General News
Verve Carters for Card Needs of Nigerians – Ifedi

Charles Ifedi is the managing director of Verve International an offshoot of InterSwitch. He is a thorough breed information Technology professional with over 15 year experience in the industry.
Ifedi has worked for America Express, Accenture, Pricewaterhouse Coopers and SystemSpecs before joining InterSwitch in 2001.
He spoke to chike onwuegbuchi on operations of Verve International towards becoming a global brand and other e-payment issues.
Nigeria’s e-Payment Space
e-Payment in Nigeria has improved considerably over the years. Flashing back to the time we introduced e-payment that is point of sales terminal (PoS) in Nigeria in 2004.
The biggest challenges then were based on merchants’ acceptance and networks. Presently, with the Central Bank of Nigeria (CBN’s) cashless policy, people are now embracing the platform; merchants are now more enlightened.
In 2007 and 2008, we were basically selling the idea of PoS adoption for the economy. But in 2013, people are spreading the news themselves.
Even the telecommunication companies have mapped out resources that will make it better. More importantly, the Code Division Multiple Access (CDMA) operators have also come in making it possible for us to have data on PoS and increasing stability.
Although, we have not gotten there, but, compared to where we were back in 2004, Nigeria as a country has recorded significant improvements.
Soon we will get to the point where people on reaching to a merchant’s centre the first thing they will think is card not cash.
On estimation, presently 60% of customers who patronize merchants still think cash; but we foresee the time people can remember cash only when they do not have cards on them.
Adoption of Foreign Brands by Companies
I believe in value to the bank and value to the customer. Where I have an issue is a situation where a customer asks for a particular brand and you decline to present that brand.
However, as more brands deliver expected values, they shall continue to be accepted by the banks and expands customers’ choice.
Meanwhile, it is the prerogative of the regulator which is CBN to determine who contravene its directive on providing customers the opportunity to choose.
But if the deployment companies keep pushing more values into the market, like we are currently doing, the banks would not have option than to accept.
Also, from the banks’ point of view, they would prefer to increase their international visibility or rating.
They believe that one way to achieve that is to partner a particular global brand; they rarely talk about value to the customer hence they have to deliver on that goal.
Good as that may be I think banks should open it and allow customers to choose. They have to create more values to customers.
At the same time, if a particular bank fails to satisfy the customer’s wish he is free to seek other bank’s attention. That is the essence of competition.
I do not believe it is ideal. But the CBN is in the best position to enforce its directive. For emphasis sake, when a customer is not satisfied with the system of a bank, he is free to approach other bank.
To me, I prefer to focus on delivering values and allow CBN worry about that. It is as good as asking a bank for a loan.
When you discover a particular bank offers loans with little interest, of course, it makes better sense to approach them. Nobody will force you to take a loan at interest rate not convenient for you.
International Outlook of Verve
For us, our foremost target is to meet the needs of Nigerians. And Verve had two divisions-Verve Nigeria and Verve International.
The Verve Nigeria is concentrated on meeting the local needs of Nigerians. If we look at it, what is the percentage of Nigerians that travel abroad? We have less than 20%. In other words, the rest 80% Nigerians does not go anywhere.
Thus, our primary objective is to meet their needs; meet all they require. For the numbers that travel, we have various projects on-going targeted at them.
For instance, we want to make sure that our cards are accepted in all ATMs in US, UK and across Africa. However, until we get there we are not communicating more than we have.
We are not following way of companies that broadcast about what they are yet to achieve. When customers try it they get disappointed.
For instance, we are going to be live on all ATMs in US soonest.
We understand that the realities of Nigerians occur in several African countries as well.
The way we have brought financial inclusion that Microfinance banks can even issue cards, SMEs and multinationals could have cards; we have been able to replicate that in other countries. It took a lot of efforts for us to create our EMV card, after that we have been able to transfer the knowledge to other African countries.
That was why we created Verve International. The core objective is to go to Ghana, for instance, and tell the banks to issue Verve Cards to domestic users.
Because we know that 80% of Africans do not travel outside their countries, so why giving them international card.
The local card satisfies their local needs and International card can be issued on request as well. So the Discover agreement was signed under Verve International to ensure the Cards are acceptable in any part of the world.
