Everything you need to know about IcadPay
New to IcadPay, or just have a general question? This section covers the most common queries about our platform, policies, and support channels.
IcadPay is a licensed Nigerian fintech platform that provides:
IcadPay is regulated and operates in full compliance with Central Bank of Nigeria (CBN) guidelines.
For urgent issues (e.g. suspected fraud or a large failed transaction), use the live chat for the fastest response.
Common questions about general inquiries
Creating an account and paying most bills is free. A small convenience fee applies to certain services (always shown before you confirm). The payment gateway has a 1.5% per-transaction fee for merchants.
Visit portal.icadpay.com and click 'Sign Up'. Enter your name, email address, and phone number, then verify your email. Your account is ready to use immediately. To unlock higher transaction limits, complete identity verification in your profile settings.
If a service is not delivered after a successful payment, IcadPay will initiate a refund automatically within 24 hours. Refunds reach your original payment method within 3–5 business days, depending on your bank.
You can access IcadPay from anywhere in the world, but the services (bill payments, gateway) are designed for Nigerian accounts and providers. International card payments are supported for the gateway product.
Go to Settings → Account → Close Account. You will be asked to confirm your identity. Note that any outstanding balance will be refunded before closure. Accounts cannot be closed if there are pending transactions.
Both documents are available at the bottom of every page on icadpay.com. We recommend reading them before you start using the platform. If you have questions about specific clauses, email legal@icadpay.com.
Our support team is available every day from 8 am to 10 pm.
Live chat
Under 2 min
Under 2 hrs
Phone support
Via portal
