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Frequently Asked Questions


PayQart simply allows you to pay for goods and services in installments. You can shop online or in-store at any PayQart retail partner and we’ll spread the cost over a maximum period of 6months for you. It’s just that little bit extra breathing space to make buying easier.

PayQart is available to all people who fit the following criteria:

  • Live and work in Nigeria (Salary earner/self-employed /Small business).
  • Be at least 22 years old and capable of entering into a legally binding agreement.
  • Have a valid and verifiable income paid into a bank account in Nigeria.

PayQart can be used at any pre-authorized retail partner online or in-store. When shopping online you just simply need to select PayQart during the checkout process. When shopping in-store you will need to let the sales staff know you would like to pay using PayQart.

Yes. PayQart uses a third-party credit reference agency to perform a credit check. This is used in combination with your entered details and our own unique algorithm to assess affordability.

PayQart makes shopping easier and also allows you to enjoy flexible payment options with simple, transparent fees. Once approved, you will see your monthly installment immediately, no hidden charges.

The payments on your PayQart purchase are outlined in our terms and conditions as well as on your sales agreement. Depending on your payment method, all payments will be debited on the dates specified unless the payment is due on a day that is not a business day.

You will need to contact the retailer who will handle returns in accordance with their policy. If a return is accepted we will refund what you’ve paid us and cancel any future payments. We’ll do this as soon as we can, but the process can take time.

You will need to contact the retailer who will handle refunds in accordance with their policy. If a refund is required in accordance with the retailer’s policy or by law, and we are told by the retailer to do so, we’ll refund what you’ve paid us and cancel any future payments. If you have problems with a retailer about a refund or anything else contact us via or call us on 07015827587.

If you do not receive the goods you have purchased please contact the retailer where you purchased your goods from. If you are experiencing problems please contact us via or call us on 07015827587.

You can close your PayQart account by contacting us via or call us on 07015827587. Please note that all outstanding amounts will need to be paid in full before you can close your account.


When applying for a Payqart Partner Account we’ll need to briefly assess the credentials of your business. In the accreditation process the following is required:

  • Business Registration Documents
  • Director’s valid Identification card and personal details
  • Generic business details (eg: Business address and industry)
  • Annual Turnover and average order details
  • Last 6 months business Bank Account statement (May be required)
Some of the criteria that would form part of the assessment of your application include:
  • Length of time you have been in business (min. 6 months)
  • Average order size and Annual business turnover
  • Your credit history
  • Operational website and website traffic
  • The types of products and services you provide to your customers
  • Shipping and refund policies
For further enquiries please do not hesitate to contact us.

PayQart is a buy now, pay later payment solution for the purchase of goods and services online and in-store with higher approval rates and superior customer service compared to other providers. Offering PayQart to your customers will not only enhance their shopping experience but will increase the average transaction size and drive sales.

  • Online:
Getting started with PayQart is a breeze. Our restful API allows you to easily control your own integration and our team will be available anytime you need any help.

  • In-store:
Simply sign up to access to our dashboard and start accepting PayQart payments today with no integration required.

Start your application here and we will get you up and running within 3-5 business days!

  • You need to sign up for an account via this Link .
  • Once approved, accepted and verified, an account is established and you can start offering PayQart as a payment method in-store or online.
  • Our integrations team can get you up and running in case you need help with your online store. In-store merchants can simply use the dashboard to start accepting PayQart customers.
  • Every customer purchase requires an authorization by both the customer and PayQart. Once the purchase is authorized, and you confirm the goods have been shipped, PayQart will pay you directly within 2 business days, minus the Merchant Service Fee that was outlined in your contract. We will send you an invoice via email every time we disburse payments to you.
  • If you have to refund an order, you have to approve the refund to the customer, and the total amount of the refund will be held back from future payments to you

Awesome! We are excited to work with you but first we will like to know more about you. The easiest (and fastest) way is indeed to go to our automated sign up flow! If you fit the criteria you can get up and running within 3-5 business days. Simply head to fill in all your details and we will get back to you in no time.