Guide | Payment Portal Registration | Owner Login – Developed by SystemSpecs

Filed in Banking by on September 14, 2017 0 Comments Guide | Payment Portal Registration | Owner Login – Developed by SystemSpecs

This write up explains all about who owns remita. It also answer every questions related to remita billers; generate remita; remita cac; remita registration portal; remita receipt; nti remita payment; remita customer care.

About Remita Website – Guide

Remita is an e-Payments and e-Collections solution on a single multi-bank platform.

Today, Remita is in use by many individuals, public and private sector organisations that process over 500 Billion Naira worth of transactions on a monthly basis.

Adopted by the Central Bank of Nigeria for the payment and collections of funds on behalf of the Federal Government of Nigeria and used by all 22 commercial banks and over 400 micro finance banks, Remita has significantly assisted to revolutionize the e-payment industry in Nigeria. Remita also comes with an optional Payroll and HR solution for full integrated processing. Remita, developed by SystemSpecs, and voted many times as Nigeria’s Software of the Year, is indeed a success story and a pride to Africa.

What Can Remita do for You? – Guide

  1. Make Payments from All Your Accounts in All Banks on a single platform
  2. Receive Funds through Debit/Credit Cards, Branches of all Banks Nationwide, etc
  3. Automate your Payroll and deliver Payslips to all Staff

Who Can Use Remita Portal? – Guide

  1. Individuals to manage their personal finances
  2. Public and private sector organisations of any size, structure and complexity.

What does it Cost to Use Remita? Pricing of Remita Services – Guide

Please find below our price chart to aid your understanding of all our charges (Prices are VAT exclusive).

Setup and Support Fees

  1. Registration Fees Free
  2. Integration Fees Free
  3. Monthly Fees Free
  4. Support Fees Free

Receive Funds

Receiving Funds from – 2% (Minimum of ₦100 and a Maximum of ₦2,500)

  1. All Bank Branches in Nigeria
  2. Debit & Credit Cards
  3. POS
  4. Mobile Money
  5. Wallets
  6. Your Website

A Single Collections Report Across All Channels.

Please note that when foreign cards are used, an additional 2%, charge is applicable.

Make Payments

  1. Salary Payments – ₦100 per Transaction
  2. Standing Order –  ₦100 per Transaction (Payer specifies a fixed amount)
  3. Direct Debit – ₦100 per Transaction (Biller uploads payable amount)
  4. Payment to Family and Friends – ₦100 per ₦1M (max. ₦5,000)
  5. Payment to Vendors and Others – ₦100 per ₦1M (max. ₦5,000)
  6. Payment to Remita Billers – Free

Payroll & HR Processing

  1. Employee Enrollment – ₦500 per employee (One-off)
  2. Salary Run – ₦250 per employee per month (Single Run)
  3. Performance Appraisal – ₦50 per employee per month
  4. Employee Self-service – ₦50 per employee per month
  5. Leave – ₦50 per employee per month
  6. Staff Claims – ₦50 per employee per month

Start Making Payments with Remita – Guide

Remita e-Payment module delivers payment instructions to accounts in any Commercial Bank, Microfinance Bank, Primary Mortgage Institution or Digital Wallet.

  1. Beyond Online Banking
  2. Sign into a SINGLE platform for access to all your bank accounts at once
  3. No need for multiple tokens
  4. Toggle between the profiles all your companies, Subsidiaries, Associations, your personal accounts etc. on the platform
  5. View balances of all your multiple bank accounts on a SINGLE screen
  6. Make payments from multiple accounts, and across multiple banks, in the same transaction
  7. Make payments to any Commercial Bank, Microfinance Bank and Digital Wallets
  8. Define online payment review and approval workflow to suit
  9. Role Based system access and Amount-Based Security
  10. Detailed and comprehensive transactions reports
  11. Processed over 15 Trillion naira on the platform to-date

Sign Up to access the above functions

Receive Funds Easily

Remita is a multi-channel funds collection platform that supports all types of Biller organizations. It can be used by educational institutions, insurance companies, e-commerce sites, utility companies, clubs and associations, religious organizations, Government agencies, Local and State Governments etc to collect various types of fees, charges and dues.

Remita presents you with a “Push” and a “Pull” model to receive funds. The Push model empowers you to push an e-Invoice to your payers to empower them to pay you easily electronically. The “Pull” model empowers your payers to either visit your website and click a “Remita-Pay-Now” button or select you as a beneficiary at Either way, they would be requested to complete a pre-defined form requesting for their details before proceeding to pay you easily electronically. Make it easy for customers and service users to pay you using any of the following channels:

  1. All Bank Branches in Nigeria;
  2. Online Banking site;
  3. Debit/Credit cards (Verve, Visa, MasterCard, UnionPay);
  4. Remita profile;
  5. POS;
  6. Direct Debit;
  7. Micro Finance Banks; and
  8. Digital Wallets.

