How to get a GTBank POS terminal in Nigeria (in 2020)

For business people wanting to accept card payments, here is how to get a POS for your business.

What is a POS terminal or a POS machine?

First of all, a POS terminal (point of sale terminal) is a portable device that allows you as a retailer or merchant collect payment from your customers using only their bank cards. So this means that as a business owner,  instead of customers saying “Sorry, I don’t have cash today – I will come tomorrow”, you can now tell them “don’t come tomorrow, you can pay me now with POS”. All they have to do is to check and verify the amount on the screen, enter their PIN number and that’s it.

You also get more sales because you can now cater to two types of customers – those paying by card and those paying with cash. Your previous customers remember you easily once you are able to offer them a POS where others have failed to do so.

Various banks and institutions offer this service, and I have covered them here. However, for this post, I will be concentrating on GTBank.

1. You will need a Business Current Account. You can download a brochure here to see what the requirements are. If the link doesn’t work, here is a back up copy: sme brochure-web

2. You then need to either e-mail sme@gtbank.com, go to your branch or speak to your account officer. You should get a specific POS request form as well as an agreement document to sign.

3. Following all checks and approval of the account, you should receive your POS in about 14 days, delivered to your business address. Please note that POS terminals are offered for free, however for each payment you accept, a fee of 0.75% is deducted for the services provided which includes routine free maintenance of the units.

Hope this helps.

