This is an acronym for Electronic Bills Payment which is a collection platform managed and operated by the Nigeria Inter-Bank Settlement System Plc. (NIBSS) that accepts payments from customers via Internet Banking, Bank Branch, and USSD channels.

E-BillsPay is used to facilitate the payment of different Bills, Fees, Levies, Premiums, Airtime, and Subscriptions, etc. by the banking public through electronic payment channels provided and managed by Banks.


E-BillsPay Channels

Bank Branch

  • E-BillsPay Service is available across all Bank branches in the country
  • Payment for services can be done by simply walking into any Bank and requesting to pay for a service provided the receiver of such fund (Biller) has been profiled on E-BillsPay
  • Payer does not require the bank account of the service provider (Payee) to make payments.
  • A notification is received by the payer after payments have been made and a receipt generated in his favor provided all the necessary details has been made available by the payer


Internet Banking

  • Internet Banking (Mobile Apps)
  • Once a payee (Biller) details are profiled on the E-BillsPay platform, the payers can from their convenience make payments to the Biller by login into their Banks internet banking or the Banks mobile app and navigate through to E-BillsPay to make payments.



  • Payers will also be able to make payments for services and while the Biller would get value in real time via the USSD.
  • The payer simply dials *565*6*Merchant code# to initiate a payment. This would generate a drop-down menu where the payer selects the option of what he/she is paying for.
  • Kindly note that this USSD code is not Bank specific but controlled on a central switch via NIBSS and as such does not require the opening of accounts in all Banks.


Benefits of E-BillsPay

  • It provides various convenience options to receive payments
  • Timely and accurate reporting – The solution gives accurate reporting of all payments paid and processed by banks and those collected through the other collections channels.
  • E-BillsPay help to improve process efficiency as all banks will be collecting banks and the biller will receive immediate value for all payments.
  • It aids in Curbing corrupt practices i.e. under-remittance of collections or non-remittance of collections
  • Ease of Reconciliation – The biller will have online access to the transaction listing of ¬†collections paid in the banks and other payment channels
  • Settlement/Fund sweeping – The nominated billers account(s) for collections will be credited through the sweeping services rendered by NIBSS. The settlement will also be effected accordingly for all banks involved.


For more details and commercials kindly contact – +234 903 658 1855, +234 813 583 3739


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