Automate Your Payroll System – Guide

Suitable for organisation with 2-200,000 employees, Remita Payroll & HR is a powerful and comprehensive Payroll and Human Resource management solution. Remita Payroll & HR is based on our highly successful HumanManager solution that has revolutionized the Payroll and HR processes of several organizations, and has been a market leader for over 20 years!

Testimonials from Remita Users – Guide

  • At PEF, our staff felt very comfortable with Remita e-payments and were excited about the relief it introducedd to our routine operations. With Remita we truly breathed a sign of relief.
  • Discovering Remita has helped to satisfy our desire for efficiency in very simple manner. We are convinced that Remita is the perfet fit for schools like us and other small businesses that desire to optimize their payroll process
  • Deploying Remita for our payroll has been a masterstroke with its simplicity, efficiency and unique ability to work seamlessly with our operational processes. We woul definately recommend it.
  • To maintain our standard and quality as an internationL hotel with an eye for exellence, we searched for and got the best payroll solutions the market has to offer – Remita
  • Choosing Remita was an opportunity to improve our processes and sytems. Since then, it has aided in the streamline and optimization of our payroll and payment processes. Thanks to Remita for aiding in this endeavor.
  • At NCDMB, Remita has helped to drive unmatched efficiency and effectiveness in our payroll and payment operations. We are proud to be associated with Remita.
  • Remita has enabled us to automate our Payroll, while also making paymentss and remitting employee’s Taxes & Pension contributions with ease. Remita truly ticks the the right boxes for us.
  • Remita has revolutionized our payment system. It has transfered us several ahead. We are extremely pleased inpartnering wit Remita
  • Using Remita has reduced thhe times and error of our payroll runs, everyone in the company has felt its impact.

How does Remita Integration work? – Guide

Remita provides a standards-based REST interface which enables application developers to interact in a powerful, yet secure way with their Remita account. Developers may call the API directly over HTTPS using the language of their choice.

The purpose of this integration is to enable the corporate or merchant leverage on Remita’s diverse and seamless payment options to complete customers’ transactions in a handshake implementation known as Remita integration.

How to integrate Remita to  Your Website – Guide

Remita is easy to integrate into your website, portal or e-commerce store. Depending on the type of your website, select one of the available methods.

Download Remita Plugin. Check plugins for compatibility with your eCommerce or CMS store and download the appropriate one. Integration with a plugin is simple and doesn’t require any custom integration.

Use the integration specification to adapt Remita to your specific needs.

Remita Tools & Plugins – Guide

On this section you will find all of our free plugins for Remita integration.

These plugins allow you to integrate complete, ready-to-use shopping carts, CMS into your website at no extra cost, providing a simple and familiar way for your customers to shop from your website and make single-step, multi-item purchases.

  1. If your favorite shopping cart or CMS provider is absent from this list, we are always open to suggestions.
  2. Detailed Integration Specification
  3. You are required to create an HTML form which contains payment parameters.
  4. The Remita payment page is loaded on submitting the form from which a payment method can be chosen to complete the payment.
  5. When the payment type option is set in the request, the user is taken directly to the payment option of choice. If payment type is not set, the user is taken to the invoice page to select which payment option to use.

Split Payments on Remita – Guide

The corporate or merchant can also leverage on Remita’s diverse and seamless payment options to complete distributed transactions to multiple receiving accounts.


The payment request will be sent via the JSON POST as shown below. Remita will facilitate payment of the specified amounts through the indicated service types into the corresponding collecting accounts as applicable.

Generating Request Hash on Remita Developer

For security reasons you are required to hash your payment details with your API Key. Upon registration on Remita you will be given an API Key which should be kept secret. A valid payment request hash is generated by concatenating the following payment details and hashed using SHA512 algorithm and the assigned API Key: merchantId+serviceTypeId+orderId+amt+responseurl+api_key

Mandate Activation of Remita

Remita Direct Debit / Standing Order enables your customers to pay you from any bank. They are required to raise a mandate to present to you for authorization. The customer’s instruction(s) will become effective only after their mandates have been activated when you authorize them. They can either make single, one-time transactions or schedule recurrent payments as required. Your customers need to ensure that the designated paying accounts are always funded to cover the transactions accordingly.

