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PayAttitude and Unified Payments deliver innovative solutions for retail payments in emerging markets.


Lagos, Nigeria. May 5, 2015. Nigeria’s leading electronic payments service provider, Unified Payments Services Limited a.k.a Unified Payments and PayAttitude have introduced PayAttitude, the first-ever interoperable multi-bank Chip+PIN and Offline/Online contactless solution for retail commerce and banking to the Nigerian market.


Managing Director and Chief Executive Officer, Unified Payments, Agada Apochi speaking at the formal launch in Lagos, remarked that PayAttitude is a revolutionary step forward in Nigeria’s retail commerce and banking sector: “PayAttitude guarantees subscribers the confidence and comfort of successful payment for goods and services at merchant locations at all times notwithstanding the challenges of telecommunication at the Point of Sale (PoS) terminal or the unavailability of network of the Subscriber’s bank. It is also compatible with works on all types of mobile phone handset and all networks, making it possible for the phone handset to be used for retails payments at Points of Sale. PayAttitude uses Near Field Communication (NFC) technology to achieve seamless interaction between the subscriber’s phone handset and PoS terminals”.


Two variants of PayAttitude - the PayAttitude Debit and the PayAttitude Prepaid/Mobile - were showcased at the launch with particular emphasis on the convenient, safe and secure transactions they guarantee for subscribers.


Titilayo Olubiyi, Country Manager, PayAttitude said: “ The critical difference between the two variants is that Prepaid/Mobile can be obtained at authorised agent locations without a bank account while the Debit is used with bank accounts thereby delivering on the objectives of Agency Banking and Financial Inclusion. The great thing about both variants is that they deliver a 100% success rate on all transactions, as long as the subscriber’s electronic purse is funded.  


“PayAttitude is easy for anyone to use - just visit any participating bank or authourised retail outlet to get your Tag, attach to your mobile and at any POS anywhere, tap and welcome to a world of mobile transactions made easy and secure”, Olubiyi added.


Leading Nigerian banks were given Certificates at the event licensing the banks to offer PayAttitude to their customers and to provide acceptance at merchant points of sale.


The launch event was attended by industry leaders in banking, payments, manufacturing, retail, etc.


About Unified Payments

Unified Payments® otherwise known as Unified Payment Services Limited is a card-neutral and option-neutral Payments Service Provider founded in 1997 by a consortium of leading Nigerian banks. Unified Payments® operates as a shared infrastructure for the banking community in Nigeria and Payments Service Provider within and outside Nigeria, with a vision to be the most preferred e-payment service provider in Africa. Formerly known as ValuCard Nigeria Limited, the name of the Company was changed in 2012 to reflect its new business, following a successful transformation from a domestic card scheme to a provider of payment services supporting different payment options and schemes. Unified Payments is the first and only nonbank Nigerian organization that is a member of Visa, MasterCard, UnionPay and PayAttitude.

Unified Payments prides itself in Leadership & Innovations in Payments and has contributed significantly to the growth of electronic payments in Nigeria including pioneering the issuance and acceptance of EMV Chip+PIN cards in Nigeria leading to reduction of ATM fraud and elimination of fraud at Points of Sale terminals in Nigeria.


About PayAttitude®

PayAttitude® is a registered trademark of PayAttitude Global, a payment scheme owned by majority of Nigerian banks and committed to providing payment technology and solutions that meet the needs of emerging markets through the next generation of innovative and inclusive payment solutions. PayAttitude enhances commerce and lifestyle through convergence of solutions for different stakeholders — consumers, businesses, financial institutions and governments.

Visit our website www.payattitude.com for more information about the product.