Go to https://app.monnify.com. Register as a merchant. If you do not have a CAC Certificate please don’t register under REGISTERED BUSINESS. Just go for STARTER BUSINESS YOU MUST UPLOAD THE FOLLOWING BEFORE MONNIFY CAN APPROVE YOU: 1. Board members/Directors Information (compulsory)2. Business Registration Document (if you dont have a CAC Cert you can upload your COMPANY PROFILE on all columns in the section)3. Business website (the link to your vtu reseller portal)5. Utility bill (valid PHCN bill or any other bill showing the details of your place of residence)     When this is done, Monnify will need access to the portal to confirm its legit. It’s good you open an account as a user there then be prepared to submit the email and password to Monnify for verification