How Safe Is The Use of ATM/Debit Cards

Why Am I Being Asked For My PIN and Password?

1. Most Nigerian banks are networked together through a company called Interswitch Nigeria Limited.
2. Looking behind your ATM/DEBIT Card, you will see the Interswitch logo (same one on the left hand side of this web-page).
3. This network is the reason why your ATM Card works on other banks' ATM machines.
4. Interswitch's web-version of those ATM Machines is the platform which we are using on this website for ATM/DEBIT payment.
5. You are safe as long as you do not give out details of your ATM/DEBIT Card to ANYONE including that guy that is trying to assist you with this registration.
6. We don't ask you for details of your ATM/DEBIT Cards on our website.
7. Our website is directly supported by Interswitch Nigeria Limited and Guaranty Trust Bank.
8. Our website redirects you to Guaranty Trust Bank's website.
9. Guaranty Trust Bank passes you to Interswitch Nigeria Limited's payment portal.
10. Interswitch then requires details of your ATM/DEBIT Card to be sure that it is indeed you and not some "yahoo-boys".
11. Once your identity is confirmed, Interswitch Nigeria Limited contact's your bank.
12. Your bank checks whether you have sufficient credit in your account and transfer funds to Interswitch.
13. Interswitch transfer's the credit to OAU's Postgraduate College Account.
14. Interswitch redirects you back to our website.
15. We query Interswitch for detail of the transaction you had on their site.
16. A successful transfer required the three parties to be "available" and respond on time - Interswitch, GTB and your bank.