Hovapay is a very reliable and secure platform that allows you make payment for your day to day services conveniently like Phone Airtime, Data, Bulk SMS, TV Subscription (DStv, GOtv, StarTimes), Electricity (PHEDC, EEDC, BEDC, AEDC, IKEDC, IBEDC, EKEDC, JEDC, KEDC, KAEDCO), Motor Insurance, WAEC registration and result checker pins with ease.

Signing up is quick, navigating is easy and you can get started now by creating an account using just your email and phone number or by just making payment for a service. Click here to Sign up

Registration is optional. All you need is your email address, phone number and a valid debit card to make payment.

Hovapay works perfectly on every device. You can access the Hovapay website through your computers, smart phones and tablets, simply log on to hovapay.ng.

For android users who want to download the Hovapay mobile app, go to Google Play Store to download the app or simply Click here to download.

For iOS users who want to download the Hovapay mobile app, go to App Store to download the app or simply Click here to download.

Creating an account takes only a few minutes. Here you go

• Visit hovapay.ng
• Click on register at the top of the webpage
• Enter your email address, phone number and a password you can easily remember. Then click on sign up.
• Use your login details to log into Hovapay website whenever you wish to make a payment.
• Your account is created immediately and you can begin transacting.

To reset your password, simply;

• Enter your registered email address or phone number, then click on forgot password.
• A new password will be sent to you via mail and SMS. Follow the instruction in the password reset mail or SMS sent to you to successfully reset your password.
• We advise you change the password to one you can easily remember after you login.

• Click on “Login” at the top of the webpage
• Enter your registered email address or phone number, then click on “Sign in”

Wallets help hold cash and are handy when you need urgent cash to make quick and easy payment. In the same way, your Hovapay wallet helps you pay for services on Hovapay swiftly. In other words, you can now buy airtime and data, pay TV subscriptions, electricity bills, purchase insurance covers and pay education bills at the click of a button, right from your Hovapay wallet. What this means is you no longer need to withdraw from the bank to pay for the services you need.

To fund/credit your wallet, Simply follow these easy steps;

• Firstly, Log on to hovapay.ng
• Log in with your registered email and password.
• Click “Fund Wallet” as it appears on the dashboard..
• Enter the amount you want to credit into your wallet..
• Proceed to payment and choose your desired payment option.
• Make payment and your wallet is credited immediately.

Note: You need to have a registered account before you can fund/credit your wallet. You can register by logging on to hovapay.ng

For more information about the Hovapay Instant Wallet Funding, contact Hovapay customer support unit through the LiveChat platform on www.hovapay.ng or call 07044040403.

You can make payments using either;
Debit card, USSD, Bank Transfer, Visa qr, or
Wallet payment (Wallet payment is available for registered users only)

Follow these easy steps;

• Visit hovapay.ng
• Under the “What do you want to do?” field, select the category of bill you would like to make payment for.
• Then select the exact service you intend purchasing, after which you enter all necessary information on the transaction page. Click on “Continue” to advance.
• The next page is the confirmation page. Here you are to select your payment method, either debit card, bank transfer, ussd, visa qr, or wallet (to use wallet, you must be a registered user and have funded your account well enough to perform the transaction you want).
• For card payment, you will be required to provide your card details: one, the 20-digit number on your debit card; then the expiry date of your card which you can find underneath your card number; finally input your CVV- that is the three digit numbers at the back of your debit card. You will get an OTP code from your bank; input the OTP on the next page to authorize the payment.
• For bank transfer, click on "pay with bank transfer" and then transfer the cash into the account details displayed.
• For ussd, click on "pay with bank transfer" choose the ussd option and select your bank. Next, copy out the ussd generated and dial on your phone to complete payment.
• For visa qr, click on "pay with bank transfer" and select visa qr. Next, scan the QR code generated in your Ecobank, FirstBank, Fidelity, Access, Diamond or Zenith Bank mobile app to complete the payment.
• Once done, your wallet/account will be debited and your service delivered. You will get a notification email and SMS to this effect.

Please ensure you contact our 24-hour support team by chatting us on our Live-chat platform or dialing 07044040403 or by sending a mail to support@hovapay.ng immediately you experience this.Usually you should get an auto-reversal of the payment from your bank within 24 hours

You can pay with your MasterCard, Visa card and Verve card

Kindly take these measures;

• Ensure your debit card has been activated by your bank for online transactions. There is every probability that your card would work.
• Ensure you have entered the correct OTP sent by the bank and also within the duration before it expires.
• Ensure that you have entered your correct pin and every other detail.
• Try with a different browser (chrome preferably) or another device.

Alternatively, you can try making payment through your Hovapay e-wallet or any of the bank transfer options. Simply create an account on hovapay.ng, and then fund your e-wallet by bank transfer. Then make payment from your wallet.

