ZenithBankToken vs HarrenaPay

ZenithBankToken App is a mobile application that generates One Time Passwords (OTPs) used in the authentication of electronic transactions. A one-time password (OTP) is a series of characters that automatically authenticates the user for a single transaction or session. It is also an alternative to the Hardware Token. Activate the App using the activation details stated below Register as an Individual Select Activation Method Hardware Token: Account Number + 4-digit Server PIN and Hardware Token Code Image Verification: Account Number + Date of Birth Quick Access: Visit Bank branch and generate activation code required for enabling access on the E-token App OTP: Account Number + Date of Birth A one-time password (OTP) will be sent to your registered phone number Register as a Corporate Select Activation Method Quick Access: Visit Bank branch and generate activation code required for enabling access on the Zenithbanktoken App

HarrenaPay is escrow infrastructure for buyers and sellers who want certainty on every transaction. Whether you're paying for goods, services, or freelance work, HarrenaPay holds funds in regulated escrow until both parties confirm delivery. No risky upfront bank transfers. No “send first, hope for the best.” KEY FEATURES • Escrow payments — money is held safely until you approve release • Wallet — fund your account via bank transfer and pay from your balance • Milestone payments — split large projects into stages • Payment links — share a link and get paid securely • Dispute protection — funds stay locked while issues are resolved • Naira-native — built for Nigeria, settled in seconds HOW IT WORKS 1. Create or accept an escrow payment 2. Buyer funds the transaction 3. Seller delivers goods or services 4. Buyer confirms — funds release to the seller instantly WHO IT'S FOR • Online buyers and sellers • Freelancers and contractors • Small businesses and merchants • Anyone sending money to someone they haven't met in person PRICING Starter plan is free. Transparent split fees on escrow (sender + receiver). Wallet-to-wallet transfers are free. See harrenapay.com/pricing for full details. HarrenaPay is operated by Harrena Africa Synergy LTD. We are not a bank. Escrow funds are held with our licensed partner bank until release. Support: support@harrenapay.com Privacy: harrenapay.com/privacy Terms: harrenapay.com/terms