G-Kala for merchants is a mobile wallet solution designed to conveniently allow Merchants to receive payments from their customers without physically handling cash. It is for all business owners (Small,
Medium, Large scale businesses) who want to receive payments efficiently for sales of goods and services

G-Kala for merchants is a mobile wallet solution designed to conveniently allow Merchants to receive payments from their customers without physically handling cash. It is for all business owners (Small,
Medium, Large scale businesses) who want to receive payments efficiently for sales of goods and services

Types of Merchant

1. Sole Proprietorship: Business entities owned by Individuals
2. Enterprise: Business entity / Entrepreneurs which are duly registered with Corporate Affairs Commission
3. Limited Liability Company: Private and Publicly owned companies

Merchant Category
Copy of Memorandum and Articles of Association

• Buy Goods & Services
  1. Till payments (Rural and urban retailers with multiple registers)
  2. SME collections, FMCG distributors
  3. Enterprise collections
  4. Government organisations, Private companies
  5. Sports betting companies, music industry, job search
  6. Churches, Mosques
  7. Market Place (Ecommerce), content providers
• Billers
  1. Restaurants, hotels, airlines (flight information), schools, hospitals and clinics
  2. Transport: Transport and logistic companies + taxies & minivans
  3. Utility payments (DStv, GOtv), electricity payment
  4. Schools, health care organizations, immigration, police and security agencies, NGOs

Opening a G-Kala account is free and easy. You can do it via the following channels:

• You may call our customer care +234 915 55 55 995 for instructions on how to join
• Dial *995# on your phone and follow the instructions to register.
• Call up our regional sales team & provide your First name, Surname and Phone number and the relevant documents
• Submit an enquiry form on our website www.moneymasterpsb.com

Merchant code is an 8 digit code given to the Merchant upon registration by G-Kala for identification purposes, it is used to track merchant transactions and must be quoted by the Merchant for any dispute resolution

1. Retain your customers throughout and capture lifetime value, earn more profitability with more payment options through G-Kala
2. Enrich safe and secure mode of payment for customer, banking transactions, funds transfers etc
3. G-Kala Merchants will avail real-time settlement for wallet to wallet transactions
4. Never lose a customer due to change issues or non-availability of payment options
5. Higher turnover leading to higher profitability

Currently Merchants can do all the transactions related to payment collection through mobile.
Merchants will soon be able to collect from any channel of payment including

1. Mobile app
2. Card
3. QR Code

1. Customers can make payment to merchants by dialing *995#
2. Select option 5 – Pay Merchant from the options
3. Enter 8 digit Merchant Code
4. Enter Amount
5. Select 1 to “Accept”
6. Enter the G-Kala PIN
7. Confirmation of money credited to merchant and debited to customer is instant and confirmed via SMS

Value of transaction amount is credited to the merchant wallet immediately after completion of customer transaction

Value of transaction amount is credited to the merchant wallet immediately after completion of customer transaction.
A transaction notification alert will be sent to both the merchant and the customer.

The Merchant or Buyer should contact their respective banks to report the disputed transaction or the Merchant can get in touch with us by calling us at our call center +234 915 55 55 995 or the Regional sales team

Please find below the transaction band and the corresponding Merchant fees for the transaction per slab and CBN guidelines
Buy Goods for Collection (inward):

• 0.5% of the bill value
  General Merchant (including domestic, international travels, and entertainment):
• 0.5% of transaction value but not more than N1,000

Kindly visit https://www.moneymasterpsb.com or contact our 24/7 call center at +234 915 55 55 995 to get more information. You can also get in touch with our Regional sales team

The following services are available currently at any G-Kala Merchant:
– Accept payments for Goods and Service
Coming soon
– Payment to State government levies/taxes, estate permits, etc.
– Payments for insurance premiums, airline tickets, embassies, etc.

Anyone can use G-Kala services – from students to artisans, traders, self-employed, professionals, and anyone who requires access to basic financial services

Your money is safe as the funds in your G-Kala mobile wallet are actually in the settlement bank and not on your phone.
– However, you must ensure that your log-in details as a Merchant are not compromised in any way.
– Once you get another phone, you will have to undergo the set-up process after which your Merchant account details are synchronized with your new phone.
– You can get in touch with us by calling us at our Call center +234 915 55 55 995 or the Regional sales team

Your money is safe as the money in the wallet is in the settlement bank and not in the phone.
Your wallet is secured by a PIN that allows you to access the platform, this PIN is ONLY known to you and should not be shared with anyone else
You can get in touch with us by calling us at our Call center +234 915 55 55 995 or the Regional sales team

