E Channels

Conduct your online transactions through these various channels

 

AccessPAY

Access e-Pay is the Access Bank's secure internet payment gateway that allows you accept payments directly into your bank account via your online shop from your customers anytime and anywhere around the world.

It is a doorway that delivers a single point of connection from your website to multiple payment processors (Interswitch, VISA & MasterCard) providing you with confirmation status with respect to the processed transaction.

Features
 
  • Electronic Receipt
  • Additional & unique payment information can be captured on
  • Who made payments?
  • What the payments were for
  • How much was paid
  • Where the payments were made
  • When the payments were made
  • Customized and uniformed narration format
  • Instant email notification to designated recipients
  • Automatic update of customer's business application (ERP) as payments are received at branches
  • Access to Corporate Portal for viewing transactions in real-time
  • Zero sign-on & implementation cost
Benefits
  • Enables fast and easy payment processes
  • Reduces the risk & cost associated with handling cash.
  • Online portal for monitoring of transaction log available
  • Captures unique identifier(s) for reconciliation of invoice related transactions
Target Customer Segments
  • Corporates in the supply business of goods and services nationwide with the need to capture unique identifying information on each respective payment.
  • Corporates with high volume of cash and cheque deposits at branch level
Pricing
  • Transaction Fee of N105 flat (VAT inclusive) bearable by biller or payer
Sign Up Process 
The customer must provide the following
  • A sign-off MOU between Bank and Corporate Customer
  • Customization requirement form (Optional).
  • The list of designated users to be given viewing and notification rights on the collection's activities
Process Flow (Payer)
  • Payer walks into any or nearest bank branch, fills a deposit slip and presents at paying counter.
  • Tellers logs on to AccessPAY platform, selects the product
  • Under the product, initiate a payment process for the payer
  • The BSH confirms and authorizer the payment
  • Upon a successful payment, a success message is displayed, an e-receipt is generated and issued to the payer
EbillsPay

EbillsPAY is an account-based, online product that facilitates the bill payments and other remittances from an account. It enables customers make payments in real-time to corporates. It ensures instant credit of payments and receipt of collections on behalf of Billers/Merchant on the platform.


Available Channels

  • Internet Banking
  • Bank Branches
Features
  • Zero sign-on & implementation cost
  • Payments can be made to any registered Biller of EbillsPAY service with the assurance of receipt of value in online real-time mode
  • The service leverages the NIP service, as such, there is seamless and straight-through processing from the initiation point to the beneficiary account
  • Other payment services that require the use of cards, EbillsPAY is based on Account numbers of bank customers
  • The service provides a means of notifying Billers of payments made by their customers via SMS or email, in real-time
  • EbillsPAY has the capability to integrate with the core business application of the customer enabling automatic updates of payment records of each customer
Benefits
 

To Biller

  • Seamless payments from any bank in Nigeria real-time via the bank's branch or Internet banking platform.
  • Instant value in Corporate's account
  • No limit on the transaction value.
  • Captures unique identifier(s) for reconciliation of invoice related transactions
  • Convert all bank branches into payment centres

To Payer

  • Provides convenience and capability to make payments at the nearest bank branch or via your personal internet banking profile
  • Secured payments on the internet
  • Transaction notification by email
Target Customer Segments

  • Corporates in the supply business of goods and services nationwide with the need to capture unique identifying information on each respective payment.

  • Corporates with high volume of cash and cheque deposits at branch level
Pricing
  • Transaction Fee of N105 flat (VAT inclusive) bearable by biller or payer
Sign Up Process (Merchant)
Biller must fill and send back the following documentations
  • An application form
  • A sign-off EbillsPAY Agreement between the Bank and the Biller
  • Customization requirement form (Optional).
  • Webservice interface to validate all forms of captured payment information and also the fields to be returned upon successful authentication (Optional).
  • Provide technical team with web service methods, descriptions, error-code list and other necessary details (Optional).
  • Provide required fields to be returned for notification of successful payments
Process Flow (Cardholder)

In Branch

  • Payer walks into any or nearest bank branch, fills a deposit slip and presents at paying counter.
  • Tellers logs on to EbillsPAY platform, selects the Biller's product
  • Under the product, initiate a payment process for the payer
  • The BSH confirms and authorizer the payment
  • Upon a successful payment, a success message is displayed, an e-receipt is generated and issued to the paye

Internet Banking

  • Payer Logs into his/her bank's internet banking profile
  • Payer selects 'Biller name', under Biller Menu
  • Payer enters the required details for remittance
  • Payer confirms bill payment on summary page and proceed to payment
  • Upon a successful payment, a success message is displayed while an email or SMS notification is forwarded to the Payer's mail box

 

PrimusPlus

PrimusPlus is a web-based enterprise suite of payment solutions that offers organizations a secure, simple and cost-effective alternative to cash and cheque payments across multiple banks.

