SwiftXpress Payment Methods

💳 Debit & Credit Cards

We accept all major Nigerian debit and credit cards, including:

• Visa
• MasterCard
• Verve

You can pay instantly during checkout using your card details. All payments are processed securely through trusted payment gateways, ensuring your information is always protected.

🏦 Bank Transfer

Prefer paying directly from your bank? No problem! Select “Bank Transfer” at checkout to get our secure account details. After payment, upload your transfer receipt or confirmation slip — your order will be processed once we verify your payment.

💰 SwiftXpress Wallet

The SwiftXpress Wallet is a fast and convenient way to pay. You can:

• Add funds to your wallet anytime.
• Use it to shop without re-entering card details.
• Get instant refunds from returns directly into your wallet.

To activate your wallet, log in to your SwiftXpress account and go to “My Wallet.”

🚚 Pay on Delivery (POD)

We offer Pay on Delivery in select cities. This allows you to inspect your order before making payment.

🎁 Gift Cards & Vouchers

You can pay with a SwiftXpress Gift Card or Voucher if you have one. Simply enter your gift code at checkout — the balance will be applied automatically to your order total.

🔒 Payment Security

Your security is our top priority. All payments on SwiftXpress are processed through encrypted and PCI-DSS compliant systems. We never share or store your card details. Every transaction is verified through 3D Secure authentication (OTP verification).

💵 Refunds for Payments

If your order is canceled or returned, your refund will be processed through the same payment method you used:

• Card or Wallet: Within 3–7 business days.
• Bank Transfer: Within 3–5 business days after verification.
• Pay on Delivery: Refunds are made to your SwiftXpress Wallet or bank account.

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