10,807 Comments

  1. Joseph igini August 25, 2015
    • mrpepe August 25, 2015
      • Adams April 25, 2020
  2. Dele September 14, 2015
    • mrpepe September 14, 2015
  3. sunday +2348098466980 September 16, 2015
  4. Femmy November 1, 2015
  5. Mayen February 12, 2016
    • mrpepe February 12, 2016
  6. Akinola March 3, 2016
  7. Emmanuel Oziegbe Amairuobe 1 March 3, 2016
  8. uchenna March 18, 2016
  9. lanre July 18, 2016
    • mrpepe July 18, 2016
  10. Kayode September 5, 2016
    • mrpepe September 5, 2016
      • Vera January 22, 2021
  11. daniel September 6, 2016
    • mrpepe September 7, 2016
  12. Bamidele September 13, 2016
  13. Bamidele September 14, 2016
  14. Nicholas September 20, 2016
    • mrpepe September 26, 2016
  15. Stanley December 26, 2016
  16. frank March 1, 2017
  17. frank March 1, 2017
    • BernardEmemy January 13, 2024
  18. idowu Adebayo March 29, 2017
  19. Amos agbaje April 1, 2017
  20. chevron April 16, 2017
    • Ethan Okoli April 18, 2017
  21. AWELEWA June 7, 2017
  22. Zubair Salihu June 11, 2017
  23. Benedict September 16, 2017
  24. Lany October 8, 2017
  25. adexyusau October 21, 2017
  26. COLLINS October 25, 2017
  27. adexyusau October 26, 2017
  28. Maupe Ogun November 7, 2017
  29. Sodiq okunola August 26, 2018
  30. Mohammmed Inusa Baba August 31, 2018
  31. Mubarak November 11, 2018
  32. USMAN AUWALU HABIBU January 24, 2019
  33. olaseni olamide April 15, 2019
  34. kenny June 1, 2019
  35. Ruth June 7, 2019
  36. Olaiya oluwayemisi July 13, 2019
  37. bilkisu sadiq Yusuf July 21, 2019
  38. Moses September 5, 2019
    • Sasha October 15, 2021
  39. Rasheed October 18, 2019
  40. Olayemi Ajuboprince November 1, 2019
  41. oludele seun December 15, 2019
  42. Austin December 17, 2019
  43. Temitope January 16, 2020
  44. Odeleye March 14, 2020
  45. Osowe Festus Funsho May 9, 2020
  46. Adebisi May 9, 2020
  47. Jafaru Abdullahi May 9, 2020
  48. Benjamin May 14, 2020
  49. Emmanuel June 16, 2020
  50. bunmi September 3, 2020
  51. Bukola November 11, 2020
  52. Uchenna Ukwuaba December 29, 2020
  53. Opeyemi mercy February 2, 2021
  54. Uudutm May 5, 2023
  55. Aabxos May 9, 2023
  56. Erznqa May 9, 2023
  57. Asgiom May 10, 2023
  58. Yjubvc May 11, 2023
  59. Opseek May 12, 2023
  60. Fhrlzt May 12, 2023
  61. Ngayqh May 14, 2023
  62. Rytjtc May 15, 2023
  63. Pwaekj May 15, 2023
  64. Bjwhaz May 17, 2023
  65. Dfifon May 17, 2023
  66. Fdwisn May 18, 2023
  67. Vzztpa May 19, 2023
  68. Eemxyb May 20, 2023
  69. Hbmmiz May 21, 2023
  70. Uuscli May 22, 2023
  71. Vnhvxa May 22, 2023
  72. Xvesax May 24, 2023
  73. Ynfxyf May 25, 2023
  74. Ghbuep May 25, 2023
  75. Uogmag May 27, 2023
  76. Wbjuvb May 27, 2023
  77. Zhizmd May 28, 2023
  78. Irfgpt May 29, 2023
  79. Givxxz May 29, 2023
  80. Lowcxc May 31, 2023
  81. Jdpjeq May 31, 2023
  82. Zdoxvw June 1, 2023
  83. Fddjvq June 2, 2023
  84. Jzoxgx June 4, 2023
  85. Eiupbl June 5, 2023
  86. Kdewxz June 6, 2023
  87. Gcbyrx June 7, 2023
  88. Iwkvbx June 9, 2023
  89. Yjotxu June 9, 2023
  90. Rmtdht June 11, 2023
  91. Jguioa June 11, 2023
  92. Ispwtp June 13, 2023
  93. Vzmbra June 13, 2023
  94. Mfdugp June 15, 2023
  95. Zrhaie June 15, 2023
  96. Yrtltr June 17, 2023
  97. Kvswiy June 17, 2023
  98. Hwzguf June 18, 2023
  99. Xlmhwk June 19, 2023
  100. Khxfak June 20, 2023
  101. Uydypy June 21, 2023
  102. Ruhqhh June 21, 2023
  103. Hiyjoz June 23, 2023
  104. Curlxn June 23, 2023
  105. Glzopq June 25, 2023
  106. Rxuffj June 25, 2023
  107. Winksx June 26, 2023
  108. Sflvyl June 27, 2023
  109. Joigvh June 28, 2023
  110. Qddwtb June 29, 2023
  111. Zujnvr June 29, 2023
  112. Ofbrap July 1, 2023
