How to Pay?

Your different payment options

Mobile Money

Pay with Mobile Money

  • Easy and safe payment
  • Fast and direct from your Mobile Money account
  • No cash required


Jumia Pay

Pay via card or bank transfer

  • Pay securely with a local bank card / bank transfer today
  • Save your details for your next purchases


Pay on Delivery

Pay cash at your doorstep

  • No risk to you, shop from home like you are in a store
  • Pay and collect
  • Only cash is acceptable


How to select payment options during checkout

During the payment step, you can choose between "JumiaPay", " Pay on Delivery" and " Mobile Money" from the menu on the left to either proceed with pay on delivery or pay with credit card.

It's Simple, It's Easy and It's Safe.

Shop Now >

Most Popular Questions

You can choose from the different payment methods available on Jumia. Please find below the list of available payment methods:

You can find details of these payment methods at the final step of checkout.

JumiaPay on delivery is an easy, quick method of payment that allows you to pay by card, mobile money, or bank transfer at the time of delivery, instead of cash.

You simply have to follow the steps below:

  • Ask our delivery/PUS agent to use JumiaPay to pay for your package
  • The agent will share a QR code with you. Scan it to be redirected to the JumiaPay checkout platform. Alternatively, the agent may send you the link to the checkout page via SMS
  • Once on the JumiaPay platform, you may either login with your Jumia account, or opt to pay as a guest. If you choose to login, you will be prompted to receive an OTP via SMS/email before proceeding to the checkout
  • Please follow the payment steps as indicated
  • Once the payment is completed, the delivery/PUS agent will receive a confirmation message and will hand you your package

You can find details of these payment methods at the final step of checkout.

On rare occasions, your payment may not be successful. Please ensure you input the correct payment information (card number, expiry date, CVV), and that you have sufficient funds in your card/account. Also, network and connectivity issues with your issuing bank may lead to payment failure.

Your bank may also send you a verification code (OTP) via SMS, so kindly ensure you have access to your phone at the time of completing the transaction. A transaction on the payment platform is valid for a limited period of time, so kindly ensure you complete it before it times out. Should you require additional assistance, please contact us

Yes, you may pay for all packages being delivered by the same agent in one instance, using JumiaPay on Delivery.

You will be refunded through the same payment method, which means that orders paid via card will be refunded back to your bank account, whereas orders paid by Mobile money will be refunded back to your Mobile money account.

Yes, the person receiving the package may scan the QR code shown by the delivery/PUS agent. Alternatively, the agent can send the link to the JumiaPay checkout platform to the person who will pay for the order.

Once you confirm that your identity has been stolen, immediately contact your bank and request to have your account blocked or closed to prevent further transactions.

Always cover your keypad/paperwork when filling personal details in public.

Use your body to prevent the person behind you from seeing your debit/credit card pin at the point of using the ATM.

Regularly check your statement of account to confirm if there are any records of strange or suspicious activities.

Change your password if in doubt that it has been compromised.

Give a strong password to your WiFi and make sure it is changed from time to time. Also, switch off the wireless device when not in use.

Avoid free downloads and email attachments from unknown sites/persons. To avoid being a victim, install a software solution that runs a quick scan before you download any file.

Personal information can be retrieved from trash cans if not well disposed. Always ensure disposed paper works or documents are well shredded.

For device security always use a PIN lock to secure your phone/device as it is safer than pattern lock.

PoD stands for Pay on Delivery. With PoD, you can only pay in cash to the delivery agent upon receipt of your order. Click here for more details.


At the end of the checkout choose Credit / Debit Card as your preferred payment option and follow the steps after confirming your purchase. Make sure that your bank activated your Credit Card for online payments. Please note that Jumia provides the utmost security on your payments. Click here to find out more

It's simple! When you get to the payment stage at checkout, simply enter the gift card code in the voucher box and click apply.

JumiaPay is a new and free online payment service that enables you to send payments online securely, instantly, and cost-effectively. Click here to find more about paying with JumiaPay.

The Jumia mobile app and mobile website offer all the payment options that the Jumia full website version offers. You can pay with confidence, using your preferred payment option.

There are no hidden charges when you make a purchase on Jumia. The order amount is inclusive of all taxes and shipping fees. In case your order is delivered partially you will be required to pay only for the item that has been delivered to you. The order amount will be mentioned on the parcel and the invoice. Please note that we will never ask you to pay extra cash for the delivery.

Note: For International Payment via Credit / Debit card you may be charged a cross border fee by your issuing bank as our payment processor is based outside Nigeria. For information on the exact charges please contact your issuing bank.

Fraud detection and prevention are very important to us. We take all steps to ensure that transactions are genuine and that our customer's details are completely secure. Online payments are monitored continuously for suspicious activity and some transactions are verified manually if we feel that it is not authorized by the owner of the card.

If you experience trouble completing payment through debit/credit card, first thing to do is to make sure that your card is activated for online payments and that you have enough funds/limit to complete the transaction. Your bank can help you verify these details.