For airtime and data recharges you do not pay additional fees. But for other services, you will be charged a convenience of N80 per transaction except you are a partner with us. For info on how to partner, visit https://hovapay.ng/partners.

This could arise as a result of one of the following reasons;

• Your meter is a newly installed meter. The cost for the free units given is paid by customer as (debt) on customer’s first recharge of the meter.
• Transfer of Previous Debt: If customer was previously using an analog meter before the installation of a Prepaid meter, or using the estimated billing (Post Paid) and there was a debt before the installation of the prepaid meter, the debt on the estimated (Postpaid) billing account is migrated to the Prepaid meter account.
• Enter your email address, phone number and a password you can easily remember. Then click on sign up.
• The debt is a penalty for bypass or illegal connection discovered by the distribution company.
• We advise you visit or call your electric distribution company for better clarity.

No, it cannot. Token is generated and encrypted using the meter number used. This means that token once generated can only be used by the specific meter. A transfer is impossible.

These might be the reasons for this;

• You have pending arrears on your meter; hence the debt has been deducted from the units purchased.
• Your tariff plan has changed. Your tariff plan is determined by your distribution company and they can decide to change it without prior notice.

• A token can only be used by the specific meter number it was generated for. A token cannot work on another meter aside the one it was generated for. Used simply means that the token has already been loaded on the meter.
• Ensure there is power supply in your area; confirm that there is power supply on the phase you are on.
• This could also be as a result of technical fault or loss of phase or meter entering tamper mode. You need to contact your distribution company in this case.

• A network issue with your electricity distribution company. You need to hold for a while and try loading the token again much later.
• The purchase was for the wrong meter number. Kindly confirm you are loading the token on the right meter.
• The meter has not yet been activated- An activation code will be required from the distribution company.
• There has been a change in your tariff index. (=solution not given here=). Please ensure you visit or call your Electric distribution company to resolve this.

Token once generated expires within the period of 90 days (3 months).

It is possible you have made a mistake with the meter number used. You need to confirm the correctness of the meter number. You can get your meter number on the meter itself by:

• Inputting the number 65 using the keypads on your meter and press the (enter button or the red button or the button with the # sign or the sky-blue button) depending on your meter type.
• For MOJEC meters starting with 541/0215 series, press 804
• For CONLOG meters starting with 041/042 series, press #4#.
• For Turbo energy (L&G) meters starting with 070, 071 & 072, for single phase series press i025.

If the issue persists please ensure you visit or call your Electric distribution company to resolve this.

This could arise as a result of one of the following reasons;

• Your IUC/smartcard number is a series of numbers assigned to your decoder. For GOtv subscribers, it can be found on a red label underneath your decoder. For Dstv or StarTimes subscribers, simply pull out your smartcard from your decoder. The number on the card is your smartcard number.

Yes, you can. Simply select the bouquet of your choice and then edit the amount to reflect the number of months you intend subscribing for and make your payment accordingly.

The following are probable reasons why you may not be able to view immediately after subscribing:

• Your Decoder was not switched on at the time of payment which is a requirement for auto re-connection. Reconnection request has to be sent to Multichoice. You can also follow the RESET instruction on the TV screen.
• You have just changed your package (upgrade/downgrade). In this case, Multichoice has to be contacted to confirm upgrade/downgrade of your package.
• Payment was made to a wrong smartcard number. You will have to call Multichoice to request a transfer of funds. You will need to provide the identification document and proof of payment, and then send an email to Multichoice stating the wrong smartcard you paid to and the correct smartcard number the payment should be transferred to.
• However, the instances where Multichoice does not allocate a payment correctly are rare. However, if this happens, you can contact our 24-hour support team by chatting us on our Live-chat platform or dialing 07044040403 or by sending a mail to support@hovapay.ng for a swift resolution.

The chances are high that we would have seen this and contacted you beforehand. However, you can contact our 24-hour support team either by chatting us on our Live-chat platform, sending a mail to support@hovapay.com or reaching us on social media for a swift resolution.

• Your token is always sent to you through the phone number you provided when making payment. But sometimes you may not receive the token due to network delay from your mobile telecommunication providers or your number being switched off or unavailable as at the time the token was sent or if your number is active on DND (Do-not-disturb). To check if your line is on DND, text STATUS to 2442. To opt out of DND, text ALLOW to 2442.
• Your token is also sent to you via the email you registered with or provided when making payment.
• Your token is likewise displayed on your transactions page.

A transaction can fail for several reasons:

• As a result of a network issue with your bank
• Issuer or switch inoperative
• Use of incorrect/expired OTP
• An inactivated debit card

Your token is sent to you via SMS, Email and displayed on your transaction page.

The odds are that the transaction has not gone through as your receipt can only be sent to the email address provided while making payment. Contact our 24-hour support for us to check this for you.