📘 FAQ & TUTORIALS

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PAYPOINT VTU

Frequently Asked Questions (FAQ)

GENERAL INFORMATION

1. What is PAYPOINT VTU?

PAYPOINT VTU is an automated Virtual Top-Up (VTU) platform available in both web and Android app versions. The platform enables users to purchase airtime, data bundles, electricity tokens, TV subscriptions, educational PINs, recharge card printing services, and other digital products at discounted rates.

In addition, users can earn income through reselling services, referrals, agent commissions, affiliate programs, and marketplace activities.

2. What services are available on PAYPOINT VTU?

Our platform offers:

• Airtime Purchase
• Data Bundle Purchase
• Electricity Bill Payment
• TV Subscription Renewal
• Educational PINs
• Recharge Card Printing
• Mega Data Bundles
• Wallet Funding Services
• Marketplace (Buy & Sell Products)
• Agent Portal
• Affiliate Program
• Referral Program
• Personal Development Content

3. Is PAYPOINT VTU secure?

Yes. PAYPOINT VTU is secured by Paystack and other advanced security systems to ensure safe transactions and protection of user information.

4. Can I use PAYPOINT VTU on iPhone?

Yes.

• Android users can use both the mobile app and web version simultaneously.
• iPhone (iOS) users can access the web version only.

5. What benefits do I enjoy as a PAYPOINT VTU user?

As a PAYPOINT VTU user, you can:

• Buy services at discounted rates.
• Resell services and earn profits.
• Earn referral commissions.
• Earn through the Agent Portal.
• Become an Affiliate and build your own VTU network.
• Buy and sell products in the Marketplace.
• Promote your products and services.
• Earn from promoting products listed by other users.
• Access personal development resources.
• Qualify for future personal and business loan opportunities.
• Enjoy exclusive promotions and incentives.

ACCOUNT TYPES

6. What are the categories of users on PAYPOINT VTU?

Basic/Free Users

Users who enjoy discounted purchases for personal use and occasional transactions.

Resellers/Subscribers

Users who purchase services at discounted rates and resell them for profit.

Examples include:

• POS Operators
• Provision Stores
• Phone Accessory Shops
• Cyber Cafes
• Pharmacies/Chemists
• Business Centers
• Small Business Owners

7. How can I make money on PAYPOINT VTU?

You can earn through:

• Airtime sales
• Data sales (SME, CG, SMART, AWOOF) 
• Referral commissions
• Agent Portal commissions
• Affiliate commissions
• Marketplace promotions
• Selling your own products and services
• Promoting products and services of other users

WALLET FUNDING

8. How can I fund my wallet?

PAYPOINT VTU supports several funding methods: 

Direct Bank Funding (Verified Users)

Verified users can generate unique account details after completing their KYC verification.

(a). Steps to Generate Your Dedicated Funding Account:

1. Click the "+" (Plus) button, down-middle on your dashboard.
2. Select "Generate Account Details".
3. Enter your 11-digit NIN.
4. Complete the KYC update process.
5. Wait for the confirmation message: "Bank Account Generated Successfully."

Once generated, you can transfer funds directly to your wallet using the account details assigned to you on your dashboard.

(b). How Long Does Funding Take?

Most deposits are credited automatically within 30 seconds or less.

(c). What Should I Do If My Deposit Is Delayed?

Any deposit delayed beyond 10 minutes should be treated as a funding issue.

You may resolve the issue through any of the following channels:

• Click the "Payment Issue" button on the menu bar.
• Report the issue through the Contact Form.
• Submit the complaint in your official WhatsApp support group.

(d). Important Requirement for Manual Resolution

When reporting a delayed funding issue through the Contact Form, WhatsApp group, or Admin Support, you must provide the complete payment receipt containing:

1. Transaction Amount
2. Date and Time of Transaction
3. Session ID or Transaction Reference Number

Providing complete transaction details will help the support team investigate and resolve your issue more quickly.

Card Funding

Fund your wallet using debit or credit cards through Flutterwave.

Smartpay

Available to both verified and unverified users using:

• Opay
• Moniepoint
• Kuda
• Palmpay
• Commercial Banks (GTB, Zenith, Ecobank, First Bank, Access Bank, UBA, ETC.)

