Understanding how you receive Zoto bank debit alerts.

Buying airtime, getting data and paying bills on Zoto is quite a simple experience. And we’re proud to have provided this seamless service for over two years now.

Over time, we’ve listened to customers feedback to us on what they think about Zoto pre and post purchase. And a common theme has been how they receive their debit alerts. While some understand how this works, a few of us don’t (it took me a while to fully grasp too), so here’s a post explaining in detail how you’d receive bank alerts from Zoto transactions.

We all know there are two ways to get bank alerts, SMS and Email. Here’s an example you can relate to if you’ve ever shopped on a foreign website like Amazon.

If I buy something worth $10 on Amazon and make payment, I get an SMS from my bank (GTB in this case) saying I have authorized a payment of $10 to Amazon. Now I don’t get debited immediately, but in order to ensure customers don’t pull a smart one and empty their account before the debit happens, GT holds on to the naira equivalent of $10.

A few days later, I get a debit alert from GTB for the transaction. So the first alert wasn’t a debit alert, it was simply a notification that money was being held. The second alert was the debit alert.

And this is exactly how Zoto works.

“Why is this different from other Nigerian services I use?” you might ask.

it’s because we use a super awesome payment gateway that’s built by the guys at MasterCard and the Nigerian banks treat these payments differently.

So here’s a typical example for Zoto

We certainly hope this allows you to better understand how your transactions work on Zoto. Should you still want to talk to us, Call our toll- free number,0800069968, send a mail to care@zoto.com.ng

P.S. Please also ensure that your mobile number and email is updated in your bank’s records in order to receive continuous alerts from your Bank.