Frequently Asked Questions

Find answers to common questions about PayByChance

General Questions

PayByChance is an innovative promotional value-added service that enables consumers to meet their needs, desires, and transaction goals at a minimal participation cost (₦250), offering them a chance to unlock greater value and achieve more with every transaction.

When a customer scans a PayByChance QR code at a partner store or online, they are directed to a secure PayByChance page. They make a small payment to participate, and the system instantly notifies them whether they've won or not. Any amount won can be used immediately at the store.

Yes. PayByChance operates under licenses from the Lagos State Lotteries and Gaming Authority (LSLGA) and the FCT Lotteries Board, ensuring full compliance with promotional and gaming regulations.

Unlike traditional promotions or loyalty schemes, PayByChance combines digital payments, customer engagement, and instant gratification — offering both consumers and merchants real value with every transaction.

Participation & Winnings

Simply scan the PayByChance QR code displayed at the checkout counter, product shelf, or online store. Follow the instructions on the landing page to complete your ₦250 participation payment.

Once you pay, you'll receive an instant message confirming whether you've won or not. If you win, the value will be added to your PayByChance wallet or used directly for purchases at the store.

You can instantly use your winnings to pay for goods or services at the same store where you participated or any other participating PayByChance merchant.

Yes. You can participate as many times as you wish — the more entries you make, the higher your chances of winning.

You'll receive an instant on-screen notification, followed by an SMS or email confirmation with your transaction details.

Yes, depending on the merchant's policy. Winnings can either be used directly for purchases or transferred to your wallet for later use or withdrawal.

Payments & Security

Absolutely. All transactions are processed securely through our licensed payment partners, using encrypted and PCI-DSS-compliant payment systems.

You can pay using bank cards, transfers, USSD, or your PayByChance wallet.

In the event of a failed or incomplete transaction, the customer's account is not charged, or they receive an instant reversal from our payment processor.

Transactions automatically resume once connectivity is restored. Offline participation is also possible on select POS terminals integrated with PayByChance.

For Merchants

You can onboard as a merchant by registering through the PayByChance website. Once approved, you'll receive a unique QR code and access to your merchant dashboard to manage transactions and reports.

  • Increased customer traffic and repeat visits
  • Higher transaction volumes as customers spend more to win
  • Enhanced brand visibility through in-store promotional materials
  • Access to customer insights and analytics from your dashboard

All settlements are processed through our licensed payment partners and settlement banks. You'll receive automatic payouts into your merchant account based on agreed timelines.

You only need a visible space in your store for the PayByChance QR code and communication materials. The platform runs entirely online — no POS or hardware installation is required unless integrated into your payment systems.

Yes. PayByChance can integrate with most POS terminals and digital payment gateways through a simple API connection.

Our raffle and payment systems are monitored by regulatory bodies. Every transaction and draw is digitally verified to ensure fairness and transparency.

Merchants can log in to their PayByChance dashboard to view transactions, wallet balances, reports, and customer engagement metrics in real time.

Onboarding typically takes 3–5 working days, including verification, training, and QR code setup.

Yes. Each branch will receive a unique QR code for tracking and reporting purposes.

Support & Contact

PayByChance offers 24/7 customer and merchant support via email, phone, and in-app chat. Dedicated account managers are also assigned to top merchant partners.

You can reach the PayByChance team via:

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