How to pay for services without ATM card or internet

‎ verve ‎Paycode: You can still withdraw cash from the ATM and make payments ‎at merchant locations without your debit card. All you need is a Paycode.

 What this paycode means is that you can dial your bank paycode code or *322*8# to pay at any shop.. 

 Example: you went to eat and you forgot your ATM all you have to is to dial *322*8# and a code will generate for you give it to the seller as cash. 

 The seller can go to any ATM to credit his or her account with the code you issued. 

 Note: make sure the mobile number is registered with your bank.‎ 

Some bank paycode short code:

1. ‎ For union bank dial *826*7#
2.  For fidelity dial *770# 
3. For GTbank *737# 
4. FCMB  *322*214*8# 
5. Access bank *901#‎
6.  For general: *322*8#. ‎ 

 Does the use of Paycode attract any charge or fee? 

‎This depends, the cardless withdrawal at the ATM attracts a surcharge of N100 which is paid by the sender of the Paycode. While for payments at the POS there’s no charge. ‎ 

Generate code without internet :

‎Generate a paycode without Internet Simply dial the Verve USSD code [*322*8*Amount#] or your bank’s USSD code and follow the prompts. 'Amount' represents the Value of the Paycode you want to generate. ‎ 

Generated Paycode duration 

 ‎How long does a Paycode stay active after it has been generated? 

 A Paycode generated for the ATM is valid for 24 hours and expires after that while a Paycode generated for the POS expires after 15mins. ‎ 

What does ‘Send via SMS’ mean after Paycode has been generated? 

 Send via SMS allows you send a Paycode to Family and Friends by entering the recipient’s mobile number or choosing the recipient’s mobile number from your contact list. The Paycode will be sent to the recipient in an SMS. However, you are required to inform the recipient of the Cash-Out PIN directly to ensure the details are kept between just both of you.‎