– Ensure you have a feature phone or smartphone
– Complete and submit the registration form and provide the required KYC documents to the Regional Sales Team
– Receive validation and setup details
Commence live transactions

Yes, it is possible to have multiple G-Kala accounts with proper justification. Since G-Kala accounts are tied to a phone number or email address you need to submit fresh KYC details for a different phone number and email id

G-Kala offers a well-resourced multi-level support structure to attend to its Merchants’ complaints.
Depending on the nature of the complaint raised, the merchant will be contacted by our technical support team to ensure that issues are resolved in a timely manner
The Merchant can get in touch with us by calling us at our Call center on +234 915 55 55 995 or the Regional sales team

Check the balance of all your e-cash transactions in one view.
View saved payments and the number of transactions made per payment category. You can also view the transaction history for the month.

OTP stands for “One Time Password”, and is used to authenticate a transaction

We take security very seriously. We lock an account when we identify a security risk such as multiple failed logins, or potentially fraudulent account activity.

• Please note that we will direct you to the password reset page after 3 failed login attempts.
• However, if you ignore the password reset prompt and you get to 5 failed logins, then we will lock your account for 12 hours.
• However, you can still call our customer support team within the 12 hours window to unlock your account.
• The Merchant can get in touch with us by calling us at our Call center on +234 915 55 55 995 or the Regional sales team

A Merchant can call G-Kala customer care on +234 915 55 55 995 to reset his/her username details. The customer care executive will authenticate the Merchant by asking a few questions.
Merchant will be asked to answer questions related to the details given at the time of registration and onboarding
The Merchant can get in touch with us by calling us at our Call center on +234 915 55 55 995 or the Regional sales team

Merchants can call G-Kala customer care on +234 915 55 55 995 to have the PIN reset.
The customer Care executive will authenticate the Merchant by asking you a few questions.
Merchant will be asked to answer questions related to the details given at the time of registration and onboarding
The Merchant can get in touch with us by calling us at our Call center on +234 915 55 55 995 or the Regional sales team

IMMEDIATELY call G-Kala customer care on +234 915 55 55 995.

You will receive an SMS from G-Kala notifying you of the delay. If both parties have not received notifications then call G-Kala to confirm the status. If there is a further delay, the merchant can get in touch with us by calling us at our Call center on +234 915 55 55 995 or the Regional sales team

Payments are real-time and both customer and the merchant will receive an SMS notification confirming the same. This is applicable for G-Kala to G-Kala mobile wallet transactions.
For Online Purchase / POS transactions, the settlement will be done in T+1 timelines as recommended by CBN

The onus is on the Merchant receiving excess payment to initiate a refund to the customer.

Dial *995*55# from your mobile phone to access merchant services
Select option 3 from G-Kala merchant services USSD Menu
Select option 2 to get Account Statement
You can select various options for the period of Statement from 1month to 6 months

The Merchant can get in touch with us by calling us at our Call center on +234 915 55 55 995 or the Regional sales team

Merchants can get the training through our Regional sales team or a training material link can be sent by the customer care executive on the merchant’s registered phone number.

Dial *995*55# from your mobile phone to access Merchant Services

1. Select option2 to Pay Merchant to Merchant
2. Enter Merchant Code to whom you want to send/transfer money
3. Enter the amount which you want to send/transfer money to other Merchant
4. Details of the Merchant who would receive money will be displayed, verify the details
5. Enter your G-Kala PIN to confirm the transaction

The Merchant gets the marketing promotion material through the regional sales teams. The Merchant may equally make his request via customer care.
G-Kala will get the same delivered to the merchant as soon as possible

The Merchant can get in touch with us by calling us at our Call center on +234 915 55 55 995 or the Regional sales team

Select option 2 to Transfer to Bank

1. Enter the Bank account number
2. Select the bank to which the fund needs to be transferred
3. Enter the amount to be transferred to the selected bank
4. Enter the G-Kala PIN (Transfer to the bank is completed)

Dial *995*55# from your mobile phone to access G-Kala merchant services

1. Select option 1 to withdraw funds
2. Select option 1 for cash out at agent
3. Enter the agent code
4. Enter the amount to be cashed-out
5. Confirm the transaction with agent name and fee
6. Enter the G-Kala PIN (Cash out to Agent is completed)

Dial *995*55# from your mobile phone to access G-Kala Merchant Services
Select option 3 from G-Kala Merchant Services USSD Menu
Select option 1
Enter the G-Kala PIN
You will get confirmation on USSD and SMS on the account balance