BLINK with m-naira is a mobile payment method available in the m-naira app allowing users to:

  • Make Payment in-store and online, withdrawal and deposit cash at ATMs or Agent Locations.
  • Generate BLINK Checks(a one-time 6 digit code) used to make payments at ATM or Agent Location cash withdrawals. Blink with your phone, easy way to pay, cash OUT and IN BLINK and it’s done.



  • Open m-naira App
  • Select BLINK with m-naira
  • The new screen will open which asks the user to enter the amount to pay.
  • Click on NEXT -> A details screen will open which shows Amount to Transfer, convenience fee and total amount to pay.
  • Click on CONFIRM -> OTP will be sent to your registered number. In most cases, app will auto-detect OTP or enter OTP manually.
  • Click on NEXT -> App will verify entered OTP and if everything goes well, app will show TOKEN and timer for 100 seconds as this TOKEN is valid for 100 seconds only. You can use this token or share it with anyone whom you wants to pay.
  • You can share this to nearby m-naira agents too. Agent can validate this TOKEN and pay cash.
  • You can also cancel this transaction and token by clicking on the CANCEL button given on bottom left corner of the screen.
  • Once this token has been verified by agent or whom you shared this, CONFIRM button on bottom right corner will be enabled.
  • Click on CONFRIM -> your transaction is completed now. Your account will be debited by the entered amount + convenience fee.



  • Open m-naira App
  • Go to Settings -> Select My Agent Activity -> Select Agent BLINK CashOut
  • New screen will open which asks agent to enter received TOKEN.
  • Click on NEXT -> A detailed confirmation screen will open which shows TOKEN to verify.
  • Click on CONFIRM -> App will validate this TOKEN. If token is valid app will show success screen otherwise error screen will show with appropriate message and agent can re-try from there.