mCASH-Empowering Financial Inclusion



mCASH is an innovative payment solution designed to facilitate retail payments to Merchants. It is accessible to payers via mobile USSD technology which in recent times has become the most accessible channel (even without internet) for financial and non-financial transactions. mCASH leverages on the NIBSS Instant Payments (NIP) infrastructure for immediate fund delivery to Merchants’ accounts. The solution is available for Bills, Web and POS payments.

Seamless retail payments without barriers

Unique Value Proposition

  • mCASH is connected to 19 Banks.
  • Other Institutions can integrate their unique USSD codes to the mCASH payment gateway.
  • mCASH is available on all 4 Telecoms Operators in Nigeria.

Touch Points

  • Mobile (USSD and Apps)
  • Web via mCASHPAY
  • POS via mCASHPAY

How It Works

The Payer’s phone number is used to retrieve his/her bank(s) and account numbers when a string is dialled or a push service is initiated. The mCASH USSD session is zero-rated and will work on any mobile phone whether its feature or smart phone.
  • Used to Facilitate low-value retail payments.
  • An accessible payment channel to entrance financial inclusion
Onboarding process


Logos of NIBSS Partners
Logos of NIBSS Partners
Logos of NIBSS Partners
Logos of NIBSS Partners
Logos of NIBSS Partners