How it works

1. Visit reliancewisdom.com
2. Click on "Register" by top right corner of the page.
3. Fill in your details and click the "Submit" button.
4. You will be automatically logged in to your portal.

Alternatively

1. Visit reliancewisdom.com
2. Click on "Login" by top right corner of the page.
3. Click on "Login with Facebook" or "Login with Google".
4. Our application will get your data including email from Facebook or Google and use it to create an account for you if you have not registered before, on the application, else you will only be logged in to your portal without additional account creation.

NOTE: All in all, you must activate your account before you go live. An activation link will be sent to your e-mail immediately, when you complete your registration. Also, a link will also be available on your dashboard to resend activation link to you email when you log in. Kindly click on the activation link in your email. Then your account will be active.

You can test-run the application in two ways:

1. By using the content on the documentation page (API -> Documentation)
2. There is also an already made form to input your data for testing. This can be visited via API -> Make Transaction

NOTE: This page can also be used for live integration testing but your account would have to be approved for live integration. Also, which either way you intend to use for the testing, the amount to be paid must not be less than N50.

For you to go live, you must have uploaded your company profile data on API -> Company Profile. Also, on this same page, you must have uploaded your company's Certificate on Incorporation/Registration. Then the admin will get a notification of your action and put you on live integration.

There two different charges in the payment gateway:

1. Default charge of 1.5% of the amount to be paid, cap of ₦2,000. This means that if the 1.5% is more than ₦2,000, exactly ₦2,000 will be charged. By default, the merchant is meant to pay for this charge. The merchant can also set the application to make customers pay for the charge while he (the merchant) receives the full payment. This can be done via API -> API Settings.
2. Additional charge of ₦25 on payment of LESS THAN ₦2,500 OR ₦100 on payment of amount GREATER THAN or EQUAL TO ₦2,500. By default, customers are meant to pay for this charge. The merchant can also set the application to make him pay for the charge. This can be done via API -> API Settings.

All together, a merchant can set the application to charge himself or his customers for the both charges.

A merchant can view the transactions made by his customers whether successful or not, at the back-end (portal) via API -> Transaction Log. Also, he can view the successful transactions with the respective charges and withdrawals of outstanding balance via API -> View Transactions.

The remittance of the outstanding balance is on T+1 basis. This means that for instance, your outstanding balance of a day can only be paid to you by the close of business on the next working day. Working days span Monday-Friday. The payment will be made to the account details supplied when uploading the company's profile.

Meanwhile, request must be made for withdrawal by clicking on the "Request withdrawal NOW!" button on your Dashboard in your portal when you are on live mode.