Overview
Monei’s bill payment service allows you to pay utility bills, airtime, data, cable TV, electricity, and more directly from your wallet. Pay bills across multiple countries with ease. What you’ll learn:- Supported bill categories
- Available billers
- Payment process
- Countries supported
- Fees and limits
What is Bill Payment?
Pay for essential services directly through Monei:Airtime & Data
Top up mobile airtime and data bundles
Cable TV
Pay for DStv, GOtv, StarTimes subscriptions
Electricity
Purchase prepaid and postpaid electricity
How It Works
Bill Categories
- Airtime
- Data
- Cable TV
- Electricity
Mobile Airtime Top-upSupported Networks:
- MTN
- Airtel
- Glo
- 9mobile
Supported Countries
| Country | Code | Supported Categories |
|---|---|---|
| Nigeria | NG | All categories |
Nigeria has the most comprehensive biller support. More countries coming soon.
Payment Process
Quick Example
Limits
Transaction Limits
| KYC Tier | Single Payment | Daily Limit | Monthly Limit |
|---|---|---|---|
| Tier 1 | ₦50,000 | ₦200,000 | ₦2,000,000 |
| Tier 2 | ₦200,000 | ₦500,000 | ₦5,000,000 |
| Tier 3 | ₦1,000,000 | ₦2,000,000 | ₦20,000,000 |
Category-Specific Limits
| Category | Minimum | Maximum |
|---|---|---|
| Airtime | ₦50 | ₦50,000 |
| Data | Varies by bundle | ₦50,000 |
| Cable TV | Varies by package | ₦100,000 |
| Electricity | ₦1,000 | ₦500,000 |
Increase your limits by upgrading your KYC tier. Learn more →
Processing Time
Bill payments are processed instantly:| Category | Processing Time |
|---|---|
| Airtime | Instant (< 10 seconds) |
| Data | Instant (< 30 seconds) |
| Cable TV | 1 - 5 minutes |
| Electricity | 1 - 10 minutes |
Payment Status
Understanding payment states:| Status | Description | Action |
|---|---|---|
pending | Payment initiated | Wait for processing |
processing | Being processed | Wait for completion |
successful | Payment completed | Service delivered |
failed | Payment failed | Refund initiated |
reversed | Payment reversed | Amount refunded |
Common Use Cases
- Personal Use
- Family Support
- Business
- Bulk Payments
Daily Essentials
- Top up your phone
- Buy data bundles
- Pay electricity bills
- Renew cable TV
Benefits
Instant Processing
Most payments complete within seconds
No Hidden Fees
Transparent pricing with low fees
Wide Coverage
Support for all major billers
24/7 Availability
Pay bills anytime, anywhere
Auto-Validation
Verify customer details before payment
Payment History
Track all bill payments
Best Practices
Always Validate First
Always Validate First
Always validate customer details before making payment. This ensures you’re paying for the correct account and can see customer information.
Save References
Save References
Keep transaction references for all payments. You’ll need these for support inquiries or disputes.
Check Balance
Check Balance
Ensure sufficient wallet balance before initiating payment. Include amount + fees.
Review Payment Details
Review Payment Details
Double-check biller, customer ID, and amount before confirming payment.
Be Patient
Be Patient
Some services take a few minutes to process. Wait before retrying to avoid duplicate payments.
Use History
Use History
Review payment history to track spending and avoid duplicate payments.
Security
Encrypted Transactions
All payments are encrypted end-to-end
Customer Validation
Verify recipient before payment
Transaction PIN
Secure payments with PIN (if enabled)
Auto-Refunds
Failed payments automatically refunded
Next Steps
Discovery
Browse available billers
Validation
Validate customer details
Payments
Make bill payments
History
View payment history

