Farmsquare Agricultural Company Limited in partnership with Sterling bank is offering you an opportunity to buy agricultural inputs on credit worth up to two million naira or more without collateral using the PayWithSpecta product. You buy whatever agricultural input you need now and pay back later. It ranges from a small cutlass to a tractor. This opportunity allows you spread your payment up to a year.

How to Buy Now and Pay Later?

First for you to be able to use this offer, you need a SPECTA ID. 

So what is a SPECTA ID?

A SPECTA ID is a unique number that holds your spending limit which shows you how much you can spend on items you need through PayWithSpecta.

To get your SPECTA ID, you will need to follow these steps:

  • Visit and signup by filling in your details and submit.
  • You will receive an activation email sent to your email address.
  • On your email, click “activate account” and proceed.
  • You will be directed to an account activation page, where you will activate your account.
  • An OTP will be sent to your phone number registered to your BVN. Enter the OTP and once it is verified you will be directed back to the login page of PayWithSpecta.
  • On your login page, enter your email and password to access your dashboard.
  • Once in, click on GET YOUR SPENDING LIMIT.
  • Enter your bank account number, select your bank and click request bank statement.
  • If you are using GTB or Zenith bank, please request for your ticket I.D. from your bank’s mobile app. It will be sent to your phone number/email registered with your bank.
  • Enter this I.D., once it is successful you will receive a congratulatory email, with your SPECTA ID and spending limit.
  • Now all you need to do is activate your spending limit by linking the ATM of the bank you registered on the platform to your account. That’s all, you are done.

To buy from FARMSQUARE, you will need to follow these steps:

  • Now you can visit and log on to
  • Add all the products you want to buy to your cart.
  • During check-out, select PayWithSpecta as your mode of payment.
  • Input your SPECTA ID and checkout.
  • Your goods will be delivered to you in any location in the country.