Hello, what do you need to know?

GTBank Fidelity Bank Skye Bank Heritage Bank Stanbic IBTC Paga Unity Bank Sterling Bank

Fets Union Bank Access Bank FCMB UBA Diamond Bank Wema Bank Zenith Bank Verve

No Wallet, No Wahala

You can still withdraw cash from the ATM and make payments
at merchant locations without your debit card. All you need is a Paycode.

How it works

Bank USSD

How to pay at the POS with a Paycode

How to withdraw cash from a POS

How to withdraw using a paycode at the ATM

How to withdraw using a paycode at the ATM



Don’t know your Bank’s USSD code? Check here
Your Bank is not on the List? No problem, just Dial *322*8*Amount#
You can also generate a Paycode using the Verve World App… Download App here

How it works


  1. Dial the correct USSD code for your bank

  2. Generate a Paycode and a cashout PIN

  3. Proceed to the ATM to withdraw cash

How to pay at the POS with a Paycode


  1. Manual Entry – You can enter the Paycode directly into the POS
  2. QR Scan – A QR scanner attached to the till reads off Paycode on your phone
  3. NFC – The POS has contactless/NFC capabilities and the customer taps the phone on the terminal

How to withdraw cash from a POS


Similar to making payment at the POS terminal,

  1. First select paycode
  2. Then select get cash
  3. Next, enter your paycode, then the amount
  4. Finally, enter your paycode pin.

Paycode in 60 secs

Tip of the day

Does the use of Paycode attract any charge or fee?

This depends, the cardless withdrawal at the ATM attracts a surcharge of N100 which is paid by the sender of the Paycode. While for payments at the POS there’s no charge.

Generate a paycode without Internet

Simply dial the Verve USSD code [*322*8*Amount#] or your bank’s USSD code and follow the prompts. 'Amount' represents the Value of the Paycode you want to generate.

How long does a Paycode stay active after it has been generated?

A Paycode generated for the ATM is valid for 24 hours and expires after that while a Paycode generated for the POS expires after 15mins.

What does ‘Send via SMS’ mean after Paycode has been generated?

Send via SMS allows you send a Paycode to Family and Friends by entering the recipient’s mobile number or choosing the recipient’s mobile number from your contact list. The Paycode will be sent to the recipient in an SMS. However, you are required to inform the recipient of the Cash-Out PIN directly to ensure the details are kept between just both of you.

Frequently Asked Questions

  • What is Paycode?

    Paycode is a 10-14 digit code which can be used to get money from the ATM, Paypoint Agent Location or used for payments on the POS at Merchant locations. A paycode can be generated using your bank’s Paycode USSD code (Click here for List of Bank USSD codes). It can also be generated from your eWallet via the Verve World website, App (Download App here), or USSD.

  • How do I generate a Paycode?

    Actually, there are many ways to do this- Your bank’s Paycode USSD code (Click here for List of Bank USSD codes), eWallet via the Verve World website, App (Download App here), or USSD. Let’s take them one by one, shall we?

    Bank USSD

    • Dial your bank’s USSD code.
    • Follow the prompt to generate a Paycode and a cash-out PIN.

    Verve World website

    • Log on to myverveworld.com
    • Log in to your eWallet
    • Click on Paycode to generate Paycode and cashout PIN

    Verve World App

    Verve USSD code

    • Dial *322*8*Amount#
    • Follow the prompt to generate a Paycode and a cash-out PIN
  • How do I withdraw at the ATM with a Paycode?

    You can withdraw at the ATM with a Paycode by following the steps below:

    how to withdraw at the ATM
  • Which banks’ ATMs can I withdraw with my Paycode on?

    A Paycode can be generated with any debit card and can be withdrawn at the following ATMs Fidelity Bank, FCMB, GTB, Heritage Bank, Sterling Bank, Union Bank, Unity Bank, Wema Bank, Zenith Bank and Stanbic IBTC.

  • Which cards and payment instruments can generate Paycode?

    Verve eCash, Bank Accounts, Debit cards Cards [Verve, Mastercard and VISA]. More card brands to be enabled soon

  • What does 'Send via SMS' mean after Paycode has been generated?

    Send via SMS allows you send a Paycode to Family and Friends by entering the recipient’s mobile number or choosing the recipient’s mobile number from your contact list. The Paycode will be sent to the recipient in an SMS.

    However, you are required to inform the recipient of the Cash-Out PIN directly to ensure the details are kept between just both of you.

  • Can I generate a Paycode without an internet connection?

    Yes you can. Simply dial the Verve USSD code [*322*8*Amount#] or your bank’s USSD code [click for the list of bank USSD codes] and follow the prompts. ‘Amount’ represents the Value of the Paycode you want to generate.

  • Can I also use a Paycode for POS Payments?

    Yes. Please confirm that the store has a Paycode-enabled POS terminal.

  • What is a payment instrument?

    This is a way in which you access your money. For example, your debit cards (Verve, Visa, and MasterCard). It could also be a virtual access where no actual card exists as we have with eCash Click here to learn more about eCash.

  • What is eWallet?

    This secure virtual electronic purse/wallet that enables cardholders to warehouse their payment instruments

  • What do these status (Active, Limited, or Pending) mean for my Accounts and Cards?

    Cards can only have these status - (Active, Limited, or Pending)

    Active: Cards with this status have been completely verified by cardholder and issuer (bank) and can be used for all transactions including One Touch Recharge, Paycode at ATM and POS. Subject to Limits set by the bank.

    Limited: Cards with this status are yet to be fully verified (they have been verified by the cardholder but not the issuer (bank) and as such only have access to transaction at lower limits set by the bank.

    Pending: Cards with this status have not been completely verified (either by the cardholder or their bank) on My Verve World App or website. Completing the process will give access to all the services available on Verve world across all access channels.

    Accounts can only have these status – (Active, Limited, Pending or New)

    Active: Accounts that have been verified by Account Holder’s Bank and can perform transactions such as Bill Payments, Funds Transfers and Recharge of mobile numbers other than the user’s registered mobile number.

    Limited: Same description as active but with lower transaction limits.

    Pending: Accounts that have been verified by account holder’s Bank. Only transactions that can be performed with this status is One Touch Self Recharge.