Paying For Your Item

How do I pay for a TheNaira purchase?


TheNaira offers you multiple payment methods. Whatever your online mode of payment, you can rest assured that TheNaira’s trusted payment gateway partners use secure encryption technology to keep your transaction details confidential at all times.


TheNaira also accepts payments made using Visa, MasterCard, Paystack, Maestro and American Express credit/debit cards.


Are there any hidden charges (Octroi or Sales Tax) when I make a purchase on TheNaira?


There are NO hidden charges when you make a purchase on TheNaira. The prices listed for all the items are final and all-inclusive. The price you see on the product page is exactly what you pay.


Delivery charges may be extra depending on the seller policy. Please check individual seller for the same. In cases, the £50 delivery charge is waived on orders worth £500 and over by sellers.


How do I pay using a credit/debit card?


We accept payments made by credit/debit cards issued in the UK and 21 other countries.


Credit cards


We accept payments made using Visa, MasterCard and American Express credit cards.


To pay using your credit card at checkout, you will need your card number, expiry date, three-digit CVV number (found on the backside of your card). After entering these details, you will be redirected to the bank’s page for entering the online 3D Secure password.


Debit cards


We accept payments made using Visa, MasterCard, Paystack and Maestro debit cards.


To pay using your debit card at checkout, you will need your card number, expiry date (optional for Maestro cards), three-digit CVV number (optional for Maestro cards). You will then be redirected to your bank’s secure page for entering your online password (issued by your bank) to complete the payment.


Internationally issued credit/debit cards cannot be used for Flyte, Wallet and eGV payments/top-ups.


Is it safe to use my credit/debit card on TheNaira?

Your online transaction on TheNaira is secure with the highest levels of transaction security currently available on the Internet. TheNaira uses 256-bit encryption technology to protect your card information while securely transmitting it to the respective banks for payment processing.


All credit card and debit card payments on TheNaira are processed through secure and trusted payment gateways managed by leading banks. Banks now use the 3D Secure password service for online transactions, providing an additional layer of security through identity verification.


What steps does TheNaira take to prevent card fraud?


TheNaira is well aware of the importance of a strong fraud detection and resolution. We and our online payments partners monitor transactions continuously for suspicious activity and flag potentially fraudulent transactions for manual verification by our team.


In the rarest of cases, when our team is unable to rule out the possibility of fraud categorically, the transaction is kept on hold, and the customer is requested to provide identity documents. The ID documents help us ensure that the purchases were indeed made by a genuine cardholder. We apologise for any inconvenience that may be caused to customers and request them to bear with us in the larger interest of ensuring a safe and secure environment for online transactions.


Can I use my bank’s Internet Banking feature to make a payment?


Yes. TheNaira offers you the convenience of using your bank’s Internet Banking service to make a payment towards your order. With this, you can directly transfer funds from your bank account while conducting a highly secure transaction.

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