Simply transfer money to the company's account on the smartpay dashboard and claim your deposit through the SmartPay dashboard using the payment details from your bank receipt (Sender's Account Number, Amount sent and Payment Bank). 

Wallet-to-Wallet Transfer (W2W)

Transfer funds from one PAYPOINT wallet to another using the registered email address.

Admin Funding

Transfer funds to the designated company account and contact the admin to claim your deposit.

9. What are the account details for manual funding?

Account Name: PROPIN DIGITALS

Account Number: 5318865580

Bank: MONIEPOINT

WhatsApp: Use the chat button on your dashboard.

IMPORTANT: Do not transfer using USSD CODES as receipt may be required, if necessary.

10. What are the wallet funding charges?

Charges differ based on the amount being funded. There is 1% funding fees for amounts between N1 to N999 and N50 flat rate for amounts from N1000 and above.

Examples:

11. How can I reduce funding charges?

Instead of funding exactly ₦1,000, send ₦999.

This reduces the transaction fee from ₦50 to ₦9.90.

12. What should I do if my wallet funding is delayed?

Funding delays may occur because of settlement issues between payment gateways and the platform.

You can:

• Use the "Payment Issues" option on the menu bar.
• Contact Customer Service for assistance.

AIRTIME & DATA PURCHASES

13. Can I resell airtime and data?

Yes. Many PAYPOINT VTU users operate profitable airtime and data businesses using the platform. You earn at least 2% discount on all airtime purchases or sales and decide your profit accordingly for each data bundle sales. 

14. How do I check if data was delivered?

MTN SME/MTN SME2/MTN SMART/MTN DATA

• *323*4#
• *323*1#

MTN Corporate

• *323*4#

Other Networks

• *312#
• *323#

15. What if the exact data plan I need is not listed?

You can combine available plans.

Examples:

Always send the smaller bundle first where applicable.

TRANSACTION ISSUES

16. What should I do if a transaction is pending?

1. Open the transaction receipt.
2. Locate the Refresh option.
3. The Refresh button can be found under the three dots menu at the top-right corner of the receipt.
4. Click Refresh to update the transaction status.
5. Wait up to 10 minutes.

If the transaction remains pending after 10 minutes, contact Customer Service.

17. What happens when a transaction fails?

Failed transactions are usually refunded automatically to your wallet.

If the refund is not received within 10 minutes:

1. Open the transaction receipt.
2. Click Refresh from the top-right corner (three dots menu).
3. Contact Customer Service if the issue persists.

18. What should I do if a transaction remains pending beyond 10minutes?

All pending transactions will be settled, subject to network availability:

• Delivered successfully, or
• Refunded to your wallet.

To check the latest status:

1. Open the transaction receipt.
2. Click Refresh from the top-right corner (three dots menu).

If the delay exceeds 10 minutes, contact Customer Service.

19. A transaction was processed but the customer was not credited. What should I do?

1. Open the transaction receipt.
2. Click Refresh from the three dots menu at the top-right corner.
3. The system will re-query the transaction at no extra cost.
4. Confirm delivery with the customer.

If the issue persists after 10 minutes, contact Customer Service.

20. How do I contact Customer Service?

Use the WhatsApp chat button located at the bottom-right corner of the app or website.

AGENT PORTAL

21. What is the Agent Portal?

The Agent Portal is a commission-based earning program available to both Basic Users and Resellers.

It enables you to earn commissions whenever users enrolled under your Agent Portal purchase or sell data bundles on the platform.

22. Who can use the Agent Portal?

The Agent Portal is available to:

• Basic Users
• Resellers/Subscribers

No affiliate package is required.

23. How do I earn through the Agent Portal?

You earn commissions whenever users enrolled under your Agent Portal perform eligible data transactions on the platform.

The more active users you enroll, the greater your earning potential.

24. How do I enroll a user on my Agent Portal?

Follow these steps:

1. Register a new user or reseller.
2. Click Our Services on the menu.
3. Select Agent Portal.
4. Enter the user's registered email address.
5. Click Enroll User.

The user will immediately become part of your Agent Portal network.