  113. Cagrml July 1, 2023
  114. Dmswbi July 3, 2023
  115. Veekot July 3, 2023
  116. Zecvsu July 5, 2023
  117. Pnvgeb July 5, 2023
  118. Einyun July 6, 2023
  119. Uensms July 7, 2023
  120. Anbaha July 8, 2023
  121. Wdxqgq July 9, 2023
  122. Mrcpkt July 9, 2023
  123. Kmcrgb July 11, 2023
  124. Jyakqy July 11, 2023
  125. Rkizxx July 12, 2023
  126. Qhyzqo July 13, 2023
  127. Ddtsir July 14, 2023
  128. Abfbhv July 16, 2023
  129. Jzmzdn July 16, 2023
  130. Yhawiw July 17, 2023
  131. Jzqznx July 19, 2023
  132. Euoibs July 19, 2023
  133. Qsbieh July 21, 2023
  134. Gdpmjq July 23, 2023
  135. Pekiiq July 23, 2023
  136. Iljdqs July 25, 2023
  137. Coivvc July 27, 2023
  138. Nvhupr July 27, 2023
  139. Jjjnec July 29, 2023
  140. Pbuqkc July 29, 2023
  141. Prggxa July 30, 2023
  142. Skczyz July 30, 2023
  143. Uqraqh July 31, 2023
  144. Fpvhba August 1, 2023
  145. Bkkvbd August 3, 2023
  146. ClarkDaype August 3, 2023
  147. Uuguum August 5, 2023
  148. Jzwoya August 5, 2023
  149. CallieWhomy August 7, 2023
  150. Tyklab August 7, 2023
  151. Marianig August 7, 2023
  152. TheresaJep August 7, 2023
  153. DeloresVurne August 7, 2023
  154. Pamelatot August 7, 2023
  155. Derekduh August 7, 2023
  156. Maxinewab August 7, 2023
  157. Julieroamn August 7, 2023
  158. Laurajom August 7, 2023
  159. Meganisofs August 7, 2023
  160. Herminesonee August 7, 2023
  161. Carolemake August 8, 2023
  162. Staceysip August 8, 2023
  163. Hvulrg August 8, 2023
  164. Cecilefrist August 8, 2023
  165. GloriaBiviX August 8, 2023
  166. Elaineboort August 8, 2023
  167. Antoniaconge August 8, 2023
  168. Tiffanycaf August 8, 2023
  169. RosettaNic August 8, 2023
  170. LydiaWob August 8, 2023
  171. Peterphymn August 8, 2023
  172. SheilaWaymn August 8, 2023
  173. Rachellram August 8, 2023
  174. Lindsaywap August 8, 2023
  175. Angelimmow August 8, 2023
  176. DeborahGOB August 8, 2023
  177. Jimmymen August 9, 2023
  178. Ericaclera August 9, 2023
  179. Peterphymn August 9, 2023
  180. Angelimmow August 9, 2023
  181. JessieTwego August 9, 2023
  182. Eleanorron August 9, 2023
  183. Crystallep August 9, 2023
  184. Angelimmow August 9, 2023
  185. Josephuriva August 9, 2023
  186. Josephuriva August 9, 2023
  187. Josephuriva August 10, 2023
  188. Cxyatk August 10, 2023
  189. Josephuriva August 10, 2023
  190. Laurahiz August 10, 2023
  191. Maggiesem August 10, 2023
  192. SamanthaDok August 10, 2023
  193. CharlesPieby August 10, 2023
  194. ScottWeF August 10, 2023
  195. ClaudeInins August 10, 2023
  196. Williamdot August 10, 2023
  197. Sherriedourl August 10, 2023
  198. HattieiromI August 10, 2023
  199. Tanyashubs August 10, 2023
  200. Tsicru August 10, 2023
  201. DarylFig August 10, 2023
  202. ElwoodAcany August 10, 2023
  203. Phyllislop August 10, 2023
  204. Donnafet August 10, 2023
  205. EmilyDok August 10, 2023
  206. Eleanorsek August 10, 2023
  207. MattieBeaus August 10, 2023
  208. Mariashutt August 10, 2023
  209. Larrybrops August 10, 2023
  210. Peterphymn August 10, 2023
  211. Carolynhep August 10, 2023
  212. Minnienow August 10, 2023
  213. Charlesgof August 10, 2023
  214. Dorothyhep August 10, 2023
  215. Peterphymn August 10, 2023
  216. Helendrymn August 10, 2023
  217. LatonyaImmab August 10, 2023
  218. Mattiemub August 11, 2023
  219. Brianabom August 11, 2023
  220. ClaudiaCak August 11, 2023
  221. EffietuP August 11, 2023
  222. AmandaBat August 11, 2023
  223. EffietuP August 11, 2023
  224. Bonniefem August 11, 2023
  225. Melindauphom August 11, 2023
  226. ClaudeInins August 11, 2023
  227. Sarahcoorp August 11, 2023
  228. ScottWeF August 11, 2023
