Frequently Asked Questions

Creating a Meritwise account is simple and takes less than 2 minutes:

• Download the Meritwise app from Google Play Store or Apple App Store
• Click "Sign Up" and enter your phone number
• Verify your phone number with the OTP sent to you
• Set up your security PIN
• Complete your profile with basic information
• You're all set! Start enjoying seamless payments

You can fund your wallet through multiple convenient methods:

• Bank Transfer: Transfer from any Nigerian bank to your unique Meritwise account number
• Debit Card: Add funds instantly using your ATM card
• USSD: Dial the provided USSD code from any phone
• Bank Branch: Make deposits at any participating bank

All funding methods are instant and secure. Funds reflect in your wallet immediately.

Yes, the minimum funding amount is ₦100. There's no maximum limit, but individual transactions may have limits based on your verification level. Complete your KYC to enjoy higher transaction limits.

Meritwise offers a comprehensive range of bill payment services:

• Airtime & Data: All Nigerian networks (MTN, Glo, Airtel, 9mobile)
• Electricity Bills: All DISCOs nationwide (prepaid & postpaid)
• Cable TV: DSTV, GOTV, Startimes subscriptions
• Money Transfer: Send to any bank account or Meritwise user
• Internet Services: Smile, Spectranet, and more

We're constantly adding new services to make your life easier!

Earn money back on every transaction you make on Meritwise!

How it works:

• Every bill payment earns you cashback (typically 0.5% - 2% depending on the service)
• Cashback is credited instantly to your wallet
• No minimum threshold - use your cashback immediately
• The more you transact, the more you earn

Check the app for current cashback rates on different services.

Transaction processing times vary by service:

• Airtime & Data: Instant (usually within seconds)
• Electricity: Instant (token delivered within 1-5 minutes)
• Cable TV: Within 5-10 minutes
• Bank Transfers: Instant during banking hours

Most transactions are completed within minutes. If you experience delays beyond the stated time, contact our in-app support.

Don't worry! Failed transactions are automatically reversed to your wallet within 24 hours (usually much faster). If your funds aren't returned within 24 hours:

• Contact our in-app support with your transaction reference
• Our team will investigate and resolve the issue promptly
• You'll receive a full refund to your wallet

We track all transactions and ensure no funds are lost.

Your security is our top priority. Meritwise employs multiple layers of protection:

• Bank-Grade Encryption: All data is encrypted using 256-bit SSL/TLS
• Secure PIN: Transactions require your unique 4-digit PIN
• Two-Factor Authentication: Optional 2FA for added security
• Fraud Detection: Real-time monitoring of suspicious activities
• Secure Servers: Your data is stored on protected servers

We never share your personal or financial information with third parties.

You can easily reset your PIN:

• Open the Meritwise app
• On the login screen, tap "Forgot PIN?"
• Verify your identity with OTP sent to your registered phone number
• Create a new 4-digit PIN
• Confirm your new PIN

Make sure to choose a PIN that's memorable but secure. Don't use obvious combinations like 1234 or your birth year.

Yes! You can access your Meritwise account on multiple devices. When you log in on a new device, you'll receive an OTP for verification. For security reasons, active sessions on other devices may be logged out when you sign in on a new device.

Meritwise keeps fees minimal and transparent:

• Airtime & Data: No fees! Plus you earn cashback
• Electricity & Cable: No fees! Plus you earn cashback
• Bank Transfers: Standard banking fees apply (₦10-50 depending on amount)
• Wallet Funding: FREE via all methods

We believe in fair pricing and helping you save money, not lose it to fees.

Refund policies depend on the type of transaction:

Airtime/Data to wrong number: Unfortunately, once airtime/data is delivered, it cannot be reversed. Always double-check the number before confirming.

Failed transactions: Automatically refunded within 24 hours.

Duplicate payments: Contact support immediately with transaction details for investigation.

Service not delivered: Report within 24 hours for a full refund or reprocessing.

We're here to help 24/7! You can reach us through:

• In-App Support: Chat with our team directly in the app (fastest response)
• Email: support@meritwise.app
• Phone: +234 706 237 7546
• WhatsApp: +234 705 247 1886

Our support team typically responds within minutes during business hours and within a few hours outside business hours.

Yes! Meritwise is available to all users across Nigeria. You can use our services from anywhere in the country as long as you have internet access. We support all Nigerian banks, mobile networks, and service providers.