For Happiness, a young Nigerian entrepreneur, the answer manifested in the most defining moments of her life.

Trust Built Through Everyday Use

In 2025, Happiness relied on PalmPay to run her business, from receiving customer payments, paying vendors, and managing daily transactions.

During PalmPay’s Hustle Grant Campaign, she joined thousands of small business owners hoping to win the N500,000 funding.

While she didn’t make the shortlist, the campaign gave her business something just as valuable: visibility. New customers discovered her brand, enquiries increased, and sales followed.

PalmPay didn’t just host a campaign; it created an ecosystem where small businesses could be seen and supported.

Just days later, Happiness’ life changed. On August 30, 2025, she lost her father. With this loss came challenges, especially payments.

They tried transferring money through regular banks but were met with declined transactions. Happiness suggested using her PalmPay account and it was successful.

In a moment defined by loss and urgency, PalmPay cut through the chaos, proving that reliability isn’t a feature, it’s a lifeline.

Happiness’ relationship with PalmPay didn’t stop at transactions. Through other management tools on the app, she learned to build discipline around her finances.

More Than an App, a Financial Partner

Beyond transactions, PalmPay’s tools helped Happiness build better money habits and financial discipline. Today, the brand continues to reward reliability through initiatives like its ongoing Premier Cool campaign, reinforcing a simple message: consistency should come with value.

The idea is simple: Purchase a bar of soap and stand a chance to get ₦10,000cash and other cash benefits.

It’s PalmPay’s way of saying that smart money habits deserve real value in return.

Why PalmPay Earns Trust

Life doesn’t give warnings before it tests you. When it does, you need a platform that doesn’t just usually work but always works.

For many users, PalmPay proves to be more than a payment app. It is a trusted partner powering ambitions, supporting users through defining life moments, while helping them bank smartly.

When it mattered most, PalmPay worked.

To watch the full testimonial visit: @palmpayapp_ng

So, if you’ve ever wondered how best you can use your PalmPay app, here are five smart ways people are using it to make everyday life easier and more rewarding.

1. Sending Money Without Charges

A typical Nigerian carries out dozens of transactions weekly, and those bank charges can quietly add up over time. With PalmPay, users enjoy unlimited free transfers to any bank, and transactions are instant. You can send and receive funds to any bank account or PalmPay wallet in seconds; no delays, no hidden fees.

Smart tip: Once you type the first few digits of an account number, PalmPay automatically suggests the recipient, saving you time and making future transfers even faster.

2. Reliable Transfers, Always

PalmPay users enjoy fast, dependable transfers thanks to the platform’s 99.9% transaction success rate powered by its own payment infrastructure. It’s smooth, reliable, and eliminates the classic “Oya refresh your app” moment we all know too well.

Smart tip: PalmPay notifies you of the recipient’s network status before completing a transfer which helps users avoid failed transactions.

3. Paying Bills Without Stress

From electricity and data to cable TV and other essential bills, PalmPay makes payments simple. Everything you need is right there in one app, no queues or multiple logins. And the best part? You earn cashback and PalmPoints every time you pay.

Smart tip: Get up to 3% cashback on certain bill payments and transactions. Check the app for ongoing promos.

4. Saving More

PalmPay isn’t just for spending, it’s built for building wealth too. With multiple savings products like CashBox, Spend and Save, Target Savings, and Fixed Savings, users can set money aside automatically and earn up to 20% interest annually.

Whether you’re saving for rent, a trip, or to grow your business, PalmPay helps you stay consistent and intentional.

Smart tip: Name your savings goals “House Rent” or “Emergency Fund” to stay motivated.

5. Getting Rewarded for Everyday Transactions

Who says banking has to be boring? PalmPay gives users rewards through cashback and PalmPoints for everyday actions like buying airtime, paying bills, and referring friends. It’s simple; the more you use it, the more you earn.

Smart tip: Check the app to track your PalmPoints, trial cash, and other reward offers.

The Smarter Way to Bank

PalmPay is licensed by the CBN and insured by NDIC, so users’ money stays protected. With features like night guard, transaction guard, PIN, and fraud monitoring, users enjoy secure and stress-free banking.

From students to business owners, more Nigerians are choosing PalmPay for fast, secure, and rewarding transactions, just the way banking should be.

The exciting campaign, which kicked off on June 19, 2025, will run until August 23, 2025, rewarding loyal customers with fantastic prizes and exclusive bonuses.

Since the promo commenced, users have won prizes ranging from Oraimo Earbuds to Infinix Hot 40i.

The ongoing weekly campaign has recorded 20 winners, which include:

• Michael Emmanuel from Lagos emerged as the winner of an Infinix Hot 40i
• Perpetual Amos, winner of an Infinix Hot 40i
• Semiu Adekunle Abegunde, winner of an Infinix Hot 40i
• Josiah Oluwasegun Adewale, winner of an Oraimo Earbuds

Michael Emmanuel from Lagos recounted his experience as the lucky winner of the Infinix Hot 401 as he couldn’t hide his excitement.

