Frequently asked questions

KinaTrust is a Nigerian payments platform for everyday essentials — airtime, data bundles, electricity tokens, cable TV renewals, exam PINs and identity verification — all paid from one secure wallet.

Yes. Creating an account costs nothing and there are no monthly fees. You only pay for the services you buy, and prices are always shown before you confirm.

Just your name, an email address and a password. Adding your phone number is optional but recommended, so you can receive transaction alerts.

Instantly, by debit card or bank transfer, processed through our secure payment partner. Your balance updates the moment the payment is confirmed.

No. Airtime costs face value, bills cost the provider's official price, and where a service fee applies (such as identity verification) it is displayed clearly before you pay.

Failed transactions are retried automatically. If a purchase still can't be completed, the full amount is returned to your wallet and the transaction is marked refunded in your history.

Every transaction has a unique reference and a downloadable receipt, available any time from your transaction history.

All four Nigerian networks — MTN, Glo, Airtel and 9mobile — for both airtime and data bundles.

All major distribution companies, including IKEDC, EKEDC, AEDC, KEDCO, PHED, JED, IBEDC, EEDC, BEDC and Kaduna Electric, for both prepaid tokens and postpaid bills.

Yes — every bouquet on all three platforms. We verify your smartcard number and show the registered name before you pay.

Yes. JAMB ePINs, WAEC result checkers and NECO tokens are sourced from official channels and work on the respective official portals.

Enter the 11-digit number, confirm the displayed fee, and the verified details are returned in seconds. You're only charged when a lookup succeeds, and verifications should always be done with the holder's consent.

Yes. All traffic is encrypted in transit, passwords are stored as strong one-way hashes, and we operate in line with the Nigeria Data Protection Regulation (NDPR). We never sell your data.

Use the 'Forgot password?' link on the sign-in page. We'll email you a secure link, valid for one hour, to set a new password.

Open the transaction in your history and use 'Report an issue', or contact support with the transaction reference. We resolve or refund verified failures in full.

Yes. You can permanently delete your account from your profile's Danger Zone. This removes your account and history and cannot be undone.