  229. Nancyphono August 11, 2023
  230. JamieGeono August 11, 2023
  231. Shelleylib August 11, 2023
  232. Charlespuh August 11, 2023
  233. AdrianaBes August 11, 2023
  234. Brentpielo August 11, 2023
  235. Samuelgab August 11, 2023
  236. RosalieJaina August 11, 2023
  237. Larrybrops August 11, 2023
  238. Nicolediarf August 11, 2023
  239. DeniseErush August 11, 2023
  240. DarylFig August 11, 2023
  241. KelleyEdilm August 11, 2023
  242. Jamesfrism August 11, 2023
  243. Tammilix August 11, 2023
  244. Whitneyclomo August 12, 2023
  245. Bonitanok August 12, 2023
  246. Sheenajax August 12, 2023
  247. Davidanoke August 12, 2023
  248. ThelmaGew August 12, 2023
  249. Davidanoke August 12, 2023
  250. ClaudeInins August 12, 2023
  251. Charlesgof August 12, 2023
  252. Carolzerve August 12, 2023
  253. ScottWeF August 12, 2023
  254. LorettaMourb August 12, 2023
  255. Tishajunda August 12, 2023
  256. Peterphymn August 12, 2023
  257. Emilyalgop August 12, 2023
  258. CarolynRakly August 12, 2023
  259. Georgianar August 12, 2023
  260. Larrybrops August 12, 2023
  261. NicholeSpilm August 12, 2023
  262. EvelynPak August 12, 2023
  263. Josephuriva August 12, 2023
  264. BarbaraCot August 12, 2023
  265. Angelimmow August 12, 2023
  266. Josephuriva August 12, 2023
  267. Qdtcjo August 13, 2023
  268. ScottWeF August 13, 2023
  269. DarylFig August 13, 2023
  270. Samuelgab August 13, 2023
  271. ClaudeInins August 13, 2023
  272. Charlespuh August 13, 2023
  273. Brentpielo August 13, 2023
  274. Oosqty August 13, 2023
  275. AmandafuM August 13, 2023
  276. BettyBot August 13, 2023
  277. BobbiBerty August 13, 2023
  278. Robertazed August 13, 2023
  279. TabithaMeamy August 13, 2023
  280. ChrisHurge August 13, 2023
  281. Rachelnotly August 13, 2023
  282. Donnahoupe August 13, 2023
  283. Angelimmow August 13, 2023
  284. Larrybrops August 13, 2023
  285. Peterphymn August 13, 2023
  286. Jamesfrism August 13, 2023
  287. Hazelflags August 13, 2023
  288. Ceciliabrult August 13, 2023
  289. Charlesgof August 13, 2023
  290. LucilleAxion August 13, 2023
  291. Angelimmow August 13, 2023
  292. Philiptup August 13, 2023
  293. Rebeccamef August 13, 2023
  294. Colleentus August 14, 2023
  295. Peterphymn August 14, 2023
  296. Susanneelemn August 14, 2023
  297. Opheliadourn August 14, 2023
  298. Edwarddrymn August 14, 2023
  299. AlbertRon August 14, 2023
  300. Jessicaves August 14, 2023
  301. Tamekahairm August 14, 2023
  302. HaroldOveve August 14, 2023
  303. Karintog August 14, 2023
  304. Normanuh August 14, 2023
  305. HaroldOveve August 14, 2023
  306. Robertenade August 14, 2023
  307. Graceasymn August 14, 2023
  308. Myrtlepoine August 14, 2023
  309. MariaJuilm August 14, 2023
  310. CrystalVom August 14, 2023
  311. ReneeMem August 14, 2023
  312. FreddyVek August 14, 2023
  313. Alisonnah August 14, 2023
  314. LauraTen August 14, 2023
  315. MelindaEdino August 14, 2023
  316. ChloeKnove August 14, 2023
  317. CarolynWew August 14, 2023
  318. Amandavop August 14, 2023
  319. Nancydeews August 14, 2023
  320. Natalienog August 14, 2023
  321. Maryanncit August 14, 2023
  322. Peggywep August 14, 2023
  323. Calvinrib August 14, 2023
  324. IngridVow August 14, 2023
  325. Peterphymn August 14, 2023
  326. MariaPoubY August 14, 2023
  327. Paulinekek August 14, 2023
  328. Cherylphofs August 15, 2023
  329. MariaNet August 15, 2023
  330. MarthaReesk August 15, 2023
  331. ElaineSiB August 15, 2023
  332. DonnaDew August 15, 2023
  333. Bronwyntom August 15, 2023
  334. Deirdreidiom August 15, 2023
  335. Ameliauniok August 15, 2023
  336. LizetteSturf August 15, 2023
  337. Edwarddrymn August 15, 2023
