The Nigerian Communications Commission (NCC) and the Central Bank of Nigeria (CBN) have jointly approved a framework that guarantees near-instant refunds for failed airtime and data purchases.
Under the new arrangement, subscribers who are debited without receiving value will automatically receive refunds within 30 seconds, addressing one of the most persistent complaints in Nigeria’s digital services ecosystem. Full implementation of the framework is scheduled to commence on March 1, 2026, following final approvals and the completion of technical integrations across all participating institutions.
The NCC disclosed this development in a statement on Monday, noting that the framework was developed after months of collaboration with mobile network operators (MNOs), deposit money banks (DMBs), value-added service providers, and other key stakeholders.
The policy targets transaction failures arising from network downtimes, system glitches, human errors, or other technical issues where customers are charged but airtime or data is not delivered.
Key features of the framework include:
Automatic refunds within 30 seconds for failed airtime and data transactions, irrespective of whether the fault originates from the bank or an NCC-licensed operator;
Refund timelines may extend up to 24 hours only for transactions that remain in a pending state;
Mandatory SMS alerts to notify consumers of transaction success or failure;
Coverage for common errors, including recharge to ported numbers, incorrect purchases, or transfers to wrong phone numbers;
The framework also establishes enforceable Service Level Agreements (SLAs) that clearly outline the responsibilities of MNOs and banks in transaction processing and failure resolution.
To ensure transparency and accountability, the NCC and CBN will jointly operate a Central Monitoring Dashboard that tracks failed transactions in real time, identifies responsible parties, monitors refunds issued, and flags SLA violations.
Speaking on the initiative, NCC Director of Consumer Affairs, Mrs. Freda Bruce-Bennett, said failed top-ups consistently rank among the top three consumer complaints received by the Commission.
“Failed top-ups rank among the top three consumer complaints, and in line with our commitment to resolving priority consumer issues, we were determined to address this within the shortest possible time,” she said.
She commended the CBN and other stakeholders for their collaboration in delivering a solution that ensures subscribers receive full value for their purchases.
Although final management approvals from both regulators are still pending, MNOs and banks have already refunded over ₦10 billion to customers affected by failed transactions. NCC had earlier indicated that the framework was necessary to address consumer complaints arising from unsuccessful airtime and data transactions.
The measure is seen as a significant step towards stronger consumer protection, faster dispute resolution, and improved confidence in digital payments for everyday services such as airtime and data purchases.
