₦airaland Forum

Putting us first again? You guys have been one of the oldest, most reliable and most secure. Why didn't I see this coming?
I particularly think you guys are great because I have tried others, paystack and all and all they're investing on is attractiveness. They don know sh*t about this game.
Meanwhile, if Tope is still in your customer support, that guy deserves special medal. He is always fantastic and helpful

None! Coincidence doesnt explain this. It is clearly a case of setup! I'll just fold my arms and watch them...

coolsix:
You can use LHPay.net as an alternative Solution for your business needs. LHPay provides Merchant Services to merchants in over 50+ Countries(Nigeria Included) and at a low rate of $2.89 + 5.5% per transaction

I hate it when you guys come to Nairaland to post rubbish in the name of smearing companies that are whipping your butts out there. This LHPay charges in excess of 5% and Voguepay charges 1%, does it not then defy commonsense? I came here trying to read better sensible stuff and see what I am posting on instead. Just because someone cant think and use his head to port to wherever he wishes to go? I bet you dont even have a Voguepay account and this senseless post was sponsored by LHPay. I have seen a lot of their sponsored posts against better and more responsible payment gateways and it shows just how hopeless they are getting.
Nonsense

Dammytosh, This will be the last time I will respond to your "assumptions" today as I like constructive and fact-based exchanges. Not ones that show you left something undone.

Look at each of the sites on the list, create a list of their competitors. Since you claim to use Stanbic bank (and not a staff ), go try your card on them. I am not sure you referred to the mail from Stanbic at all. You seem to know more than the bank based on your nice assumptions.

Those who know much about the Nigerian eCommerce industry would easily notice that each of those on that list are heavyweights and some of the finest in the eCommerce industry here.

As for Paypal et al, the reason is simple. Nigerian banks littered with lazy lots like stanbic bank that are not ready to give card user protection. Paypal did not selectively block one bank, they blocked everything coming from Nigeria because the fraud level is generally high. That is what Nigerians are addressing by themselves and instead of getting support from everyone, banks like stanbic prefer to frustrate them to force the Nation out of its development. If Stanbic will keep shying away and will not be able to give solutions to help us and will only treat us like PayPal within OUR OWN COUNTRY, then they better get booted out to wherever they came from.

JummyBy: An "upgrade" does not seem sufficient as an excuse for SELECTIVE TREATMENT of our finest.

NoblePat: I have a simple question, why are they selective?

You may want to answer this question Dammytosh.

I understand that you are just trying to see things differently but you must avoid just making up things to make the situation look different than it is. It is is the stone-age that you do just about anything to protect yourself. Welcome to the modern age where logic and reason forms the basis for actions.

dammytosh: The Information here is that they are protecting the The Usage Of Cards Online until they implement another level of security.

If you notice all the options they gave, NONE allows the use of the card when the CARD is not physically there,.

None except on "OTHER LOCAL SITES" Look carefully, you seem to be denying the obvious. Why dont they just suspend online usage of the card totally?
Please refer to the question if you can help us on it. I seriously need to know why the South African bank was very selective.

dammytosh: It is easy to follow a conspiracy theory as long as some 'farce' comes up and the annoying part is Nigerians finds it difficult to think for themselves unless somebody do the thinking for them and they scream 'That is true'.

The main reason for the suspension is because they are trying to implement second factor authentication and the rate at which fraud happens on cards not present transaction this period is very alarming.


As far as i know, all the theories are simply figments of the originator's imagination.

If you have been defrauded once or ever sat down and receive debit alert continuously on your card with the card in your pocket, you will appreciate need for suspension if need be.

All banks including Stanbic are striving to get lion share of all these transactions, but not at the detriment of the customer to the extent of losing funds.

In case you don't know, if you claim to lose funds online, A local bank can shout and send you out of the branch that you caused it. An international bank cos of diplomatic issue has to pay back and avoid litigation at all cost.


This is the way i see it, contrary to the Conspiracy Theory.

Nice angle you are looking at it from but it appears you are the one coming up with imaginations beyond the reason provided by the bank. Do you work with stanbic? If yes, just tell them we Nigerians want to know what is going on. An "upgrade" does not seem sufficient as an excuse for SELECTIVE TREATMENT of our finest.