  338. Gloriatig August 15, 2023
  339. HeidiMit August 15, 2023
  340. AlbertRon August 15, 2023
  341. LorenEnert August 15, 2023
  342. Lindapam August 15, 2023
  343. Aliciaurivy August 15, 2023
  344. Doksju August 15, 2023
  345. Marilynkag August 15, 2023
  346. Amandacaulp August 15, 2023
  347. Carolynabrag August 15, 2023
  348. BerthaRib August 15, 2023
  349. Peterphymn August 15, 2023
  350. JocelynTeelo August 15, 2023
  351. Delorestek August 15, 2023
  352. Shawnovedy August 15, 2023
  353. FreddyVek August 15, 2023
  354. Reginaapole August 15, 2023
  355. Lindsayfus August 15, 2023
  356. Dorcaslef August 15, 2023
  357. Janetcrowl August 15, 2023
  358. ZelmaJox August 15, 2023
  359. Shawnovedy August 15, 2023
  360. Louisetox August 15, 2023
  361. Shirleyver August 15, 2023
  362. Wkwffi August 15, 2023
  363. Robertenade August 16, 2023
  364. ChrisHurge August 16, 2023
  365. AllanblinG August 16, 2023
  366. JoshuaFak August 16, 2023
  367. Edwarddrymn August 16, 2023
  368. AlbertRon August 16, 2023
  369. Peterphymn August 16, 2023
  370. DavidBam August 16, 2023
  371. DavidBam August 16, 2023
  372. Josephuriva August 16, 2023
  373. FreddyVek August 16, 2023
  374. Josephuriva August 16, 2023
  375. DavidBam August 16, 2023
  376. Josephuriva August 16, 2023
  377. DavidBam August 16, 2023
  378. Georgefralt August 16, 2023
  379. DavidBam August 16, 2023
  380. DavidBam August 16, 2023
  381. LorenEnert August 16, 2023
  382. Edwarddrymn August 17, 2023
  383. AlbertRon August 17, 2023
  384. ScottNourl August 17, 2023
  385. Robertenade August 17, 2023
  386. FreddyVek August 17, 2023
  387. RufinaSar August 17, 2023
  388. Meaganvek August 17, 2023
  389. Chelseyfruby August 17, 2023
  390. MarieArcag August 17, 2023
  391. MildredVus August 17, 2023
  392. AllanblinG August 17, 2023
  393. DorothyHup August 17, 2023
  394. Edwarddrymn August 17, 2023
  395. PamelaWap August 17, 2023
  396. CarrieDOX August 17, 2023
  397. AlbertRon August 18, 2023
  398. Mariesat August 18, 2023
  399. JuanaApaks August 18, 2023
  400. DavidBam August 18, 2023
  401. DavidBam August 18, 2023
  402. Cindabable August 18, 2023
  403. JoshuaFak August 18, 2023
  404. SoniaWooft August 18, 2023
  405. Glendadiz August 18, 2023
  406. MildredZem August 18, 2023
  407. Lilliannic August 18, 2023
  408. Groverbow August 18, 2023
  409. DavidBam August 18, 2023
  410. DavidBam August 18, 2023
  411. Sharicem August 18, 2023
  412. DorothyLit August 18, 2023
  413. WilliePhops August 18, 2023
  414. FreddyVek August 18, 2023
  415. Carolshive August 18, 2023
  416. DavidBam August 18, 2023
  417. Robertfathy August 18, 2023
  418. LorenEnert August 18, 2023
  419. Hhprrp August 18, 2023
  420. Edwarddrymn August 18, 2023
  421. MelanieFax August 18, 2023
  422. Georgefralt August 18, 2023
  423. AlbertRon August 18, 2023
  424. Gracekax August 18, 2023
  425. Robertenade August 18, 2023
  426. Kaitlynthile August 19, 2023
  427. JamesagogY August 19, 2023
  428. Bradleywromi August 19, 2023
  429. JamesagogY August 19, 2023
  430. JamesagogY August 19, 2023
  431. Bradleywromi August 19, 2023
  432. Bradleywromi August 19, 2023
  433. Bradleywromi August 19, 2023
  434. FreddyVek August 19, 2023
  435. Bradleywromi August 19, 2023
  436. Edwarddrymn August 19, 2023
  437. Bradleywromi August 19, 2023
  438. Kennethdeafe August 19, 2023
  439. Larryglike August 19, 2023
  440. AllanblinG August 19, 2023
  441. Kennethdeafe August 19, 2023
  442. Kennethdeafe August 19, 2023
  443. Larryglike August 19, 2023
  444. Kennethdeafe August 19, 2023
  445. Kennethdeafe August 19, 2023
  446. Larryglike August 19, 2023
