Effective: August 24, 2026 • OnePayment - All Payment in OnePlace
Welcome to OnePayment, a product of PayNet System located at 2 Roju Avenue, Ojota, Kosofe, Lagos, Nigeria. These Terms of Use govern your access and use of our website, mobile application, and all services listed below. By creating an account or using any service, you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and applicable CBN and NDPR regulations. If you do not agree, please do not use our platform.
2.1 You must be at least 18 years old to use OnePayment.
2.2 We operate a tiered KYC system. You may be required to provide your BVN, NIN, valid ID, address, and selfie for verification. Providing false or forged documents will result in immediate account suspension and reporting to law enforcement.
2.3 You are responsible for keeping your password, PIN, and OTP secure. Notify us immediately if you suspect unauthorized access.
Wallet Funding: Your wallet can be funded via your dedicated 9 Payment Service Bank account and other approved bank channels. Funding is automated and available 24/7.
Coupon PIN: Coupon PINs are single-use codes from authorized distributors. Invalid or already used PINs will not be credited.
Bonus to Wallet: Bonus balance is promotional and cannot be withdrawn directly. You can convert it to your main wallet using the Bonus to Wallet service once you meet the minimum threshold. Bonus may expire after 90 days of inactivity. Abuse of bonus or referral system will lead to forfeiture and suspension.
Send money to any Nigerian bank account and transfer instantly to other OnePayment users. Always confirm the recipient name before confirming. Successful bank transfers cannot be reversed. Failed transfers are automatically refunded to your wallet within 5 minutes to 24 hours.
Buy MTN, Glo, Airtel, and 9mobile airtime and data instantly. Please ensure you enter the correct phone number. Successful airtime and data purchases are final and non-refundable. Failed but debited transactions are refunded automatically.
Pay for all DISCOs including Ikeja, Eko, IBEDC, and others. You must enter the correct meter number and meter type (Prepaid or Postpaid). Tokens are generated based on DISCO server availability. Wrong meter details entered by you will not be refunded.
Renew DSTV, GOTV, Startimes, and Showmax subscriptions. Ensure your smartcard or IUC number is correct and active. Activation may take up to 30 minutes.
Purchase WAEC, NECO, JAMB, and NABTEB PINs directly from exam bodies. PINs are valid at time of purchase. No refund after PIN has been revealed.
Send bulk SMS for legitimate business purposes only. Spamming, fraud, hate speech, and illegal content are strictly prohibited. Messages to DND numbers may not be delivered. You are solely responsible for message content.
NIN Verification: We provide NIN verification services including NIN verification, phone number search linked to NIN, tracking ID search, and demography search. You can choose between regular and premium slip types.
How it works: Your wallet will be debited when you submit a verification request. If the NIN is not found by the provider, your money will be automatically refunded to your wallet.
Secure PDF Access: For your privacy and security, your NIN slip PDF is available for download for 30 days from the date of verification. After 30 days, the download link will expire and you will need to perform a new verification. This is in compliance with Nigeria Data Protection Regulation on data storage limitation.
Download Security: All NIN slip download links are secured and expire within 5 minutes for security reasons. You can easily generate a new link within the 30-day period from your dashboard.
NIN Modification: We help facilitate correction of NIN data such as name, date of birth, and other details through NIMC. You must provide valid supporting documents. Fees are non-refundable once submitted to NIMC, and processing time is determined by NIMC.
This service allows you to print your official NIN Slip after successful NIN verification.
Regular Slip: Standard black and white NIN slip printable on A4 paper.
Premium Slip: Colored premium NIN slip with enhanced design and plastic-like quality.
You must ensure your NIN details are correct before ordering. Printing starts immediately after payment, therefore no refund is possible after printing has started. Regular slip is available as PDF download, while premium slip may be delivered physically via our logistics partners within 3-7 days.
Investment products shown on OnePayment are offered by our licensed third-party partners. OnePayment is not an investment adviser or fund manager. All investments carry risk including possible loss of capital. Returns displayed are not guaranteed. Please read the partner's risk disclosure before investing.
Fees: All fees are displayed before checkout. We reserve the right to adjust fees with prior notice.
Refunds: Refunds are only applicable for failed transactions confirmed by provider, NIN not found cases, and duplicate debits due to system error. No refunds for successful airtime, data, electricity tokens, TV subscriptions, exam PINs revealed, SMS submitted, NIN slip printing started, or investments made.
Limitation of Liability: Our services depend on third parties including banks, telecommunication networks, DISCOs, and NIMC. We are not liable for delays or failures caused by these third parties, internet downtime, or government regulations. Our total liability shall not exceed the transaction fee earned on that transaction.
We have zero tolerance for fraud, money laundering, creating multiple accounts to exploit bonuses, phishing, hacking, or using Bulk SMS for fraudulent purposes. Violation will lead to immediate permanent suspension, wallet freeze, forfeiture of bonus, and reporting to EFCC and other authorities.
We process your personal data in accordance with Nigeria Data Protection Regulation 2019. Data collected includes name, phone, BVN, NIN, and transaction history for KYC, transaction processing, and regulatory compliance. Your data is encrypted and secured. Financial records are retained for 5 years as required by CBN, while NIN slip PDFs are accessible for 30 days for privacy. You have the right to access, correct, or request deletion of your data subject to legal retention requirements. Contact us at notify@onepayment.com.ng for data requests.
You may close your account by contacting support with zero balance. We may suspend or terminate your account for breach of these Terms. Any dispute should first be reported to our support team within 30 days. These Terms are governed by the laws of the Federal Republic of Nigeria, and any dispute shall be subject to the jurisdiction of courts in Lagos State.