  1. Standing Order Activation – SOACT
  2. Direct Debit Activation – DDACT

Direct Debit Processing on Remita – Guide

The payment request will be sent via the JSON POST as shown below. Remita will facilitate payment of the specified amounts through the indicated service types into the corresponding collecting accounts as applicable.

Generating Request Hash at Remita Developer Portal – Guide

For security reasons you are required to hash your payment details with your API Key. Upon registration on Remita you will be given an API Key which should be kept secret. A valid payment request hash is generated by concatenating the following payment details and hashed using SHA512 algorithm and the assigned API Key: merchantId+serviceTypeId+requestId+responseurl+api_key

Mandate Status

Basically report views of transactions tied to a particular MandateID and Inactive, Active or Stopped as well as the respective status dates.

Generating Request Hash for Mandate Status

For security reasons you are required to hash your payment details with your API Key. Upon registration on Remita you will be given an API Key which should be kept secret. A valid payment request hash is generated by concatenating the following payment details and hashed using SHA512 algorithm and the assigned API Key: requestId+api_key+merchantId

Response Processing

There are two types of responses that the user can get using the system: 

  1. Instant Response: This is gotten when the user is paying using REMITA_PAY, or any of the other card options. Responses are immediately returned to the merchant response url passed in with the request.
  2. Batched Response: For transacting consummated via Bank Branch, POS or bank internet, you would not get a response until the transaction is completed. Here, feedback is posted to the Payment Notification Url configured at the collection rule setup.

Remita Transaction Codes – Guide

Status Description

  • 00 – Transaction Completed Successfully
  • 01 – Transaction Approved
  • 02 – Transaction Failed
  • 012 – User Aborted Transaction
  • 020 – Invalid User Authentication
  • 021 – Transaction Pending
  • 022 – Invalid Request
  • 023 – Service Type or Merchant Does not Exist
  • 025 – Payment Reference Generated
  • 029 – Invalid Bank Code
  • 030 – Insufficient Balance
  • 031 – No Funding Account
  • 032 – Invalid Date Format
  • 040 – Initial Request OK
  • 999 – Unknown Error

Remita e-Collection User Acceptance Test (UAT) – Guide

  1. You must have the Remita logo on your site to differentiate our payment services from any other ones you might have.
  2. Is the customer aware of the total amount he/she will be debited of before loading the payment page? Always inform the customer duly.
  3. Are customers on your website registered? If no, then you need to communicate their transaction reference number to them before they make payment so that they will have a reference value in case they have issues with their transactions. You should send a mail, text or you could print these details for them on the website with an eye-catching prompt to notify them.
  4. When the payment page loads up, confirm that the amount displayed is correct.
  5. After a transaction had been processed, certain information needs to be displayed to the customer. They include the following;
  6. The transaction reference number which you sent to Remita for that transaction.
  7. The payment reference which is generated and returned by Remita.
  8. There are various response codes that can be returned by Remita along with their different descriptions. The objective here is to ensure that the customer gets the same description as sent by Remita. The website should NEVER customize Remita responses displayed to the customer.
  9. It is expected that you have a log of all transaction attempts on your website. When transaction IDs are generated, you are to log the transaction on that table and update when the responses returned. That way, you will be able to determine transactions status. For transactions that were described as pending, you need to have the means of confirming their status on Remita. You are to use the Remita Transaction Status query to do that.
  10. It is expected you have a Payment Notification Listener URL, which will receive Payment Notifications sent by Remita. The URL will be configured on your Remita profile.
  11. After you have successfully integrated Remita to your website, you should run through the test cases in the UAT document, complete the check-list. The goal of this exercise is assist you to verify that all test cases are working before requesting for User Acceptance Test (UAT).

Remita Address – Contact Remita Physical Address – Guide

Address: 4th-8th Floor, 136 Lewis Street, Lagos, Nigeria.

Phone: 234 (1)2805182, (0)8035555051-2


Support Email:

Links in Remita Website

  • Remita – Receiving & Making Payments
  • Payments To Remita Billers
  • Sign Up To Receive Payments
  • Login to Remita website
  • Payments To Billers & Collectors
  • Resend Receipt/Invoice

Remita strives to respond to all our clients’s enquiries made through email or phone not later than 48 hours from time of receipt.

Who owns – Guide is an online payment platform that is used by a large number of Nigerians who send money between companies or individuals. Among its users are a lot of state structures and educational institutions. This project is one of most demanded in Nigeria when compared with other similar services. Popularity peak was in 2016. Because of this, many people wanted to know who owns Remita. Guide

This is not a secret now. Remita is part of the SystemSpecs Company, the foundation of which occurred in 1991. Since then the organization has captured not only Nigerian but also African market as a whole, offering services on electronic payments, financial transactions, management of human resources.

