Out of credit on MTN? Azabill fronts you MTN airtime or a data bundle instantly and you settle later on a date you choose — for your own line or anyone else's.
MTN's XtraTime lets you borrow airtime on your line by dialling *303#, the unified shortcode the NCC harmonised across all networks. It is quick, but it is airtime only, the service charge is deducted upfront, and repayment is automatic — MTN takes what you owe out of your next recharge before crediting the rest to you.
Azabill works differently on the three things that tend to matter. The fee is a flat charge applied once and it never grows. You choose your own settle date instead of having your next top-up swept. And the same limit covers data, electricity, TV and internet, not just talktime. As at July 2026 the networks' advance services charge in the region of 15% upfront; ours is a fraction of that, and you can always see the exact repayment figure before you confirm.
You do not need a particular line age or recharge history with us. Sign up, verify your BVN and NIN once, and a starter limit opens — no guarantor and no paperwork. Settle on time and the limit steps up as your Trust score grows.
MTN airtime lands in seconds and data bundles activate immediately. If a purchase ever fails on the network's side, you are refunded automatically — you are never left owing for something that did not arrive.
Yes. Azabill fronts you MTN airtime instantly up to your spending limit, and you settle later on a date you choose.
XtraTime is airtime only, charges its service fee upfront and recovers automatically from your next recharge. Azabill covers airtime, data, electricity and TV, charges a flat fee once, and lets you pick your own settle date.
Yes — the standard MTN daily, weekly and monthly bundles are all available on credit and activate instantly.
Yes. You can send airtime or data to any MTN line, not just your own.
Join Azabill free, complete quick verification, and start buying now and paying later — airtime, data, electricity, TV and more. Get started →