COOU App Payment Pending: How to Check Credo Transactions and Resolve Verification Problems

Students of Chukwuemeka Odumegwu Ojukwu University (COOU) who make payments through the university's new mobile application may sometimes encounter a pending transaction or a payment that has not been verified on their student account.

This can become frustrating, especially when the payment is connected to course registration, clearance or another academic service.

The good news is that COOU's Directorate of Information and Communication Technology (ICT) previously issued specific instructions for students experiencing payment verification problems on the new portal.

This guide explains how to check a Credo transaction, what to do when the payment remains pending, and how to report an unresolved transaction.

Why Is My COOU App Payment Still Pending?

A payment can appear as pending when the transaction has not been fully confirmed or reflected in the university's student payment records.

This does not automatically mean that your money has been lost or that the payment has failed.

According to a notice issued by the COOU ICT Directorate on August 12, 2026, students experiencing payment verification or reversal problems through the new mobile application were advised to check their transactions through Credo Central and follow the prescribed verification process.

Step 1: Find Your COOU Payment Reference Number

Before checking your transaction, open your COOU mobile application and locate your payment history.

Find the transaction you want to investigate and identify its payment reference number.

The ICT notice explained that the reference number usually begins with the letters UG.

Keep this reference number available because you will need it to check the transaction on Credo.

Step 2: Check Your Payment Status on Credo

Visit the Credo transaction details website:

https://details.credocentral.com

Follow these steps:

1. Enter the payment reference number obtained from your COOU app payment history.
2. Select the option to view transactions.
3. Check the details and status displayed for the transaction.
4. Confirm whether the payment is successful or still pending.

If the transaction displays a pending status, proceed to the next step.

Step 3: Attempt Payment Verification Through Credo Central

COOU's ICT notice also instructed affected students to attempt verification through the Credo Central payment gateway.

Visit:

https://pay.credocentral.com

Enter the payment reference number from your COOU application payment history and select Proceed.

According to the published ICT instructions, a successfully completed payment should be automatically verified through this process.

If the transaction remains pending after this attempt, proceed to the support process below.

Step 4: Contact Credo Support if the Payment Remains Pending

The ICT Directorate instructed students whose payments remained pending after the verification attempt to email the Credo Support Team.

Official support email stated in the ICT notice: cic@etranzact.com

Include the following information in your email:

• Your full name.
• The name of the fee or service you paid for.
• The amount paid.
• The date of payment.
• The Providus or eTranzact account to which the payment was made.
• A copy of your transfer receipt.

Also include your payment reference number in the email so that the transaction can be identified more easily.

The notice advised students to monitor their email for responses and provide any additional information requested by the support team.

Email Template for COOU Students With Pending Payments

You can use the following format when reporting an unresolved transaction.

Subject: COOU App Payment Pending – Request for Transaction Verification

Dear Credo Support Team,

I am a student of Chukwuemeka Odumegwu Ojukwu University (COOU). I made a payment through the COOU mobile application, but the transaction is still showing as pending and has not been verified.

Below are my payment details:

• Full Name:
• Payment Reference Number:
• Name of Fee Paid:
• Amount Paid:
• Date of Payment:
• Receiving Account (Providus/eTranzact):

I have attached my payment receipt for verification.

Kindly investigate the transaction and assist with confirming its status.

Thank you.

Yours faithfully,
[Your Full Name]

What If the Payment Is Still Not Verified?

If you have checked the transaction and followed the verification instructions without success, COOU's ICT notice also identified two further support options:

1. Visit the ICT Unit on your campus.

Students can visit the ICT Unit and explain the payment verification problem, providing the transaction reference and available payment evidence.

2. Use the support feature in the COOU mobile application.

The notice also advised affected students to contact the COOU Support Team through the support feature within the application.

The Directorate stated that official communications relating to the mobile application should be conducted using the school email address registered on the new COOU Portal.

Important Update: Check for the Latest COOU App Version

Students should also check whether they are using the latest available version of the COOU application.

The Apple App Store version history lists version 1.0.9, dated October 20, 2026, with a release note stating that payment issues were resolved and scalability improved.

This suggests that some payment-related problems may have been addressed in a newer release. However, an app update does not guarantee that every previously pending transaction has been resolved.

If you still have an outstanding transaction, check its status and follow the appropriate support process.

Should I Pay Again If My COOU Payment Is Pending?

Do not rush to make another payment simply because the first transaction has not reflected in your account.

First, check the original transaction using its payment reference number. Establish whether it was successful, pending or unsuccessful before attempting another payment.

Making another payment without checking the original transaction could result in paying twice for the same service.

Keep your payment receipt and transaction reference until the issue has been resolved.

	Frequently Asked Questions

Why is my COOU app payment showing pending?

It may not yet have been fully confirmed or reflected in the university's payment records. Check the transaction through Credo using the reference number in your COOU app.

Where can I check my COOU payment reference number?

Open your COOU mobile application and locate the payment history for the transaction. The reference number is displayed with the payment details.

What should I do if Credo confirms my payment but COOU has not updated my account?

Keep the transaction details and receipt, then report the discrepancy through the appropriate COOU support channel. A successful transaction status on Credo does not necessarily mean that every university record has already updated.

Can I contact Credo about my pending COOU payment?

Yes. The COOU ICT notice identified cic@etranzact.com as the Credo Support Team email for students whose transactions remained pending after the prescribed verification attempt.

Should I make another payment if my first payment is pending?

No. Check the original transaction first and establish its status before considering another payment.

If your COOU mobile application payment is still pending, start by checking the transaction reference on Credo. If the payment remains unresolved after the verification attempt, follow the ICT Directorate's reporting instructions and provide the necessary transaction details.

Also check for application updates, since the October 20, 2026, App Store release notes indicate that payment issues were addressed in version 1.0.9.

Always retain your payment evidence until the university's records accurately reflect the transaction.