Global Partnership
Since the separation of Verve and InterSwitch in April this year we have entered into partnership with Discover Financial Services brand, Diners Club International and others. But InterSwitch has what is called third party processing plan. It is a processor for MasterCard, Verve and Visa.
Verve as a company is separate and running its fortune. To expatiate on this, if bank “A” issues a MasterCard’s card and it is used in Bank “B’s ATM, it will pass through InterSwitch before getting to that Bank “B”. If it is a Verve Card, it will do the same thing.
That means bank “A” would have appointed InterSwitch as the processor, while Bank “B” would have accepted InterSwitch as Acquire Processor.
InterSwitch offers such services to Union pay of a country like China. It provides switching to any card brand that does not have local infrastructure, while Verve is a brand like those other clients of InterSwitch.
Rejection of Selected Cards by Some ATMs
Well, I am certain that every ATM in Nigeria accepts Verve cards. Before a bank can issue or accept a card it must be a member of that scheme.
So, a bank that wants to issue a MasterCard must be a member of MasterCard scheme. Like-wise, if the bank want to issue Verve Card. So, each bank has to go through screening process before they can be granted an issuing or acquiring member.
In the case of Nigeria, Verve does not discriminate, while others may discriminate. But the real reason is about being a member of the scheme.
They have players like InterSwitch that can do a co-acquiring service for them and basically enable their ATM to accept such card. In terms of acceptance, there is no ATM that cannot accept Verve, Visa and MasterCard because InterSwitch provides them with co-acquiring service, but on the issuing side they may not be able to issue if they are not on the scheme.
For example, when a Microfinance bank buys an ATM, it does not have money to join a MasterCard or Visa, so it cannot issue. When you put an ATM there, the machine by design cannot accept a MasterCard or Visa, so it needs another bank to sponsor it.
On the other hand, it will appear as though the commercial bank owns the ATM. It takes a company like InterSwitch to implement that for the bank.
So, there is a kind of discrimination by those big players. If not for competition monopoly would have even made it worse.
Resolving ATM Related Cases
With Verve cards as long as the issuing bank logs it completely we can resolve any issue within three days.
If it were Verve, the holder needs to complain to his bank (the issuer). The bank logs it into our Arbiter platform, which enables us to resolve the case within 72 hours, unfailingly.
I cannot give account about other cards anyway, but in Verve we take things like this very seriously. The challenge will typically occur because if I go to the ATM next door and my card gets trapped, definitely, the cash will be in the cassette; there are four cassettes.
Money is parked in each of the cassettes, but there is the fifth one, where rejected money is parked. The money that could not be dispensed is parked in the fifth which functions like a dust-bin.
So, the bank would clear the ATM daily and could easily see, either from the bin or at the journals of the ATM where the cash not dispensed is stored.
As long you have logged your claim, they should be able to resolve it swiftly. The challenge may be for customers at the remote locations.
Encouraging Use of e-Payment
It is on record that Verve Card first introduced reward on Cards in Nigeria. The reward was meant for both the user and the merchants.
They were introduced at tipping-points to enable us give back to the users and the people who motivate them to partake.
Today, when you pay cash, sometimes you do not collect your change, but in cards you pay accurately.
Meanwhile, we are redesigning our incentives because of the roles CBN has brought around PoS. So, a cardholder knows that when he uses card he can get a reward of up to 5%. Right now, the scheme-Reward Money is focused only on PoS.
We are also introducing it on the web in the coming month, so as to encourage people to partake in internet and PoS transactions.
Location for Reward
What happens is that it accumulates at certain locations. There are over 100 thousand merchants in Nigeria currently.
All of them have not signed up to the incentive package. So, if anybody signs up the customers are assured of benefiting. On rewardmoney.com it is stated the percentage that is obtainable on partaking in card usage.
Other Value Added Services
Verve was the first to go into partnership with InterSwitch to roll out QuickTeller. It implies that with Verve card users can buy airtime, pay bills at ATM, on the web and transfer money on the ATM.
Other new innovation we just unveiled will make online transactions more convenient for the users. The innovation is such that Verve will remember who you are and eliminates some queries like who areyou? That way you can do transactions even faster.
General News
DSS Spyware Acquisition Enables Illegal Wiretaps, Detentions – The ICIR

