Phone: +234 909 9000 901
Mon-Fri: 8am – 5pm

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How It Works

Step 1

  1.  Click here to Sign Up
  2. After signing up, A verification email with the title ” Sign up to pay with specta “. Will be sent to you. Kindly click Activate Account.
  3. Log in with your email and password.
  4. Click the “Get Spending Limit” button and fill in all the required information.

Step 2

  1. Review your bank statement cash flow by inputting the account number of your most active account. Please note that it does not have to be a salary account.
  2.  Click “Request Account statement to receive a Ticket ID and password which would be sent to your registered email or phone number.
  3. Please note GTB and Zenith Bank users cannot generate this ticket ID automatically. Click Here to View the process for these respective banks
  4. Input the ticket number(please include Hyphen) and Password Received and click continue
  5. Congratulations, you can now Pay installment on any purchase.

Step 3

  1. Click on the “My Profile” Tab to view your Specta ID. If your Specta ID is not displayed, Card Tokenization in Phase 2 is not complete please click “Get spending Limit” To Tokenize your card
  2. Use the Specta ID to complete Purchases on our website:
  3. If the product amount is higher than the spending Limit, A Gateway Payment link would be sent to your email, To make the balance Payment
  4. You can start shopping now and spread payments over 12 installments.


Paywithspectra Registration Form