Activating Your Account
Welcome to Credo 💃 — Let’s Get You Set Up!
Let’s dive in!
Step 1: Log in to Your Credo Account
Start by heading to 👉 www.credocentral.com
Click Sign In
Enter your email and password
Hit Log In and you’re in!
💡 If you don’t have an account yet, just click “Create Account” to sign up quickly!
Step 2: Select Business Type
You’ll be prompted to choose between:
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Starter Business – For freelancers, side hustlers, and small businesses not yet officially registered.
⚠️ You can start accepting payments right away, but there’s a ₦2,000,000 transaction cap until you upgrade to a registered business. -
Registered Business – For officially registered entities (Private Ltd, Public Ltd, NPOs, Government, etc.) with no limit on transactions.
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💡 Don’t worry. Whatever you choose, you can always update or upgrade later as your business grows!
💡 This choice determines the steps and documents required.
Step 3: Fill in Your Information
🔹 For Starter Business
We’ll just need a few details to get you going:
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Your full name
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BVN (Bank Verification Number)
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Phone number and email address
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Valid ID (NIN, Voter’s Card, Driver’s License, or International Passport)
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Proof of address (utility bill, bank statement, rent receipt, or NIN slip)
🔹 For Registered Business
We’ll ask for a bit more info to verify your business:
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Business Name
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Business Number (BN)
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Tax Identification Number (TIN. If you don’t have this yet, no problem! You have a 30-day grace period.
Business Description
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Business Email
Step 4: Address Verification
For both business types, To make sure everything’s legit, we’ll need a document that confirms your address. You can either select it from a dropdown or type it in manually.
💡 Upload a proof of address -not older than 3 months ( Utility Bill, Cable TV Bill, Bank Statement, Tax Assessment etc)
Step 5: Provide Business Documents (Registered Businesses Only)
Here’s where you’ll upload your official documents based on your business type. This helps us meet regulatory requirements and keep the platform secure for everyone.
📎 Don’t worry, we’ve made it as straightforward as possible.
Step 6: Add Business Representative Information
We’ll need to know who’s authorized to act on behalf of your business.
Step 7: Add Account Information
This is where we’ll send your money 💶
💡For Starter Business: Use your personal bank account
💡For Registered Business: Use your business/corporate account
Step 8: Set Transaction Preferences
Almost there😊! You’ll:
Estimate how much you plan to process yearly
Decide if you want to pass Credo’s fees on to your customers
Agree to our Payment Service Agreement
Step 9: Review & Submit
We’ll show you a summary of everything you’ve entered. Give it a quick once-over, then hit Complete Application.
You’re done! 🎉 Your account will be reviewed and typically approved within 24 hours 😊. If anything’s missing, we’ll reach out to help you fix it.
Required Documentation
| Business Type | What You’ll Need |
Starter | - Valid ID - Proof of address - BVN - Personal bank account |
Registered Business | -CAC Certificate, Status Report - TIN/Tax Certificate- Valid ID & photo of business representative - Proof of address - Personal info & bank details |
Private Limited Liability Company | - CAC Incorporation, CAC-2, CAC-7 - Memorandum & Articles of Association - Business license (if applicable) - Director IDs - Proof of address - TIN/Tax Cert |
Public Limited Company (PLC) | - CAC Incorporation, CAC-2, CAC-7 - Memorandum & Articles - Director IDs - Resident permit (if foreign) - Proof of address - TIN/Tax Cert |
Non-Profit Organization (NPO) | - CAC Registration, Constitution, Status Report - SCUML Certificate or email proof - Trustee IDs - Proof of address - Residence permit (if foreign) |
Government Entity | Utility bill (proof of address) - Mandate Letter - CAC documents (only if third-party registering) |
What's Next After Setup?
💳 View and manage your transactions
🤑 Track your settlements and payouts
🖥️ Request or activate a PocketMoni POS terminal
🔗 Create and share payment links
🧾 Send invoices to your clients
👥 Manage your customer list
👨👩👧👦 Explore pension services for your team
FAQs
How long before I get activated?
Verification of documents uploaded commences immediately you submit and your account would be activated within 24 hours to 48 hours.
What next after activation?
Once your account is activated, you can start transacting! Whether you're receiving payments for goods, services, or subscriptions, Credo ensures that your payment processing is smooth and secure. Our mission is to help you receive payments easily and quickly, without any hassle.
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