Setting Up Your VTU Wallet: Payment Gateways Explained

Every purchase on a VTU site is paid from the customer’s wallet. That means your funding flow has to be smooth and reliable. Here is how the wallet works and how to switch on the payment methods your customers expect.

How the wallet works

When a customer funds, their balance goes up. When they buy data or pay a bill, the amount is deducted automatically — and if the provider fails, they are refunded instantly. Every movement is recorded in a ledger they can see.

Card & transfer with Paystack

Paystack is the fastest way to accept cards and bank transfers. Paste your live API keys into the Payment Gateways tab, activate it, and customers can top up in seconds.

Dedicated accounts with Monnify & PalmPay

These gateways generate a unique virtual account number for each customer. Anything they transfer to that number lands in their wallet automatically — no manual checking.

Manual bank transfer

Prefer to keep it simple? Add your bank details and customers upload a payment receipt. You approve it from the Funding Requests tab and their wallet is credited.

Tip

Offer at least one instant method (Paystack or a virtual account) alongside manual transfer. Customers who can fund instantly buy more often.