Christopher Kolade – the Chairman

Of course, it is better to start from the Chairman of the board of directors.

  • Previously, he held the rank of High Commissioner in the UK.
  • The ability of this person to interact with the public, to disseminate information is simply amazing. He is known as a very honest and professional businessman.
  • For up to 45 years Kolade worked as the general director of the Broadcasting Commission. After that became a major administrator of Cadbury Nigeria Plc.
  • This man is one of those credited for the creation of Lagos Business School, as well as the Pan African University. He periodically visits to give lectures on leadership and business. Kolade left his trace in many other educational institutions like the Association of Christian Communications.
  • He successfully fulfilled his duties as leader of Nigerian, international organizations, increased business unity of the state.
Ch. KoladeChristopher Kolade – the Chairman

John Obaro – Managing Director

Obaro began activity of SystemSpecs more than 20 years ago and exerted enormous efforts to lead the project to its current state. At that time, he had already achieved significant success in his work in the banking sector. Many people were shocked by the fact that in 1992 he refused to work in a prestigious and secured company but decided to start his own project. At that time, IMB was one of the leading Nigerian banks. It was believed that it’s not reasonable to leave there.

The entrepreneur had the courage to go his own way. First, SystemSpecs performed the functions of a partner in the British company Systems Union, offering software products for accounting. Over time, Obaro gained more confidence, making his project the most demanded software company in Nigeria which is focused on needs of local population. More than 150 Nigerian specialists of various professions worked together for the benefit of this firm.

John ObaroJohn Obaro – Managing Director

Mr. Emmanuel Ocholi

This is another director of the company. He has quite a rich experience in the banking, brokerage, and economic industry. He worked in these areas for more than 30 years. This is a professional with an irreproachable reputation and a lot of achievements.

After studying at the university he quickly developed his career. Between 1976 and 1986 he worked at NAL Merchant Bank. Then he took up the post of vice-chairman at Rims Merchant Bank where he stayed between 1988-1994.

Several large companies invited him to the Council. His unique experience was incredibly useful during his work with insurance, manufacturing, telecommunication organizations.

Until 2010, Ocholi worked for Stock Exchange. He also played an important role in activities of Bank of Industry, as well as the Technical Working Group on Vision. Ocholi has a pretty fascinating life, appearing at international seminars as well as at local courses.

Emmanuel OcholiMr. Emmanuel Ocholi

Dr. Ernest Ndukwe

The experience of this Electronics Engineer in the telecommunications industry has spanned more than 37 years. Between 2000-2010, he was an executive director of the Nigeria Communications Commission where he put in considerable efforts to make matters in this area more transparent. Telecommunications obtained a more liberal feature and ignificant investments were made in this sector.

Ndukwe is a member of the Administrative Council of the African Telecommunications Union and chairman of the Telecom Regulators Association of West Africa (he became the head of this organization).

This person was the face of Nigeria at a variety of important events. He constantly appears at international and local conferences, and has colossal experience in regulating telecommunications systems. Ernest Ndukwe is a member of the board of directors of several large enterprises.

Ernest NdukweDr. Ernest Ndukwe

Dr. Daremi Atanda

This man is the perfect example of the fact that career success does not always depend on the availability of higher education. Although Daremi is considered a true IT genius, he does not have a university degree in this field. Pure curiosity became the reason why he began to study the concept. As a result, he became one of the largest activists in the Nigerian IT space.

At the moment, he is a very important strategic player of the SystemSpecs team, working in the areas of marketing and business. His experience is quite impressive. Atanda led large local projects on electronic payments and IT. He worked with foreign and national consultants and organizations. His contribution to the work of the World Bank is very important. Thanks to this man’s initiative, improvements in the federal system took place and a mechanism for accounting staff and wages was developed. This project began in 2006 and lasted six months.

Daremi Atanda

Dr. Daremi Atanda

Dr. Emmanuel Eze

Eze joined the company in 2001 and took up a position of Senior Systems Executive. His main responsibility was to develop software that runs on a web basis.

In 2003, Eze decided to strengthen his technological and research knowledge. He went to the UK to achieve a Ph.D. in computer technology at the University of Hall.

Emmanuel Eze

Dr. Emmanuel Eze

After 4 years he returned to SystemSpecs and became the Chief Technology Officer responsible for many important technical issues. Now he and his unit are developing software and technologies that promote the distribution of the organization’s products.

There are also many other talented people who are the management staff of this organisation. As you can see, the real owner of Remita is a team of talented and hardworking people, who are good at what they do. These professionals created a revolution in online payment and built a successful company.

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