Department of State Services (DSS), statutory known as the State Security Service (SSS), Nigeria’s premier domestic intelligence agency has reportedly acquired spyware that enables it illegally wiretap and detains citizens.

According to a report by The International Centre for Investigative Reporting (The ICIR), court filings and victim testimonies reviewed by it in the course its investigation revealed how spyware equipment acquired by Nigeria’s secret police for “national security” has become an instrument for illegal wiretapping.
In Nigeria, unlawful phone tapping and wiretapping are serious crimes as they violate privacy rights unless authorized by a judge.
The ICIR, an independent, non-profit news agency that promotes transparency and accountability through robust and objective investigative reporting in its report said the DSS, targets are monitored in secret, picked up, and hauled into horrible detention camps without trial dates or accountability.
Section 37 of the 1999 Constitution protects the privacy of citizens, their homes, correspondence, and telephone conversations.
But in exceptions, under the Constitution and the Lawful Interception of Communications Regulations 2019, authorized agencies (like the DSS and Police) can only intercept communications with a valid court order or warrant for reasons of national security or public safety.
Here is the full The ICIR report:
FIRST, the phones pinged. Then the knocks came. For suspects apprehended by operatives of the Department of State Services (DSS) since 2021 and taken to the military detention facility at Wawa, a border town in Niger State, the pattern was identical: strange calls, dropped signals, then arrests without warrants.
Court filings and victim testimonies reviewed by The ICIR in this investigation reveal how spyware equipment acquired by Nigeria’s secret police for “national security” has become an instrument for illegal wiretapping.
Targets are monitored in secret, picked up, and hauled into horrible detention camps without trial dates or accountability.
He sounded like a fan from America
On his way to Abuja from Abia State, a social media critic, Saheed Jamilu, got a call from a strange number.
The caller claimed to be a fan of his based in the United States who once lived in Abia.
“He hailed me and professed love for the South-East,” Jamilu said in a viral Facebook video. The caller later advised him to “soft-pedal” criticism of leaders, including the Ogun State governor, Dapo Abiodun.
Thirty minutes later, Jamilu checked the number.
Curiously, it carried a Nigerian code, not that of the U.S.
“It occurred to me something was fishy. I shared the number with my lawyer for verification. We later confirmed the caller was from the DSS,” Jamilu said.
He wondered why the secret police would chase critics instead of kidnappers holding hostages in forests across Nigeria.
Stories like his have flooded the social media space in Nigeria.
Activists and content creators, including the popular VDM (Very Dark Man), allege DSS surveillance and threats of arrest.
Where is ‘Blood’?
For lawyer Pius Awoke, 49, student Onyibe Chinonso, 34, and builder Nwocha Chinedu, 43, it was not an online alarm.
It was years of unspeakable horrors in detention.
On a wet Thursday morning in June 2021, along the Abuja-Lokoja highway, their Enugu-bound Sienna was flagged down near the Murtala Mohammed Bridge close to Lokoja.
Soldiers manning a checkpoint said the DSS had ordered a stop for a suspected IPOB (Indigenous People of Biafra) member.
Fifteen minutes later, plainclothes operatives arrived in an unmarked SUV. Among the eight passengers in the intercepted Sienna, the trio were ordered out and forced to surrender their phones.
Awoke recalled: “One operative brought out a paper and started dialling numbers with each phone. ‘Where is Blood?’ they barked, searching for a contact.”
Chinonso said they repeated the dialling three times and found nothing. After body and vehicle searches, the operatives began beating them.
“They kept beating and asking us ‘who is Blood?’ while we showed ID cards. After five hours of torture, they handcuffed us and took us to their Lokoja office,” Chinonso recalled.
The next day, they were ferried to DSS headquarters, Abuja, with face masks, phones and money seized. They were dumped in an underground cell called “Basement-2.”
Chinonso said one of the operatives, Jonah Daniel, urinated in a bottle and sprinkled it on their heads. “After that, our legs were chained together. We were kept incommunicado in a dark, cold, unventilated cell for two days,” he said.
Torture at the ‘Hell’ called Wawa
Wawa Military Cantonment in Borgu LGA, Niger State, near Benin Republic, is used for training and operations.
However, some ex-detainees told The ICIR that their ordeals in the hands of the DSS ended with detention at Wawa, describing it as “hell.”
For full details go to https://www.icirnigeria.org/how-dss-spyware-acquisition-enables-illegal-wiretaps-and-detentions/
General News
IHS Nigeria, FCT-HSES Concludes Clean Cooking Energy Campaign “Project Breathe Clean Air” in Abuja

Communications infrastructure company, IHS Nigeria, in partnership with the Federal Capital Territory Health Services and Environment Secretariat (FCT-HSES), has successfully concluded the Project Breathe Clean Air Abuja, a landmark initiative designed to help the underserved communities across the Federal Capital Territory to access Liquified Petroleum Gas (LPG) cylinders as a cleaner alternative for household cooking.