The reason international banks pay is because in those countries (like the UK), card protection is the primary responsibility of your bank and the card issuer. Simple. It is backed by legislation in those countries. So, it may me misplaced attaching diplomatic reasons to it as if that exists in the bankers creed. I remember being called on several occasions by Barclays Bank to verify the authenticity of transactions I performed using PayPal on eBay.
Why is Paypal or WorldPay never suspended by any bank but instead the fraud gets cleared by the bank? The reason is what I just told you.

Why dont we have similar legislation here?

What most people here do not understand is how all these play out. Stanbic IBTC bank is not a card issuer. They only brand the Naira MasterCard with their name. The card issuer rights belong to InterSwitch. So, what how does Stanbic IBTC's excuse appear reasonable?
For some of us who own online businesses, we know very well that fraud is inevitable so far some of we Nigerians are inclined towards cheating others. We can only put systems in place to avoid it.

Payment processing systems are intermediaries between merchants and the actual customers on one side, and the card issuer on the other side. They are not the genesis of fraud neither are they the ones to prevent unauthorised card usage. That is a responsibility for merchants like myself, Jumia and the card issuer. Stanbic bank will only liaise on behalf of the customer to ensure fraud issues are resolved. Simple to understand. There are bodies set up to investigate and prosecute fraud, the question is why no payment processor has been accused of being an accomplice so far. The answer is simple, they are only payment facilitators. So, if the issue was fraud, Stanbic would have stated it. They said it's a bloody "Upgrade." Hehehehe, it still makes me laugh.

I use VoguePay and I have once used other processors too before moving to VoguePay. I know very well that VoguePay has the best features when it comes to online security. They have even intercepted some of my customers' transactions and called me to inform me. They only let it go through when the authenticity of the transaction was ascertained. This is the way to do business, though I must say I was initially displeased that they interfered in my transactions but I later understood it is to ensure the security of all.

Instead of stanbic complaining like a sheep on heat, why dont they just adopt the OTP system used by GTBank? Lazy lots! They have an agenda to frustrate Nigerian businesses to the advantage of South African businesses. I wonder if this agenda stops at Stanbic or we need to pay a close watch to all other south african businesses here.

System upgrade kor, downgrade ni... mtcheew

It is a shame that this is coming from Stanbic bank. How did they know the exact sites that will be affected by their upgrade? And we have lawmakers in this country? Could Stanbic be doing this to promote their own unpopular and expensive payment processing system?

I support your points about Naspers, or why did stanbic say "However, please note that you can still use your card on other LOCAL merchant sites." They definitely know the LOCAL merchant sites that are growing too big for them.

Abeg make dem disappear joor! GTBank is better than stanbic anyday!
The lawmakers better do something about this attempt to frustrate our big indigenous companies. Can this happen in South Africa where stanbic came from?

Your site "regalbuyer" is not opening. I would have loved to see your magento plugin. Surprised that some people still use GTPay though

4glory: In fact i would use this opportunity to tell anyone who has not been using Voguepay to give it a trial.Their integration process is simple and l even heard that they wanted to start accepting international cards.

What is this talk about accepting international cards all about? I dont see that affecting my business that much because my line of business does not involve selling to a global market. My customers are localised. Maybe it can help others though, but for me, the clean and straight forward services I receive is enough.

Wont the incidence of fraud increase? Knowing how notorious Nigerians in the diaspora are.

VoguePay The customer service has been good for me. Their service is simple but neat. To be fair, no bad experience to share from here.
But wait o, if their customer service dont pick your calls, then how are they making money? Abi dem sabi you before?

Imagine, in those days, it was VoguePay VS Eyowo, Eyowo is now story . Later we saw VoguePay VS Paga, GTPay, etc. Na on this Nairaland we dey so o.
VoguePay entered the market and put an end to the exorbitant fees charged by these other payment processors. Add an improved customer service to that and you will know why I think VoguePay is still the best around.

Chei, people no even bother to confirm before concluding.

My mama taught me that if I aint got anything nice to say, then I shouldnt say anything at all...
Whoever in the military said this crap is a big clown
Using helicopters to shoot down commercial jets? Dumbos. How many hundred feets to how many thousand feets?

Is the Swift 4g modem still available? Please let me know the price as well.

These rhymes are giving me flushes. Feels like reliving childhood allover. The children of nowadays, though they also have their moments, I doubt it will be so much fun compared to what we had in our own time. Anybody remember the MAMSER song? That was one priceless policy

GraphicsPlus: I actually mean 1,000,000 youths. u can join the training, but u wil realize later what i mean. the training will be intensive? morning till night for 7days a week? I bet u, it wil be 2 to 4 hours, mon to fri.

