Heard of kongapay, reasons to use kongapay?

Heard of kongapay, reasons to use kongapay?

It’s goodbye to token codes, typing card details over and over again for each transaction you make online on Konga and it’s time to begin enjoying seamless payment with the emergence of the Kongapay payment solution.
If you are a frequent e-commerce buyer or seller in Nigeria and you have been selling and buying on Konga.com, then ‘KongaPay’ definitely shouldn’t be new to you but if you are yet to understand what it is about or why you should use it from now on, then this post is meant just for you so do read on.

To start with, KongaPay is a secure payment method that will allow its customers pay for stuff without using debit cards as i know we get tired of typing in our CVV, expiry date and card number over and over again on every transaction. Anyway, this payment option works by Konga’s technology integrating with the internet banking portals of major Nigerian banks. The participating banks will be listed further in this post for you to know. One things to quickly take note of too is the fact that KongaPay will work regardless of whether or not said customers have internet banking enabled on their accounts or not.


Apart from doing away entirely with cards, the user will never even have to see an internet banking portal as is the case when completing a transaction using the GTBANK payment option. Users also won’t be faced with bank transaction charges, You can make airtime and cable TV payments, You also get 5% discount on anything you buy using KongaPay.

When it has been integrated once (which requires an active local bank account and a registered phone number), all a customer with a linked bank account need do is to click the checkout button, enter a one time password (OTP) and you are in business! For every purchase, your bank will send you a one-time code via SMS to your registered mobile phone, which you must enter to authorise the purchase. The solution will even support one-click refunds for orders that are cancelled. It is however, believed that Konga decided to emulate AliPay, a payment gateway created by Alibaba which has contributed largely to the success of the leading Chinese e-commerce store.


Here’s a quick walk-through process of how to get started:

  • Start by visiting : https://www.kongapay.com or http://www.konga.com/kongapay
  • Sign in with Your Konga Account or sign Up if you don’t have
  • Select your bank
  • Enter your name, details of your ATM card and your BVN number
  • Click “Continue”
  • Enter your phone number, date of birth and choose a PIN. Your PIN should be 4 digits
  • Click “Continue”
  • Enter the code sent by KongaPay to your phone or email
  • Click “Complete Sign Up”


If your setup is successful you will see a notification informing you that your setup was “successful”.
Thereafter, you can start using KongaPay for all your purchases.


  • Access Bank
  • Diamond Bank
  • Ecobank
  • Fidelity Bank
  • First Bank
  • Guaranty Trust Bank (GTB)
  • Heritage Bank
  • Jaiz Bank
  • Keystone Bank
  • Skye Bank
  • Stanbic IBTC Bank
  • Standard Chartered
  • Sterling Bank
  • United Bank For Africa(UBA)
  • Union Bank
  • Unity Bank
  • Wema Bank
  • Zenith Bank

Customers can download the Kongapay app from Google Play store and Apple Store. Verve cards are not supported presently on it but only MasterCard and Visa.

It is no news that the Kongapay payment solution has definitely revolutionized and redefined the e-commerce and online shopping scene in Nigeria. It wouldn’t be a surprise if other e-commerce platforms adopt this model or get inspired by this.

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