The Grand Finale Ceremony, which held at the Bwari Area Council Stadium, marked the successful completion of the project following months of implementation across all the six Area Councils of the FCT. The event also featured the symbolic presentation of LPG cylinders and refill vouchers to beneficiaries in Bwari, the final beneficiary community under the programme.
Speaking at the event Mr. Dapo Otunla, Senior Vice President and Chief Corporate Services Officer, IHS Nigeria who represented the Chief Executive Officer, Mohamad Darwish, described the initiative as a practical demonstration of the company’s commitment to delivering sustainable impact in the communities where it operates.
“When we launched this initiative in November 2025, we committed to supporting the FCT Administration in reducing household air pollution and improving the health and wellbeing of vulnerable communities. Today, we are proud to celebrate the successful fulfilment of that commitment,” he said.
Mr. Otunla noted that Project Breathe Clean Air Abuja aligns directly with two of IHS Nigeria’s core sustainability pillars: Environment and Climate Change, and People and Communities.
He explained that by supporting the transition from traditional biomass fuels such as firewood and charcoal to Liquefied Petroleum Gas (LPG), the initiative has contributed to cleaner household energy use, reduced exposure to indoor air pollution, and improved health outcomes, particularly for women and children.
According to him, the project delivered 10,000 LPG cylinders across communities in the FCT over two phases, while also enrolling 2,000 beneficiaries into the IHS Project Clinic Without Walls (PCWOW) Health Insurance Scheme, thereby extending the project’s impact beyond clean energy to improved access to healthcare.
“As we celebrate the successful completion of this initiative, we are also celebrating the strength of partnership. The collaboration between IHS Nigeria, the FCT Administration, community leaders and the implementing partners has transformed a shared vision into measurable impact,” he added.
Delivering an overview of the project, the Mandate Secretary, FCT Health Services and Environment Secretariat, Dr. Adedolapo Fasawe, reflected on the journey that led to the initiative and expressed appreciation to IHS Nigeria for supporting the FCT Administration’s vision of promoting cleaner, healthier communities.
She explained that the project was conceived as a practical response to the widespread use of firewood and charcoal for cooking across communities in the FCT.
“We could not simply ask people to stop using firewood and charcoal without providing them with a practical alternative,” she said.
Dr. Fasawe commended IHS Nigeria for embracing the vision and providing the support required to make the project a reality.
She noted that, through the partnership, beneficiaries across the six Area Councils received LPG cylinders alongside refill vouchers, helping their households transition to cleaner cooking methods while reducing exposure to harmful household smoke.
She further described the project as an example of how collaboration between government and the private sector can deliver meaningful improvement in the lives of citizens.
Beneficiaries also shared testimonials on how the access to clean cooking energy has improved their daily lives, while officials of the Federal Fire Service conducted a practical demonstration on the safe handling and use of LPG cylinders.
The ceremony brought together senior officials of the Federal Capital Territory Administration, representatives of the Honourable Minister of State for the FCT, Area Council representatives, traditional rulers, and community stakeholders in celebration of the successful completion of the initiative.
The IHS Nigeria delegation was led by Mr. Dapo Otunla, Senior Vice President and Chief Corporate Services Officer, and included, Director, Sustainability, Titilope Oguntuga, Director, Corporate Communications, Sylva Ifedigbo and other members of the company’s leadership and sustainability teams.
The successful conclusion of Project Breathe Clean Air Abuja reinforces IHS Nigeria’s commitment to advancing sustainable development through strategic partnerships that promote environmental responsibility, improve public health outcomes and strengthen the resilience of host communities.
General News
Beyondsurface Hairhub Equips Women Entrepreneurs with Practical Business Structure Skills at Free Lagos Seminar

Beyondsurface Hairhub successfully hosted the maiden edition of the Beyond The Strands Business Seminar (BTS 2026) on June 30, 2026 at TheWrkoutHub, Lagos, under the theme “Business Structure Made Simple.”

The free seminar was conceived by Folashade Idowu, Founder of Beyondsurface Hairhub, to bridge the knowledge gap many young entrepreneurs face while building their businesses.
“Beyond The Strands was born from my personal journey as a young entrepreneur. I wanted to create a space where women could access practical business knowledge regardless of their financial capacity.
“At Beyondsurface, we are not just interested in serving women through our products, we are committed to their growth, because thriving businesses contribute to healthier families and stronger communities,” she said.
The event recorded 101 registrations, with 54 entrepreneurs attending physically despite heavy rainfall, while 93 additional participants joined via a publicly accessible livestream, extending the seminar’s reach beyond the venue.
Participants received practical training on building sustainable businesses through proper structure, covering branding, finance, operations, legal documentation, team management, and business systems. Speakers included Omolola Dada (Awani Digitals), Adebisi Odeleye (Moore Organic), Bankeye Akinwale (Michael Akinwale & Co.), and Olamide Olayinka (Mayana).
Beyond the learning sessions, the seminar fostered meaningful networking, business collaborations, and sales opportunities among attendees. Participants also received premium gift packs containing products from partner brands, including satin bonnets, natural herbal shampoo, healthy drinks, granola, coconut products, and other wellness items.
The event featured product exhibitions by August26 trend, Kiano Naturals, Glowbywealth and Beyondsurface Hairhub with support from several sponsors and partners committed to empowering women entrepreneurs.
Participant feedback reflected the event’s impact.
“I’m glad I came despite the rain. I learnt so much from the panel session and the business structure sessions. It was incredibly impactful,” said Olamide Hairmpire
Another participant, Chrisolite Hair who joined online via YouTube, remarked, “Your session was so insightful, and the panel session was amazing.”
With overwhelmingly positive feedback and video testimonials from attendees, Beyondsurface Hairhub has announced that Beyond The Strands Business Seminar will become an annual initiative, continuing its mission of equipping entrepreneurs with practical tools to build sustainable and impactful businesses.
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