25. Can I enroll multiple users under my Agent Portal?

Yes. You may enroll as many users as you wish to increase your earning opportunities.

26. What is the difference between the Agent Portal and Affiliate Program?

Agent Portal

• Free to Basic Users and Resellers.
• Earn commissions from data purchases and sales performed by enrolled users.
• No personalized VTU platform required.

Affiliate Program

• Requires affiliate enrollment & fees.
• Includes a personalized admin dashboard.
• Allows you to set your own profit margins.
• Earn from all transactions performed by users under your affiliate network.

RESELLER PACKAGE

27. What is the Reseller Package?

The Reseller Package is designed for users who want to build and grow a profitable VTU business. These users turn discounts into consistent profit, offering available services to people they could reach - online and offline. 

28. How much does the Reseller Package cost?

Subscription Fee: ₦6,000

29. How much do I earn per reseller referral?

You earn ₦2,000 commission for every successful reseller referral.

30. What benefits do resellers receive?

• Personalized 2x3 Banner
• Two Laminated Posters
• Customized Sales Aids
• Referral Commissions
• Exclusive Promotional Offers
• Access to WhatsApp Support Group

31. How do I register a reseller?

1. Share the app with the prospective reseller.
2. Ask them to register.
3. Ensure they use your referral code.
4. Complete the subscriber registration form.
5. Submit payment details and Session ID.
6. Submit the form for processing.

AFFILIATE PROGRAM

32. What is the Affiliate Program?

The Affiliate Program allows you to own and manage a personalized VTU business platform while earning from the activities of users registered under you.

Also know as super agent, affiliates operate as independent branch of PAYPOINT, managing apps & websites with their business name, logo and contact details. 

33. How do I become an affiliate?

Click "Create Your Own" on the menu bar and follow the affiliate enrollment process through our support representative.

34. How do affiliates earn?

Affiliates earn from:

• Users registration fees
• Transactions performed by users under them.
• Customized profit margins
• Affiliate commissions generated through their network.

MARKETPLACE

35. What is the Marketplace?

The Marketplace enables users to:

• Buy products at discounted prices
• Sell products and services
• Promote businesses
• Earn commissions promoting other users' products

36. What products can be found in the Marketplace?

Examples include:

• Real Estate (Lands & Buildings) 
• Houses for Rent
• Phones
• Accessories
• Electronics
• Furniture
• Vehicles
• Digital Products (Courses, Books, etc)
• Agricultural Products 
• Business Services
• Etc. 

COMMISSION & PROFIT

37. How much should I charge for TV subscriptions, electricity bills, and educational PINs?

We recommend charging at least ₦100 for every ₦1,000 transaction.

However, you are free to adopt your own pricing strategy.

38. Can I set my own profit margin?

Yes. Resellers, agents, and affiliates can determine their profit margins according to their business goals.

BUSINESS GROWTH TIPS

39. How can I increase my sales?

We recommend:

• Selling to friends and family.
• Advertising daily on WhatsApp Status.
• Promoting your services on Facebook and other social media platforms.
• Sending direct messages to prospects.
• Encouraging referrals.
• Posting in groups with admin approval.
• Building local awareness in your community.

40. How can I avoid running out of data while serving customers?

To ensure uninterrupted service:

1. Use two SIM cards and keep data on both.
2. Set up Auto-Repeat purchases.
3. Print Data PINs for emergencies.
4. Maintain relationships with nearby VTU agents.
5. Purchase enough data to cover at least 30 days of usage.

ADDITIONAL BENEFITS

41. Does PAYPOINT VTU offer loan opportunities?

Active users may qualify for future personal and business loan opportunities at favorable interest rates.

42. Can I promote my own products on the platform?

Yes. Users can advertise and sell their products and services through the Marketplace.

43. Does PAYPOINT VTU provide learning resources?

Yes. We regularly share personal development and business growth content designed to help members succeed in various areas of life and business.

SUMMARY

PAYPOINT VTU is more than a VTU platform. It combines discounted digital services, business opportunities, referral rewards, agent commissions, affiliate earnings, marketplace opportunities, and personal growth resources to help users build sustainable income streams while enjoying affordable digital services.

For assistance, kindly use the in-app Customer Service chat feature.