You can rely on worldwide acceptance and the power of Visa®

Making A Purchase


In Stores, Online, or Over the Phone

Pay for everyday purchases using your SkoyPay card anywhere Visa debit cards are accepted. When you are at a store, you should have the option to choose ‘credit’ versus ‘debit’.

If you choose ‘credit:’

The cashier will swipe your card and ask you for your signature (Not applicable in Nigeria)
If you have a SkoyPay Prepaid card, the transaction fee for the purchase will be Free.

If you choose ‘debit:’
You will be asked to enter your 4 digit Personal Identification Number (‘PIN’).
If you have a SkoyPay Prepaid card, the transaction fee for the purchase will be Free.

Helpful Tips to get ‘cash-back’ from a POS
If you are making a purchase and the merchant provides a ‘cash back’ option, then:

  1. Select ‘current account’ option, input amount of ‘cash back’ required and enter your PIN to conclude the transaction.
  2. The merchant will then give you the ‘cash back’ amount you requested for with your receipt.

                                         (*please note: some merchant may charge administrative fee in addition to ‘cash back’ requested for).

Get Cash At ATM’s
If you’ve never used an ATM, just follow the steps below:

  1. Insert your SkoyPay card into the ATM. Look for a picture showing which way the card should face.
  2. Choose your preferred language from the list displayed on the screen.
  3. Using the numbered keypad, enter your Personal Identification Number (‘PIN’) and press Enter.
  4. You’ll see a message stating how much the ATM operator’s fee is. You’ll be asked if you want to continue or cancel the transaction.
  5. When asked what kind of transaction you want, select Withdrawal.
  6. When asked what kind of account you wish to use, select ‘Current Account’.
  7. Input the amount of money you’d like to withdraw.
  8. Most machines will dispense cash before return your card.
  9. Take the cash from the machine, and remember to take both your Skoypay card and your receipt.

Pay your utility bills, rent, mobile phone bills, airline tickets e.t.c – want to send money to a friend? – use any of our fast and secure online Bill Payment services:

  • Easy – Online directions walk you through the step by step process to paying a bill
  • Convenient – No more writing checks or standing in line for money orders and no more stamps and associated mailing costs
  • Safe: Your money is sent electronically using the highest level of security
  • Flexible: You decide which bill pay option works best for you

Pay Bills Easier With SkoyPay


We give you different ways to pay your bills online, depending on how and when you need to pay.
Sign Up or Log in to learn more about Paying Bills.

 Buy Gás With SkoyPay


Your SkoyPay card can be used to buy gas.

We recommend you pay inside the gas station by telling the cashier how much you want to spend.

If you pay for your gas at the pump, gas stations frequently preauthorize a transaction, which means they place a hold on the funds in your card account until they know the final amount owed.

Reserve A Hotel Room With SkoyPay
You can use a SkoyPay card at select hotels that accept prepaid cards to make a room reservation.

However, you should expect the hotel to place a hold on your card. The hold will cover the hotel room rate plus an additional 15 percent and the funds will be held until the hotel settles the transaction. A typical hotel authorization hold could be released the day of checkout, or the hold could take up to several weeks to be settled and released. It is suggested that you call the hotel to inquire how much a typical authorization hold is for hotel rooms if paying with a prepaid card and how long a typical authorization hold on a prepaid card will last.


 Rent A Car With SkoyPay


You can use a SkoyPay card at car rental agencies that accept prepaid cards.

 However, they usually require a deposit of 15 percent more than the cost of renting the car. The rental agency will put an extra hold on the account for that amount of money, and the hold could last for a couple of weeks.

It is suggested that you call the car rental agency to inquire about how much they  require for a standard deposit if paying with a prepaid card and how long a typical  authorization hold on a prepaid card will last.

 Send Money To Family And Friends

Transfer money from your SkoyPay card to your family or friends who also have SkoyPay cards.
The most popular way to do this is by using the online MyAccount. You will need the recipient’s account number, card number or username. 





Block 31, Plot 64 Gabby Adeosun Street,
Off Admiralty Way, Lekki Phase 1,
Victoria Island, Lagos, Nigeria.
PHONES+234 708 643 7840


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IMPORTANT INFORMATION FOR OPENING A NEW CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, enrollment requires all financial Institutions and their third-party service providers to obtain, verify, and record Information that Identifies each person who opens a card Account. What this means for you: When you open a Card Account, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your Bank Verification Number (BVN), driver’s license or other identifying documents. In accordance with federal regulations, until it is activated and registered, a prepaid card is subject to initial load limitations, may not be used for ATM use, international transactions or account-to-account transfers, or be reloaded.

  • “Guaranteed Approval” is contingent upon passing this mandatory identification confirmation.
  • There are costs associated with the use and reloading of the Card Account. See the Cardholder Agreement and the online Account Center for information about the costs, terms, and conditions.
  • Some bill payment services are subject to fees. See the online Account Center for details about the range of methods offered through third-party service providers.
  • To minimize losses, Cardholder must notify SkoyPay promptly of any loss of the card or compromise of the Card Account. Other terms apply. See the Cardholder Agreement for details.
  • Direct Deposit and earlier availability of funds are subject to payor’s support of this feature and timing of payor’s funding. Check with your payor to find out when the direct deposit of funds will start.
  • Fee may be assessed by reload location and may vary from location to location.

SkoyPay Visa Prepaid Cards are issued by Stanbic IBTC, pursuant to a license from Visa International. Skoybus Services Limited, is an authorized Independent Sales Organization of Stanbic IBTC. Use of the Card Account is subject to funds availability and ID verification. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details