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Pay Attitude


PayAttitude® is a Chip+Pin Tag-type contactless solution based on NFC (Near Field Communication) technology that converts a subscriber/customer’s mobile phone handset to an NFC device and links the handset to the subscriber/customer’s Debit or Prepaid account Plus ePurse account enabling the subscriber/customer to debit his/her account(s) for different payment transactions.

The Plus functionality of PayAttitude® guarantees subscribers the confidence and comfort of successful proximity/contactless payment for goods and services at merchant locations at all times notwithstanding problems or challenges of telecommunication or unavailability of network of the merchant’s bank/Acquirer or the customer/subscriber’s bank/Issuer. Such transactions are authorised offline up to the value of Plus functionality that the customer/subscriber subscribed to with the Bank or Issuer.

Where the value of a transaction is higher than the ePurse balance for Plus functionality, the PoS terminal will intelligently switch to online mode without human intervention, to seek authorisation from the holder’s debit, prepaid or credit account.

To protect holders and Issuers against fraud or unauthorised use, PayAttitude transactions are Chip+Pin enabled and holder’s unique Pin must be entered on the acceptance device before transactions are approved. In exceptional cases such as low-value transactions at quick-turn-around locations of trusted merchants such as toll Plaza, etc

Product Features

  • Consists of Tag that can be affixed to the back of a mobile phone
  • Linked to a Bank account
  • Makes use of NFC (Near Field Communication) technology for contactless payments
  • Offers both Online and Offline capabilities

Product Benefits

  •  It’s a product of Lifestyle and Convenience
  •  Collected instantly upon request by customer
  •  One time registration and validation at location where Tag is obtained
  •  Can be used by holders to make proximity payments on POS and at the following quick-pay scenarios
  •  Transport buses for transportation payments, Toll gates, Parking lots, Merchant locations for items purchased

Frequently Asked Questions (1)


We are available to help you with any of your banking needs. Do you have a question? We have got answers to some frequently asked questions about our products and services and much more. Contact us today, email, call 234-1-2787000, 0700ZENITHBANK or visit the Zenith Bank branch closest to you.


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