JumiaPay – Secure and Convenient Payment Solution for Online Shopping

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Jumia is, unarguably, the biggest online e-commerce shopping platform in the whole of Africa. And it doesn’t seem the company is ready to vacate that spot for any new or old rival or competition.

Ever since the company’s inception (as AIG — Africa Internet Group) in Lagos, Nigeria in 2012, Jumia has achieved a quite a lot: expanded operations to over 23 countries in Africa, has over 3,000 workers on its payroll, and have birthed many news services — the Jumia Flex gadget installment payment plan being the latest.

One of the company’s product that has also led to the significant growth of the company is the JumiaPay payment initiative. When Jumia started off, one of the major challenges faced by the company was that of payments.

Sometime in 2016, before JumiaPay was introduced, statistics had it that more than 70 to 90 percentage of orders made on Jumia were paid for via “Pay on Delivery”. And this could be partly attributed to the reluctance of users to adopt online payment. Or perhaps the stress and hassles that comes with it.

This was why Jumia introduced the JumiaPay payment initiative in 2016.

What is JumiaPay?

JumiaPay is a third-party online payment solution that the company assures will provide a safer, faster and more convenient online payment experience for it’s users.


Before JumiaPay, users had to use other payment platform to make payments for items purchased. While some of the transactions goes through smoothly, some do come with their respective hiccups.

Say an item you ordered for wasn’t delivered, getting a refund would take days or even weeks. JumiaPay works with banks to provide a more secure option of payments where you get reimbursed instantly if anything goes wrong with your order — late arrival, damaged order, order doesn’t match website description etc.

With JUMIAPAY, Jumia holds your money in escrow for you until the delivery of your order.

In addition, ease of usage and transaction is also pretty easy as all you are required to provide for payment is your JumiaPay email address, password and a verification code sent to your mobile. This eliminates the stress of having to enter your card details for every payment you wish to make.

How does JumiaPay Works?


JumiaPay is available to all users of Jumia at checkout. Once you have made an order and want to proceed to checkout items in your cart, look out for the JumiaPay payment option and click on it. If you are a first time user of JumiaPay, you will be required to register before you can proceed to use the services.

Registration is also pretty easy as all that is required is your Nigeria Uniform Bank Account Number (NUBAN) and a verification code sent to you via text by your Bank. You will also be required to supply an email address and a new password unique to your JumiaPay account. And that’s it, a simple one-time set-up.

Upon successful registration, you will be redirected to the checkout page. Click on JumiaPay as your payment option and login with your Jumia Pay email address and password.

Select the bank account you want the payment deducted from and a unique one-time password will be sent to your mobile by your Bank to complete the transaction. As simple, fast, secure and convenient as it comes.

According to Jumia, it is following in the footsteps of Chinese e-commerce Giants, Alibaba, to help improve cuatomers’ online shopping experience. Alibaba also runs its native secure mobile payment platform called AliPay.

Jumia assures users of Jumia Pay 100% safety of their data and transaction as it boasts of an experienced anti-fraud team and top-of-the-line security measures.

JumiaPay for Businesses

Interestingly, Jumia Pay was also created for small and big businesses looking to offer flexible payment plans to their customers. Jumia Pay offers a wide range of local Nigerian payment system (Credit cards, debits cards, and direct debit from bank account) to customers.

Other notable perks of using Jumia Pay for your business include transparent and affordable price plans, easy one-step integration process and daily payouts.

Take the first step, shop at Jumia today, Click Here.

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Paschal Okafor is NaijaTechGuide Team Lead. The article JumiaPay – Secure and Convenient Payment Solution for Online Shopping was written by Olanrewaju Sodiq. The article was last modified: February 20th, 2021
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