Some cards issued outside Nigeria are also not supported on Jumia and may be declined. Remember that you can complete your order through Pay on Delivery and pay at your doorstep or through other available mode(s) of payment (except for some very specific regions and pickup stations, as well as for products shipped from oversea).

Sorry, we only accept one payment method per order.

With JumiaFlex, you have the option of installment payment. For further information, please call customer service on 0700 600 0000 / 01 2778 900 or via our contact form.

We only accept Ghana Cedis.

If your Gift Card value is less than the order amount, you will be asked to select an additional payment method to complete the payment.

The 3D Secure password is implemented by VISA and MasterCard in partnership with card issuing banks under the Verified by VISA" and Mastercard SecurePoDe" services.

3D secure password is an additional one-time password, that you will be asked to enter on the payments page. This password is known only to you, and is sent to you via email or text. This ensures that only you can use your card for online purchases.

When paying with Debit / Credit card on Jumia, we will ask you for your 16 digit Card number and expiry date and CVV (Card Verification Value)/Security PoDe. Please note that Jumia doesn't save your card information(unless you specify) or CVV information and you will be asked to enter it each time you purchase on Jumia.

Pay on Delivery Unavailable

It could be that:

  • You have in your cart a "shipped by overseas (see the "Jumia Global" logo)" item or a digital product (ex: ticket, coupons).
  • Your total cart value is over GH¢2,000.
  • Your delivery option (Location or Pickup Station) is not eligible for Pay On Delivery.
  • Pay on Delivery is currently disabled on your account.

Our system has flagged your account as being associated with an unusual number of cancelled / rejected orders and for this reason, the Pay on Delivery option is currently disabled on your account.

Pay on delivery will be activated on your account when we are able to successfully deliver your next two prepaid orders.

Please contact us on 030 274 0630 / 030 274 0641 from 8:30 am - 5:30 pm on Mondays to Fridays.

Payment Security Tips

Phishing is a form of fraud in which an attacker (fraudsters) pretends to represent a reputable company or person in an email.

This is usually done by including a link that supposedly takes you to the company’s website where you are asked to fill in your bank or ATM card information – but the website is a clever fake and the information you provide goes straight to the fraudsters behind the scam.

The message could come as a threat from an unknown source, telling you via mail or sms that your account will be blocked if you do not contact a certain number or respond to their mail. Kindly ignore these messages as these are known tactics for scammers.

Many times emails from scammers lack personalization. For example, "Dear Customer" this is not an identifier. The fraudsters pretend to know you when actually they do not. Kindly disregard such mails to avoid being a victim

If you see a link in a suspicious email message, don't click on it. Take your mouse (but don't click) to the link to see if the address matches the link that was typed in the message. This is to confirm if the link relates to the message you may have received

Always confirm that the inquiry is from a trusted mailing address. Most companies will not send you an email asking for passwords, credit card information, one time password (OTP), credit balance, nor will they send you a link from which you need to login and input sensitive information.

Unneccessary emails that contain attachments is another way scammers operate. Typically, authentic institutions don’t randomly send you emails with attachments, but instead direct you to download documents or files on their own website

Many times a fraudster can be recognized like this. An email from a legit company is well written before it is sent out to its users. If you notice several mistakes in an email, it might be a scam.

Hello! My name is Mr X calling from your bank. I want to infom you that your BVN has been blocked. To unblock your account, we need the following informations: Your card number, CVV number, Card Pin etc.

This is the typical SMS we sometimes receive from fraudsters posing to be our banks. Also note that some calls from fraudsters take similar patterns.

Don't Share your ATM card details (all the digits on your card), bank details or ATM/Internet banking PIN (Personal Identification Number) with a third party.

Contact your bank immediately to verify from your bank if you are in doubt.

If you are contacted to forward an OTP (One Time Password) sent to you, Please DON'T banks never call asking for your PIN or OTP details.

In a case where your device (Phones, tablets, laptops) is stolen, ensure these anti fraud activities are done.

What To Do:

  • Ensure your mobile phone and Sim card is passworded with codes at all times.
  • Ensure you contact your network provider to disable your line immediately, pending when you retrieve it.
  • Ensure you contact your bank immediately to suspend all online transactions from your account.
  • Ensure you don't save your bank details or card details on your device.
  • Ensure you always delete all transaction mails or SMS(bank alert) from your bank on your device.

Extra Anti Fraud Tips:

  • Don’t jailbreak your phone. Jailbreaking is the process of removing hardware restrictions and thus allowing free apps.
  • You may want to limit debit card usage at PoS machines (except from a trusted source) and use it only as an ATM card for cash withdrawal.
  • You may rub off the CVV number to be extra careful. But do remember it, so that you can continue using the card.
  • Use computers that have anti-virus software.
  • Don’t share passwords, PINs and OTPs with anyone regardless of the reason stated.