Business visit inquiry

I am schedule to attend an international congress meeting of my professional
association in Beinjing, China. I live in Port Harcourt and I am
planning to travel to the Consulate office in Lagos for visa but I am
not familiar with the process though I have visited your website.

Please confirm to me:

1. Can I walk in to the Consulate to apply for visa any day of the
week? Or is it restricted to Tuesdays and Thursdays only?

2. Is every Applicant required to attend an interview. If so, can I
submit my application and attend the interview same day or next day?

3. If my Bank is not among the 12 receiving banks listed on your website, can I still use my ATM card to pay the visa fee?