Terms & Conditions


What is Dot.

These legal terms are between you and Payant Technologies Limited (Payant/Dot./us/we) and you agree to them by using the Dot. app or USSD.

You should read this document along with our Data Privacy Policy.

How to contact us

You can contact us through the Dot. app.

Email us at hello@dotapp.ng.

Phone us on +234 (0) 704 444 4535.

Or send a letter to: Payant, 4 Barnawa Close, Off Challawa Crescent, Barnawa, Kaduna, Nigeria.

We'll contact you via the Dot. app, or through your email, phone or home address. Please let us know if any of these change!

Making payments

You need enough money in your account to make payments. No transaction would be allowed to take your balance below zero. If that happens, please let us know.

We may block your payments if:

  • your instructions are unclear
  • we suspect criminal activity on your account
  • we're not legally allowed to make the transfer
  • it goes over your payment limits (you'll find these in your app; they'll change over time).
  • If we block a payment, we'll let you know as soon as possible.

Using your Dot. card

Your Dot. card will work on ATMs, POS and Online Websites for purchases.

As third party ATM withdrawals cost us money we pass those costs to you. You can withdraw up to 150,000 from ATMs across Nigeria within 24 hours.

If something goes wrong

Please keep your phone, card and PIN safe at all times.

If you lose your card or you see transactions in the app that look wrong, freeze your card in the app or via USSD and tell us as soon as possible. We might be able to refund any money you lost due to our mistakes or inaccuracies with your payments or due to fraud.

But, you won't be able to claim back money you've lost if:

  • you didn't keep your phone, card and PIN safe
  • you broke the terms of this agreement
  • you gave us incorrect instructions (we'll still try to help you recover your money)
  • we took actions under conditions outside of our control
  • the losses aren't the direct result of our actions.

If someone pays money into your account by mistake you give us permission to return it.

How to make a complaint

If you have a complaint, please contact us and we'll do our best to fix the problem.

Making changes to this agreement

This agreement will always be available in the app and on our website.

If we make changes to it that are clearly in your favor, we'll tell you once we've made them. Otherwise we'll give you a month notice.

If you don't agree to these changes, you can let us know and we'll close your account. We'll transfer any money in the account to another account of yours, and you'll need to pay back any money you owe us.

Closing your account

To close your account, please get in touch with us. You'll need to repay any money you owe us before we can close your account. Once we've closed it, your card won't work and you won't be able to access your account.

We can close your account by giving you at least two months' notice. We may close your account or stop you using your card and app immediately if we believe you've:

  • broken the terms of this agreement
  • put us in a position where we might break the law
  • broken the law or attempted to break the law
  • given us false information at any time
  • been abusive to anyone at Dot. or a member of our community.

We're Saving Thousands of Customers' Time and Money

Join us today and get access to a modern mobile payment service.
Download our app or simply dial *347*3#.