  447. DannyPer August 19, 2023
  448. Larryglike August 19, 2023
  449. DannyPer August 19, 2023
  450. Larryglike August 19, 2023
  451. BeverlyZen August 19, 2023
  452. JoellaJeoke August 19, 2023
  453. DannyPer August 19, 2023
  454. DannyPer August 19, 2023
  455. AlbertRon August 19, 2023
  456. Sarahrix August 19, 2023
  457. Paulaher August 19, 2023
  458. Peterphymn August 19, 2023
  459. MaryannDob August 19, 2023
  460. JessicaFudge August 19, 2023
  461. RobertaRig August 19, 2023
  462. Junkodub August 20, 2023
  463. BeverlyJasia August 20, 2023
  464. DavidBam August 20, 2023
  465. Helenapest August 20, 2023
  466. Debrablode August 20, 2023
  467. ChrisLer August 20, 2023
  468. RhondaRob August 20, 2023
  469. Albinatrive August 20, 2023
  470. Nxijjk August 20, 2023
  471. DorothyBap August 20, 2023
  472. Crystalevals August 20, 2023
  473. HelenDIems August 20, 2023
  474. Hazelher August 20, 2023
  475. Anniepub August 20, 2023
  476. Beverlyrob August 20, 2023
  477. Brendaglava August 20, 2023
  478. EmilyVor August 20, 2023
  479. Michaelstect August 20, 2023
  480. GraceOvago August 20, 2023
  481. MavisMub August 20, 2023
  482. FrancisDably August 20, 2023
  483. JoyceGor August 20, 2023
  484. KimikoEline August 20, 2023
  485. RobertBiash August 20, 2023
  486. LucasCed August 20, 2023
  487. BarryTex August 20, 2023
  488. KathyDic August 20, 2023
  489. Hilaryzem August 20, 2023
  490. Heatherbopsy August 20, 2023
  491. PatsyAcano August 20, 2023
  492. LindaSip August 20, 2023
  493. Nancychurl August 20, 2023
  494. Heidirhync August 20, 2023
  495. GloriaInalp August 20, 2023
  496. SherylDow August 20, 2023
  497. Debraham August 20, 2023
  498. Sandraprorb August 20, 2023
  499. Donaldenupt August 20, 2023
  500. Lindadam August 20, 2023
  501. Ronnaorize August 20, 2023
  502. DavidBam August 20, 2023
  503. Sandyrog August 20, 2023
  504. JennyRoody August 20, 2023
  505. Amandasaisk August 20, 2023
  506. Dianawhela August 21, 2023
  507. Olivenof August 21, 2023
  508. Yukikocog August 21, 2023
  509. Bobbiecig August 21, 2023
  510. TamraZoomi August 21, 2023
  511. BeverlyPooto August 21, 2023
  512. MichalMache August 21, 2023
  513. MichalMache August 21, 2023
  514. JuanitanEdly August 21, 2023
  515. MichalMache August 21, 2023
  516. MichalMache August 21, 2023
  517. AlisonLep August 21, 2023
  518. Douglaslip August 21, 2023
  519. DollieBeigh August 21, 2023
  520. JeffreyNup August 21, 2023
  521. JoyceWoups August 21, 2023
  522. Jaredwem August 21, 2023
  523. Lindsayhauff August 21, 2023
  524. KevinBop August 21, 2023
  525. LucasCed August 21, 2023
  526. Annettesah August 21, 2023
  527. BarryTex August 21, 2023
  528. KarenHar August 21, 2023
  529. Snskbb August 21, 2023
  530. RebeccaWraby August 21, 2023
  531. Kathrynarila August 21, 2023
  532. SylviaSnola August 21, 2023
  533. Dianacew August 21, 2023
  534. JohnnieKip August 22, 2023
  535. JeffreyNup August 22, 2023
  536. DavidBam August 22, 2023
  537. Donaldenupt August 22, 2023
  538. Audreysig August 22, 2023
  539. LucasCed August 22, 2023
  540. JesusCleax August 22, 2023
  541. Margojed August 22, 2023
  542. Keithric August 22, 2023
  543. JesusCleax August 22, 2023
  544. BarryTex August 22, 2023
  545. Brandygum August 22, 2023
  546. RobertBiash August 22, 2023
  547. Rotband August 22, 2023
  548. DavidBam August 22, 2023
  549. Otoahr August 22, 2023
  550. Brandiejat August 22, 2023
  551. DavidBam August 22, 2023
  552. EugeniaScent August 22, 2023
  553. ShannonGam August 23, 2023
  554. DavidBam August 23, 2023
  555. Lucilezep August 23, 2023
  556. KarenRhics August 23, 2023