POS Machine Cardless: How to pay and withdraw money from POS without ATM card in all Nigeria Banks using Paycode

Last Updated on July 1, 2024 by admin

Patronage of Points of sale (POSs) transaction is on the increase, making payment for goods and service or withdrawing money are done majorly via Point of Sale.

Businesses now set up POSs near store exits to increase the rate of purchases especially at the Gas station, Groceries stores and those that operate POS businesses.

In our today discussion we shall take a look at how to withdraw money and pay for goods and services via POS with your debit card here in Nigeria.

You can also read:Stanbic IBTC Bank, Unity Bank & Sterling Bank Cardless withdrawal; How get cash from ATM without card

Firstly, what is Points of sale (POSs)?

This is where customer makes a payment to the merchant in exchange for goods or after provision of a service.

The system allows businesses to complete purchases, record sales data and view business performance reports. Points of sale systems are used to process card payments or a virtual sales point such as a computer or mobile electronic device.

What is the benefits of Point of sales POS

The following are benefits of using POS for your business.

1.Prints transaction receipts
2.Accepts transactions of any value
3.POS provided at no cost to merchant
4.Reduces costs and risks of cash handling
5.Accepts MasterCard, VISA and Verve cards
6.Generates reports for reconciliation purposes
7.Real time confirmation of transactions for merchants
8.Supports multiple network connectivity options (GPRS, LAN, CDMA and WIFI)

How to pay for goods and services or withdraw money from POS without your debit card

To get start, you need to generate Paycode from your financial institution using your bank’s USSD code or Mobile App which is a 10 – 14 digit code

Please Note:This must be done with Paycode-enabled POS terminals only.

1. UBA

To pay for goods and service or withdraw money from POS using POS in UBA bank , you need to generate a Paycode using UBA’s Paycode USSD, simply dial *919*8*Amount# and send .Follow the on screen prompt message

ii.Use that code to pay on the POS machine

iii. Enter the code into the POS machine and the exact amount of your transaction will be deducted from your account.

2.GTBank

Gtbank customer can now pay for goods and service as well withdrawal cash from POS without their debit card all the need to do is to follow the steps below.w

1.Dial *737#
2.Input ”8” to select next page
3. Input ”1” to select cardless withdrawals
4 Input ”1” or “2” to select either
“GTBank” or “Other Bank”
5.If Option is “Other Bank”
then, enter “Terminal” as “1” or “2” to select “ATM” or
“POS”
6.Input ”Amount”
7. Enter any 4 digit code to set your “Cash-Out PIN”
8. Enter your pre-selected 4 digits PIN to complete the cardless withdrawal request

Gtbank Mobile app POS cardless withdrawal

Using Gtbank mobile app for cardless withdrawal depositor need to download mobile app 1.click ” Cash out (All ATMs & POS)” option
2. Complete the form displayed
3. Click “Continue”
4. Enter your “4 digit PIN” or “Token Code” and click “Done” to complete your request

3. Zenith Bank POS cardless withdrawal

Even if you don’t have Zenith Bank Naira debit card, no problem! You can now make transactions on Zenith Bank POS terminals using *966# EazyBanking.

All you nee do is to follow the steps below…

1. Dial *966*000*+code provided by the merchant,at merchant location

Please note this must be done with your registered phone number that is link to zenith Bank account also with POS that is Paycode-enabled

4. Union Bank POS cardless withdrawal

To pay for goods and service or get cash from POS using Union Bank ussd code, simply Dial *826*7# or use #UnionMobile app.

Enter “Terminal” as “1” or “2” to select “ATM” or
“POS”
6.Input ”Amount”
7. Enter any 4 digit code to set your “Cash-Out PIN”
8. Enter your pre-selected 4 digits PIN to complete the cardless withdrawal request

5. Fidelity Bank POS cardless withdrawal

To pay for goods or service of withdraw money from Fidelity bank using ussd code via POS. customers should follow the steps below..

Dial *770*8*AMOUNT# from your registered Mobile phone with the bank
2. Follow the on-screen prompts
3. Create a one-time PIN (OTP)
4.Enter your PIN to get a Paycode directly from your Fidelity account to withdraw cash.
5. Visit any POS Machine that is paycode enable, enter your Paycode, PIN, and Amount to get your cash

6. Wema Bank POS cardless withdrawal and payment of goods and service without Naira debit card.

1.Simply dial *945*8*Amount# to generate your paycode
2.Locate any POS Machine that is Paycode enable
3.Input your paycode , amount and get your cash or pay for goods and service

7. FCMB bank pos cardless withdrawal

Customers can now pick up cash from any ATM/pos or pay for goods and service in Nigeria without using FCMB Debit card.

Simply login to FCMBOnline and follow these simple steps:

1.Click on ‘Cardless Cash’ and select ‘Cardless’
2.Complete the information in the tabs then click ‘Generate Paycode Token’
3.Visit any POS machine , push ‘Enter’ and select the ‘Paycode Cashout Option’
4.Insert the 8-14-digit withdrawal code received
5.Insert 4-digit Cash-Out PIN created
6.Insert the amount and submit

You can also send the Withdrawal Code and Cash-Out PIN to your friends and family anywhere in Nigeria to get cash from any ATM/POS MACHINE

Also read: ATM & POS Cardless Withdrawal: GTBank, FCMB and UBA How to withdraw Money from any ATM without a card

8.Heritage Bank Cardless for POS withdrawal without ATM Card

Heritage bank customers can now withdraw money or pay for goods and service via POS WITHOUT THEIR DEBIT CARD.all the need to do is

1.Dial *322*030*8*Amount#

2.Visit any POS machine , push ‘Enter’ and select the ‘Paycode Cashout Option’
3.Insert the 8-14-digit withdrawal code received
4.Insert 4-digit Cash-Out PIN created
5.Insert the amount and submit

9. How to use STERLING BANK cardless without ATM card on POS

To make payment for goods and service or get cash from pos as sterling bank customers all you need is to follow the steps below.

1.Simply dial *822*42#
2. Follow the prompts message to create a one-time PIN (OTP). Enter your transaction pin for confirmation, a code will be sent to your mobile number via SMS.

3.At the POS Machine that is Paycode enable.Enter the code, amount and the One Time Pin created, to get your cash or make payment for goods and service.

10, How to perform Unity Bank Cardless withdrawal and payment on POS Machine

To withdraw money from Unity bank without naira debit card {Cardless withdrawal}

1. Dial *7799*8*Amount#

2.Visit POS Machine that is Paycode enable
3. Punch your pin code and paycode to get your casH OR pay to merchant for goods and service

11. How to make use of Stanbic IBTC Cardless withdrawal without debit card on POS

1. Stabic ITBC customers will need to download ease wallet from app store

Step 1

After successfully creating an ease wallet account number which will be download and registered with your bank details

step 2

Select the option to generate a Paycode and proceed to the next step.

Steps 3

At the pos machine, follow the cardless withdrawal feature and authenticate a withdrawal using the Paycode from your ease wallet.