The Joint Admissions and Matriculation Board has outlined specific responsibilities for participating banks and financial outlets selling e-PINs, emphasising that codes must be delivered electronically with no dictating or copying. The regulations aim to prevent fraud and ensure candidates receive their e-PINs securely.

JAMB listed authorised e-PIN outlets as: NIPOST offices, commercial banks, Microfinance Banks (MFBs), Mobile Money Operators (MMOs), approved USSD partners, and other participating financial institutions. Only these outlets are permitted to sell JAMB e-PINs.

According to JAMB, participating outlets must: collect the profile code directly from the candidate's phone; collect payment; vend the e-PIN electronically via SMS (no dictating or copying); facilitate payment through POS systems; and provide evidence of payment.

"Participating financial outlets are responsible for collecting the profile code directly from the candidate's phone, collect payment and vend the e-PIN electronically via SMS (no dictating or copying the code)," JAMB stated. JAMB emphasised multiple times that vendors must not dictate profile codes or e-PINs to candidates.

The codes must be delivered as text messages directly to candidates' phones, preventing vendor employees from retaining the codes or sharing them with unauthorised persons. Vendors must collect the profile code directly from the candidate's phone rather than having candidates write it down or verbally state it.

This ensures the candidate possesses the actual phone linked to their profile. E-PINs must be delivered electronically via SMS to the candidate's unique telephone number. Handwritten e-PINs, printed receipts with e-PINs, or verbally communicated e-PINs do not meet JAMB's requirements.

Vendors must facilitate payment through Point of Sale (POS) systems, providing candidates with official transaction receipts. This creates an audit trail for all e-PIN purchases.

Vendors must provide candidates with clear evidence of payment, typically through POS receipts showing transaction details. This protects candidates if e-PIN delivery fails and they need to request resends.

The strict vendor regulations prevent fraud scenarios where: vendor employees retain e-PINs and sell them to other candidates; candidates claim they didn't receive e-PINs when they actually did; unauthorised persons purchase e-PINs on behalf of candidates; and vendors manipulate the e-PIN distribution process.

JAMB clarified that centre charges (₦700 registration + ₦500 bank charges) are already included in the total e-PIN fee. "No other fee should be paid at the centre," the statement read, meaning vendors should not request additional payments beyond the official e-PIN cost.

Candidates experiencing issues with vendor behaviour can report to JAMB through the ticketing system, potentially resulting in vendor delisting.

When purchasing e-PINs, candidates should: visit only authorised outlets; ensure their registered phone is present and functional; allow vendors to view the profile code on their phone; refuse if vendors ask them to write down codes; verify they receive the e-PIN via SMS before leaving; obtain POS receipts as payment evidence; and report vendors who don't follow these procedures.

JAMB's detailed outline of vendor duties suggests the Board provides training or guidelines to participating outlets. Vendors unfamiliar with proper procedures should request clarification from JAMB before handling e-PIN sales.

Vendors must understand the three e-PIN types: Direct Entry (₦5,700), UTME without Mock (₦7,200), and UTME with Mock (₦8,700). Candidates must specify which type they need, as refunds are not available.