Functionalities
 

The key functionalities covered by the solution are the typical deliverables of organizations along the areas of:

  • Account Viewing and Transaction Reporting
  • Make single and Bulk Payments
  • POS Statement Viewing
  • Custom Duty and Export Fees Payments
  • Distributors Direct Debit
  • Card Services
  • Cheque Services
  • FX Bidding
Features
 
  • Security: Secure payment transactions incorporating best practices - maker checker, transaction authorization, notifications and alert.
  • Balance Transaction Reporting: Single view of all customers’ accounts, statement and transaction history within the bank on the platform.
  • Payments: Ability to carry out intra & interbank transfers using NIP and NEFT, also create domestic and international payments from a single solution.
  • Customs Duty: Initiate duty payments to Nigerian Customs Service for both imports and exports products
  • Multi-factor authentication/ Authorization: Use of passwords and OTP such as tokens to facilitate account access and payment transactions.
  • End-to-end encryption (SSL): Encryption of sensitive data travelling over a network (Internet, wireless, WAN and Local LAN). Data covered includes entry via browser or client application.
  • Alert System: Notifications and alerts for transactions to ensure payments are channeled to achieve desired objectives.
Benefits
  • Improve decision making and execution with enhanced visibility and control of your cash position.
  • Carry out transactions faster and more efficiently with straight-through-processing and simplified transaction workflows.
  • Embed your corporate controls, policies and business rules in executing your banking transactions.
  • Eliminate manual processes, reduce errors and increase system efficiency.
  • Define customizable, real-time/ scheduled reports in standardised and adaptable formats.
  • Improve business productivity by spending less time navigating accounts across banking solutions and more time focusing on your core business.
  • Capture additional information, including aggregated balances across accounts and banks for enhanced reporting.
Target Customer Segments
  • FMCGs {Fast moving consumer goods}
  • Telecommunications
  • Financial Institutions
  • Logistics
  • Oil & Gas
  • Power
  • Construction & Infrastructure
  • Manufacturing
  • Real Estate
  • Lifestyle : Fashion, Beauty, Health & Sports
  • Travel Agencies
  • Shipping
  • Retail
  • Education
  • Religious Bodies
  • Home & Interior Décor
  • Professional Bodies
Pricing

Local Payments:

  • Transaction Fee of N105 flat (VAT inclusive) bearable by biller or payer

Foreign Payments:

  • Handling charge- 0.5% of transaction amount
  • Swift charge - $15 (per transaction for transfers to other banks and international banks)
SignUp Process
  • Corporate begins registration using PrimusPlus Registration
  • Corporate inserts their account number in the required field and generates a corporate code.
  • Corporate code is sent to the corporate’s registered e-mail address. This code is inputted in the required field and the ‘Register’ button is clicked on.
  • Corporate’s information is displayed on the screen. Corporate is required to confirm the correctness of the same and then proceed.
  • All entries are confirmed accurately and submitted by the corporate.
  • After submission, the corporate is provided with login details.
  • To add users, accounts, and commence transactions, the corporate logs in and uploads a letterheaded instruction through the Admin Panel.
 

Need help? Kindly view PrimusPlus How-to Videos below:

HOW TO REGISTER ON
PRIMUSPLUS
HOW TO MAKE PAYMENTS ON PRIMUSPLUS
HOW TO AUTHORIZE PAYMENTS ON PRIMUSPLUS
FX BIDDING ON
PRIMUSPLUS
HOW TO MAKE CUSTOMS DUTY PAYMENTS ON PRIMUSPLUS
CARD SERVICES ON
PRIMUSPLUS
ACCOUNT MANAGEMENT ON PRIMUSPLUS
HOW TO SET UP A PAYROLL
MODULE
HOW TO USE PAYROLL
SERVICE
 

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