Where will 1 million youths come from? Why do Nigerians talk like this? I went there to submit my form and did not see 10 youths there talk less 1 million. If Afrisoft says there's no scholarship, I will still apply. Meanwhile, I did not even apply for the scholarship at all.
If you already know the modules they are teaching, no point discouraging those of us who are interested since your points seem baseless and unrealistic. Intensive has never meant that I should expect to be given accomodation, fed and kept in class 24/7. I have had intensive trainings courses in the Uk so I know what I am expecting.
Some people can biff o.

lexty: @jummyBy, you can submit the form without going to their office, all you need to do is to download the form, fill it, scan it and send it to training@afrisoft.net. i submitted mine lastweek.

Thanks Lexty. I'll try that

Hmmm, May God save us from these 419ers. Good job Op.

CHELSEA - The only English team left in Europe... Hahahahaha

This is nice. Thumbs up Afrisoft.
I've been to www.afrisoft.net/training, I've downloaded the form. Is it possible to submit the form without having to come to your office? Please advise

Tolexander: Adie mi
eyi ti mo ra
...
bi omode koku
agba ni n da

Chei, see Alawiye in action. Na A+ u must score 4 yoruba

ziccoit: See stxxid questions o. Ok, let's go there;

Are they going to employ cleaners to help clean the tablets?

Who will help students carry the tablets?

Can the tablets serve other purpose like serving tray?

etc.

Hehehehehe. I cant fit shout

After Alamieyeseigha's pardon, nothing seems impossible anymore. We will survive, we always do. Then we will wait for 2015...

What's the essence of the post if the name of the school, the state and the LGA cannot be divulged? It could be a planned defamatory work sef

Active Man, It is obvious you have not been reading my posts carefully.I said it before that your posts are just a string of repetition. Nobody seems to understand your points. Check again, you'll see that I answered your question before.
VoguePay works for me, InterSwitch works for you. Lets leave it at that, it's a win-win situation.
Asta la Vista Bro

Your opinion will only count as 1, not multiple. Question says Best, not any other thing. The people have spoken, Voguepay naa ni.
But I give up, you have not been able to give me reasons to change to Interswitch, I wont and I cant. Voguepay hasnt messed up with their free service, I'd keep rocking with them.
Cheers Bro!

Sleep well Kunlayd, you're on point.

ActiveMan: MY POINT HERE IS THAT ALL PRAISE GOES TO INTERSWITCH FOR MAKING VOGUEPAY SERVICE POSSIBLE, AND THEY SHOULD BE GIVEN SOME CREDIT abeg

Your point is overstretched already. I see it as same thing all over. Interswitch is not the brain behind MasterCard or its workings, what do you expect MasterCard Nigeria itself to do if we encourage payment processors to worship interswitch for integration? Credit goes to MasterCard, Interswitch got paid for their business. Dont you understand this about business?

Meanwhile, the Op asked for the best, you can own a bullet store and never hit the bulls eye when you fire shots. It doesnt make you the best shooter around. Welcome to business!

ActiveMan: SO ALL IS BUSINESS

what interswitch can not offer you VOGUEPAY can do that [s]but the praise still comes to interswitch[/s].

Interswitch got paid for the integration, wetin make mastercard sef con do o. Nigerians shaa!

Active man, Interswitch's monopoly with Mastercard is nearing its very end.
http://www.thisdaylive.com/articles/cashless-nigeria-mastercard-unveils-innovative-support/126969/

I dont understand your argument really. If the merchant is a mess, I'd rather have an intermediary who can offer me better services and who can deal with the merchant's mess. Meanwhile, Voguepay's growth extends to InterSwitch, provided they remain integrated on Interswitch's platform, then Interswitch will grow as Voguepay grows. Just that they aint the only merchants Voguepay's near-excellent service extends to like Halimat said, so, they'll only get a fraction

"I consider Interswitch similar to Molues in that they are both lumbering, rickety giants. But that is as far as the similarities go, because while Molues are actually cheap and provide lots of utility for the masses, compared to alternative means of transport, Interswitch products cost an arm and a leg, and are often crapware." -

Very True. Thanks for that Halimat. That statement from the website sums up my feelings about Interswitch exactly. Why should I pay N150,000 when I'm looking at maximising profit in this harsh economy? Voguepay is meeting my needs and with access to more tools like I said before, Interswitch just doesnt meet my exact specs...