Transaction Error: User has not been setup

What does 'User has not been setup' mean?

All banks asides Zenith Bank, Sterling Bank and Guaranty Trust Bank require registration on Central Pay. This error occurs when a user of any of these banks is using the Pay with Bank channel for the first time and hasn't been registered.

What can I do about it?

The customer would need to reach out to their bank to activate their account for Pay with Bank transactions.