He noted,

“I am so excited! I didn’t even expect it. I received a call while I was sleeping, informing me that I’d won, and I went live immediately to confirm it was real. I’ve been using PalmPay for about two years now, and winning this is such a great feeling. I’ll keep using PalmPay, and I encourage everyone to recharge their Glo line on the app; you could win too.”

The campaign, which is in its last week, has winners revealed every Friday during a live raffle draw streamed across PalmPay’s social media channels.

The campaign gives customers the chance to get amazing prizes, including an iPhone 15 Pro, an Infinix Hot 40, and many other exciting rewards.

Users also enjoy up to 6% cashback when purchasing Glo airtime or data via the PalmPay app.

New Glo data subscribers who have not signed up for a plan in the past 90 days will also receive a 100% bonus on their recharge during the promo period.

How to participate:

1. Download the PalmPay app.
2. Link your Glo number in the app.
3. Purchase airtime or data via PalmPay; every transaction increases your chances of winning.
4. Join the live draw

It’s not a policy wrapped in confusing paperwork or unreachable terms. It’s simple. It’s affordable. It’s right in her pocket.

That’s the future PalmPay is building, and it’s happening now.

The digital banking giant, already a household name in Nigeria’s fintech landscape, has taken a bold new step by partnering with top-tier insurance providers to offer seamless insurance coverage directly within its app.

From health and life insurance to device protection, this rollout marks a significant leap toward democratizing financial security for millions.

A New Chapter in Financial Inclusion

Nigeria, Africa’s largest economy, still grapples with a stark reality, less than 9% of its population is covered by health insurance. For years, barriers like low awareness, affordability, and mistrust have made insurance seem like a luxury for the few.

PalmPay wants to change that narrative.

“Insurance is often seen as complicated or out of reach, especially by underserved communities,” said Habib Kowontan, Head of Wealth Product at PalmPay. “We’re changing that by making insurance as easy to buy and manage as airtime or electricity on the app. This is inclusion in action.”

Technology Meets Humanity

With over 35 million users, PalmPay is more than just a platform—it’s part of everyday life for Nigerians from cities to rural towns.

Its latest insurance feature is designed to strip away the complexity of traditional insurance. Through intuitive design and clear options, users can now protect their health, lives, and phones with just a few taps; no agents, no jargon, no hidden fees.

The feature complements PalmPay’s growing ecosystem that already includes money transfers, bill payments, savings, and debit cards, making it one of the most holistic digital financial services platforms on the continent.

A Mission Rooted in Empowerment

“This isn’t just a feature, it’s a movement,” said Chika Nwosu, managing director of PalmPay. “We’re building a digital platform that empowers people not just to spend and save, but to live with greater peace of mind. With insurance now part of that journey, we’re redefining what financial access truly means.”

It’s a vision that’s as ambitious as it is human: to put protection in the hands of everyday Nigerians, no matter where they live or what they earn.

The Road Ahead

For PalmPay, this is just the beginning. The integration of insurance marks a key milestone in its journey to become a trusted financial partner, not just a payments app, but a tool for life, growth, and resilience.

As the country moves towards a more inclusive digital economy, PalmPay is ensuring that no one is left behind, not the roadside vendor, not the student, not the farmer. Because everyone deserves a safety net. And now, thanks to PalmPay, they can carry it in their hands.

In our fast-paced world, there are details we naturally ignore due to urgency. Imagine making a call and your airtime finishes, the first thing you want to do is to quickly top-up your airtime within the minute to return to the call.

To make payment seamless, PalmPay has an in-app payment feature called Priority Payment Method, that eases transactions.

What is the Priority Payment Method?

The feature allows you to choose the primary payment method for which multiple payment options are allowed, such as airtime/data top-up and bill payments.

What you need to know?

1. Your selection will be the first option for airtime/data top-up and bill payment.
2. The feature does not apply to transfers, PayShop, withdrawal, savings and the likes.
3. If your set priority payment method is not available, the system will automatically choose the next available payment method.

How to Set Your Priority Payment Method

1. Open the PalmPay app and go to Settings
2. Click ‘Payment Setting’
3. Select ‘Priority Payment Method’
4. Choose the Priority Payment Method that suits you best!

As always, you can reach out to us via social media for customer support.

Exclusive Offer Alert

Whether you’re treating yourself or surprising a friend, simply log in to the PalmPay app to enjoy an exclusive 5% discount on your gift card purchase. This fantastic offer runs from July to September 2024, so don’t miss out!

Why PalmPay Gift Cards Are a Game-Changer:

1. Extensive Selection: Access a wide variety of gift cards for popular platforms like iTunes, Spotify, Amazon, Google Play Store, and many more. Shopping has never been this convenient!
2. Reliability: Purchase with confidence knowing that your gift card will work seamlessly. PalmPay ensures a remarkable 99.5% transaction success rate.

