Unified Payments Nigeria: Review of PayAttitude & PayArena

Unified Payment Services Limited otherwise known as UP is a premier payment and financial technology company in Nigeria which was established in 1997 by a consortium of top Nigerian banks. They also operate as a shared infrastructure for the Nigerian banking community and they serve as a payments service provider in and out of Nigeria.

The company was founded with a vision to be the first choice e-payment service provider in Africa. Additionally, they pride themselves in a mission statement which is built on respect, innovation, professionalism, dependability and execution. Unified Payments Nigeria Ltd was incorporated as SmartCard Nigeria Plc, and later it was changed to ValuCard Nigeria Plc before it became known as UP or Unified Payments.

It adopted the name “United Payments (U.P) after the decommissioning of their card scheme and domestic-only payment and the transformation to option-neutral and scheme-neutral PayFinTech company with ownership of various technologies.
The company has vast capabilities and wide cross-enterprise alliances with so many firms and in the banking sector. United Payments is first and the only non-bank entity in Nigeria that is a licensed acquirer and a Principal Member of all of MasterCard, Visa, American Express, PayAttitude and UnionPay.
Services & Solutions of United Payments

The major business services of UP are as follows;
(i) Processing
(ii) Acquiring
(iii) Payment Terminal Service Provider (PTSP)
(iv) Switching
(v) Value-Added Services
(vi) FINTECH and bespoke Solutions
(vii) Agency Network

What You Should Know About PayAttitude
PayAttitude digital is a trendy, smart and a convenient way of making payments. It uses a financial technology which enables the subscribers to make use of their phone number when making transactions at the POS, ATM and Web at physical merchant locations.

Also, PayAttitude allows customers and merchants to accept payments from customers and clients using customers phone numbers across different e-payment channels without the use of terminals or POS devices. The innovative solution is delivered through the use of a mobile app and USSD to support smartphone users.

What You Should Know About PayArena
PayArena is a value-added services platform which gives access to customers to get certain services such as the purchase of airtime (Virtual Top Up, Prepaid PINs etc) for all telecommunication providers in Nigeria, money transfer service, payment of bills and collection services platform to corporate and public organizations such as churches, association, mosques etc.

The platform accepts payments through different options such as MasterCard, PayAttitude, American Express, Visa, UnionPay etc) and it can be accessed on multiple channels like the internet through the URL – (www.payarena.com), 40,000 POS terminals and ATMs around the country.

With PayArena, anyone can top-up their mobile phone or the phone of their chosen beneficiary with airtime. The airtime purchase service is available for Prepaid PINs, Virtual Top-Up (VTU) and Logical for Airtel, MTN, Glo and 9mobile who happens to be the four major Telecommunication networks in Nigeria.

Also, it can be used for making bills payment to a wide range of utility service providers. Payments can be made to providers such as the PHCN Eko Electricity Distribution and PHCN Ibadan Electricity Distribution (for both Postpaid users and the Prepaid meter), DSTV, GOTV, Swift Networks, LCC, Startimes, etc.

Also, it is a secure and easier way of sending money to people. PayArena enables you to make money transfer transactions on a 24/7 basis through the card to account, card to card and card to PayAttitude.
The United Payments Nigeria Ltd can be reached on mail at [email protected] or call them on any of the following numbers +234 1 2704705; 2703010-4.