User Guide for Online Payment with ATM/Naira Debit on SmartSMSSolutions

1. Log into your SmartSMSSolutions SMS account.

If you do not have an account yet, please click here to register.

You can use the “Login to Send SMS” Box to the right side of this page to login to send SMS.

If you are having difficulty logging in, please click here.

2. If you are not on the “Buy SMS” page yet, please click here.

Or type in your address bar.

You can also get to the “Buy SMS” page by clicking on the Interswitch image on top of the SMS pages.

3. Specify the amount of SMS units you will like to buy in the box below the “Amount of Credits to Order”. For this purpose of this user guide 1000 units will be used but you can specify as many units as you want and as few as 100 units.

4. Then click, “Preview Order”.

5. Next, an “Order Confirmation” Page will be loaded. This page will confirm the SMS units ordered before and the corresponding cost.

6. Click “Continue to Checkout” to continue the transaction.

7. If you will like to cancel the order and start another one, click the “Place a new order” link. The previous order will be cancelled and you can start afresh.

8. Once you clicked on the “Continue to Checkout” link, the “Payment Gateway Selection” will be loaded. To pay with an ATM Card (Naira Debit Card), click on the Interswitch/MasterCard logo

9. If you are requested to continue the payment process, click “Yes” or “OK”

10. The Interswitch payment gateway will be loaded. The Interswitch gateway is provided by GTBank, the address in the Address Bar will change accordingly.

11. Select your card type by click on the corresponding logo. To know your card type, the logo is displayed in front of the card. Examples are given below using the FirstBank’s ATM Cards




12. Once the card type has been selected you will be presented with a page similar to the one below.

13. In the “Card Number” box, enter the 16-digit number of the ATM card

14. In the Expiry Date field, enter Month and Year the card will expire as printed on the card

15. Using the pad on the screen, enter your PIN

16. In the Card Verification Value (CVV2), enter the 3 digits printed on the back of ATM Card

17. When you are done, click the “Pay” link to the bottom of the page

18. Then the transaction will be processed

19. If you get a request to continue, click “Continue”, “OK” or “Yes”

20. The result of the transaction will then be displayed

21. You will be sent an email detailing the result of transactions

22. If you get an email with “SMS Credits Order Rejected” as the title, it means that the transaction was not successful.

This can be due to either of the reasons below

1. No Transaction Submitted

This means that the transaction process was not completed. The failure can result if the client fails to

i. Click on the “Proceed to Checkout” Link

ii. Select the “Interswitch” Payment System

iii. Select the correct card type

iv. Input correct card number, expiry date, the pin and/or the CVV2

2. Processing Error

Processing error can be generated due to any of the following reasons.

  • Invalid amount
  • Invalid transaction, transaction not supported or permitted here
  • Invalid card number
  • No such issuer, card issuer does not exist or is not recognized here
  • Customer cancellation
  • Suspected malfunction in system
  • Card issuer or merchant's bank not supported
  • Expired card
  • Restricted card
  • PIN tries exceeded
  • No credit account
  • Lost card
  • No universal account
  • Stolen card
  • Account closed
  • Insufficient funds in your account for this transaction
  • No check account
  • No savings account
  • Expired card
  • Incorrect PIN
  • No card record
  • Transaction not permitted to cardholder
  • Transaction not permitted at this terminal
  • Transaction financial value exceeds your withdrawal limit
  • Restricted card
  • Security violation
  • You already exceeded withdrawal frequency set by card issuer
  • PIN tries exceeded
  • Your financial institution is not currently available (try again in a moment)
  • Routing error
  • Duplicate transaction
  • System malfunction
  • Transaction financial value exceeds cash limit
  • Transaction record not found in payment gateway system
  • Payment gateway security violation
  • Merchant deactivated at payment gateway
  • Payment gateway application error


If you have any issue using the online payment system, please contact us by sending the details of your transactions to 07034243326 or This email address is being protected from spambots. You need JavaScript enabled to view it.