Customer & Agent Guide · v1

Tier 2 Upgrade Guide

A simple, screen-by-screen walkthrough of moving a ThynkPay wallet up to Tier 2 — a higher daily limit and a bigger balance, verified in the app in about two minutes.

🔒 Secured by Providus Bank · CBN-licensed

What's inside

Six screens, grouped into three easy phases.

  1. Start the upgradeWallet · Raise your limit
  2. Verify your identityNIN · Address · Photo
  3. Confirm & donePIN · You're Tier 2
  4. Key things to rememberFor everyone
The steps
🔼 Tier 2 Upgrade Guide

Raise your limit to Tier 2

A simple, screen-by-screen walkthrough of the upgrade — from ₦50,000 a day to ₦200,000, verified right in the app. Follow it, teach it, share it.

6screens
3easy phases
~2minutes
For field agentsFor merchantsFor customers

The whole journey at a glance

Start→ 1 NIN→ 2 Address→ 3 Photo→ 4 Confirm→ Tier 2 🎉
Phase 1

Start the upgrade

🔼
Raise your daily limit
You're on Tier 1. Add a couple of details to move up to Tier 2 and send more each day.
  • Your NIN (11 digits)
  • Your home address
  • A quick passport photo
Get started
◆ Start here

Tap "Raise your daily limit"

Open the Wallet tab. Under your limits you'll see a green "Raise your daily limit" card — that's the entry point to the whole upgrade.

  • Go to the Wallet tab.
  • Tap Raise your daily limit.
  • Tap Get started.
Tip: It's a quick, guided flow — one thing per screen, exactly like signing up. It takes about two minutes.
Phase 2

Verify your identity

Enter your NIN
Your 11-digit National Identification Number.
Your NIN is a second proof of identity that Tier 2 requires. We store it securely and never share it.
1234 5678 901
Continue
1 Step 1 · NIN

Enter your NIN

Type your 11-digit National Identification Number. It's a second ID on top of the BVN you already gave at sign-up.

  • Type your 11-digit NIN.
  • Tap Continue.
Tip: Don't know your NIN? Dial *346# on your registered phone line to retrieve it.
Your home address
Where you live. The last detail we need.
Street address
City / town
State
Continue
2 Step 2 · Address

Add your home address

Enter your current residential address — street, city and state. It becomes part of your Tier 2 record.

  • Fill in street, city and state.
  • Tap Continue.
Tip: Use the address where you actually live — it should match any proof of address you provide for Tier 3 later.
Take your passport photo
Face the camera in good light, with your whole face in the frame.
Capture
3 Step 3 · Photo

Take your passport photo

Your front camera opens. Line your face up inside the frame and tap Capture — check it, then use it or retake.

  • Face the camera in good light.
  • Tap Capture.
  • Tap Use this photo — or Retake.
Required for Tier 2 (CBN rule). It's taken live and stored securely — used only to verify it's really you, never shared.
Phase 3

Confirm & done

Confirm your upgrade
Check your details, then enter your PIN to authorise.
NIN••• ••• 5821
AddressVictoria Island, Lagos
Passport photoCaptured ✓
Enter your PIN to confirm
4 Step 4 · Confirm

Confirm with your PIN

Review your NIN, address and photo, then enter your 6-digit PIN. That authorises the upgrade — nothing changes without it.

  • Check NIN, address and photo.
  • Enter your 6-digit PIN.
Important: It's the same PIN you use for payments. ThynkPay will never ask for it outside the app.
🎉
You're Tier 2
Your identity is verified and your daily limit has been raised.
🥈 Tier 2
Your new limits
₦200,000 / day
Max balance ₦500,000
Back to wallet
✓ Done · Tier 2

You're upgraded 🎉

Your limit is raised instantly. Your Wallet now shows the new Tier 2 limits — no waiting, no review.

  • Daily limit is now ₦200,000.
  • Max balance is now ₦500,000.
  • Tap Back to wallet to carry on.
Want even more? Tier 3 (₦5,000,000/day) adds a utility bill and address verification — coming soon.

Key things to remember

The points every agent should be able to explain in their own words.

🔼
Tier 1 → Tier 2

Tier 1 is ₦50,000/day & ₦300,000 balance. Tier 2 lifts that to ₦200,000/day & ₦500,000 balance.

🪪
Three things needed

You already gave your BVN at sign-up. Tier 2 adds your NIN, address and a passport photo.

📸
The photo is taken live

Snap it with the front camera in good light. It's stored securely and used only to verify identity.

⚡
Instant & in-app

No forms, no branch visit, no waiting for review. The higher limit applies the moment you confirm with your PIN.

🔒
Your PIN authorises it

Every upgrade needs your 6-digit PIN — the same one you use for payments. Never share it with anyone.

🏦
Regulator-aligned

Limits follow the CBN's tiered KYC framework. Higher limits require stronger identity checks — that protects you.

Share it with your team

Print this as a handout, send the link to a new agent, or keep it open while helping a merchant upgrade. Everything here mirrors the live app.

Tier 2 Upgrade Guide 🔒 Secured by Providus Bank · CBN-licensed