Safety Advice: Buyer Protection | Seller Protection

Buyer Advice

OnlineNaira is the safer way to pay and be paid online, though sometimes it helps to know what to do in case something goes wrong. Read on to learn how to protect yourself from online hazards.

Protect yourself from Online Fraud!

Although OnlineNaira safeguards, encrypts and protects your information, there are some things you can do to prevent your details from accidentally falling into the wrong hands.

Never, ever, ever click on a suspicious looking email

OnlineNaira doesn't send demanding emails insisting you login immediately or else have your account shut down. So, if you do get one of these emails, it's not from us.

If you receive an email that didn't address you by your first name and surname and then asks you to click on a link and log in using your details, you may well be revealing your details to a fraudulent website. Instead, open your browser, type in and then login.

Get Chrome, Firefox or Internet Explorer 8+ Download Google Chrome Download Firefox download Internet Explorer

Upgrading your browser will greatly reduce your chances of experiencing web forgery (sometimes called 'spoof' or 'phishing'). If you visit a known fraudulent site in a newer browser, you'll be alerted and in many cases, the browser will close the site automatically.

Treat yourself to a newer browser version. They're free.

Why OnlineNaira is safe for buyers!

OnlineNaira delivers a secure payment platform. After more than a few hacker attacks in the past, we've learned a thing or two about keeping your information safer.

We can spot problems before they happen

OnlineNaira uses state of the art encryption

Safeguarding your financial and personal information is one of our most important priorities. That's why we automatically encrypt all sensitive information sent between your computer and our systems, ensuring your information is kept private. When registering or logging in to our site, we verify that your Internet browser is running Secure Sockets Layer 3.0 (SSL) or higher. Information is protected by SSL with an encryption key length of 168 bits (the highest level commercially available). We store your personal information and ensure it's heavily guarded, both physically and electronically. To further safeguard your bank account details, we do not directly connect our firewall-protected servers to the internet.

Seller Advice

OnlineNaira is the safer way to pay and be paid online, though sometimes it helps to know what to do in case something goes wrong. Read on to learn how to protect yourself from online hazards and what we can do to help.

Protect yourself from fraud and claims

It's important to be aware of the risk of fraudulent transactions and different types of claims that could affect your business. OnlineNaira may be able to help in troubled transactions, but it 's better if you can avoid them in the first place. Here are a few tips.


Whether it’s lost in the post or sent to the wrong address, not receiving an item is one of the key reasons for a buyer to make a claim. In some cases, it's possible that the claim may be fraudulent.

Tips to avoid this claim:
• Use an online trackable postal service and make sure you obtain proof of delivery
• Inform the buyer when you have sent the item and send them the tracking number
• Claims can be made weeks or even months after an item is sold, so hold on to your evidence
• Be sure to use reputable postal companies or arrange delivery yourself


Possible reasons for this type of claim could be that the item was broken in the post or that part of it was missing, or the buyer may feel it was “significantly not as described” in the original listing.

Tips to avoid this claim:
• Insure your package for its full value in case the item is damaged in transit
• Describe items and services in as much detail as possible, with pictures of actual items
• Clearly display your returns policy on your website or on your OnlineNaira Product listings


If a fraudster gets hold of the details of an OnlineNaira Account (possibly because the account holder has fallen victim to a phishing email), it’s possible that you could receive an unauthorised payment.

Here are some tips to help avoid fraud:
• Ideally you should only post to the address that appears in the transaction details
• Be alert if a buyer asks you to post to a different state from their OnlineNaira account
• Try to know your customer – you could send an email to their registered OnlineNaira email address
• If you feel very suspicious, ask for proof of ID or contact OnlineNaira Customer Services

General tips