This may be due to a number of reasons:

  • You may have insufficient funds in your account. Please ensure you have at least NGN100 in the account linked to the card for setup to be successful
  • You haven't activated your card for online transactions. For card activation instructions, please click HERE or contact your bank
  • Details entered may be incorrect: please check the card number, expiry date and CVV provided to be sure all information is valid
  • You are attempting to set up a card already in use by another Aposhashamura customer

If you are still having issues with setup, please send us a message and we'll be happy to assist.