How to Get Your Gift Card:

It’s incredibly simple:

1. Download the PalmPay App: If you haven’t already, head over to the Google Play Store or iOS Store and download the app.
2. Open the App: Launch the PalmPay app on your device.
3. Select Your Gift Card: Navigate to the ‘Gift Card’ section, choose your country, select the desired amount, and complete your payment.

Voila! Your gift card is ready to use.

Join the Celebration

Do you know someone who’s been having trouble getting a gift card? Spread the word and share this amazing news with them. For more details and updates, be sure to follow us on our social media channels.

Enjoy your shopping experience with PalmPay

You’ll find the best business opportunity there, with PalmPay being the most rewarding fintech to bank with.

With over 30 million users and 1.1 million businesses, including 600,000 merchants and 500,000 agents as part of its cashless payment ecosystem, PalmPay is a perfect platform for those looking to make money in the digital banking space.

One major reason why PalmPay stands out among other competing brands is that its users can send and receive money seamlessly, pay bills effortlessly, and shop with ease, all while earning discounts and cashback performing these tasks.

In Nigeria’s fintech space, no other brand has these financial offerings, except PalmPay. Data even shows that PalmPay has the highest rating on Google Play store in the fintech space.

This article covers the top six most popular features of the PalmPay app that anyone can use to make money from referrals, betting, cashback and discounts, sales and a distinctive financial offering by PalmPay called the Trial Cash.

1. Refer & Earn

PalmPay’s Refer and Earn feature is a perfect marriage between your contact list and the app’s innovative financial payment offerings. Inviting people you know to register on the PalmPay app and transact can earn you extra good money.

How does it work? When you invite anyone on your contact list using your invite link on the app dashboard, PalmPay pays you for every successful download of the app and transaction that your invites go ahead to make through your referral link.

A fee of N250 is paid to you for every successful referral. You’ll then need to complete five referrals to be eligible to withdraw from your PalmPay wallet for spending from as low as N2,000 and as much as you can earn through successful referrals.

2. Sports Betting

There are several ways to fund your sports betting account, but none comes close to using PalmPay. This UEFA EURO ‘24 season, PalmPay is bringing you an exciting opportunity to win fantastic prizes, including an iPhone 15 Pro and amazing cash rewards in its Bet and Win Big promo in partnership with iLOT, BetWay, BetCorrect, AccessBet and BetKing. Join in the thrill of the tournament while boosting your chances to win big with our special betting deposits campaign.

From June 14th to July 15th, 2024, make your betting deposits and stand a chance to win an iPhone 15 Pro and share in millions of cash prizes.

2. Airtime to Cash

You will agree that converting airtime to cash to earn money is an interesting idea. Do you remember back then when you bought more airtime than you needed and didn’t know what to do with the extra airtime? This feature erases that dilemma.

This feature, the first of its kind by a digital payment platform, enables PalmPay users to convert airtime to cash at ease, following just a few simple steps, after which the money equivalent is credited to their PalmPay wallet for onward spending.

As a PalmPay user, should you ever have extra airtime that you do not intend to use and want cash in exchange, all you have to do is click on the Recharge2Cash icon on the app, select the SIM network, enter the OTP sent to your phone, then select the amount you want to convert to cash and finally click on convert.

3. Cashback & Discounts

PalmPay is big on cashback and discounts. You get rewarded coupons or PalmPoints for almost every transaction on the app, from electricity, airtime and data to cable TV subscriptions. The cashback and discounts are respent on the app.

The cashback and discounts apply for the first five bill payments that you make in a month and range from 15 PalmPoints for your first airtime recharge of N100 to a 2% bonus in PalmPoints when you pay for Cable TV and electricity.

PalmPay offers new users various coupons for them to get cashback and discounts on the bouquet of services available on the app. PalmPay users have the privilege of paying less than the market value for the numerous services on the app.

4. In-app Promotions

Periodically, PalmPay rewards users with various in-app promotions which involve the users undergoing activities. One such is the ongoing 2023 AFCON tournament which PalmPay is partnering with TECNO, StarTimes and Bet9ja.

Users who take part in the PalmPay AFCON Soccer Fiesta stand a chance to share N108 million and win free StarTimes subscriptions, betting coupons and loads of cashback.

Ready to kick off the excitement and make money doing so? Open your PalmPay app now and dive into the AFCON Soccer Fiesta for a chance to win big!

5. Trial Cash

Another first of its kind by any digital payment platform, the Trial Cash is a distinctive reward designed to let you explore the benefits of the app’s flexible savings feature. As with most PalmPay features, this comes with exciting rewards.

The PalmPay Trial Cash is not real money, however, users of the app are rewarded with a spendable daily interest of 16 per cent per annum sent into their wallet, which they can then go ahead and use to perform different transactions on the app.

Users can earn Trial Cash by completing daily tasks on the app such as transferring to a PalmPay wallet or adding money to their wallet from their bank account or agent.

Conclusion

If you plan not only to spend money this 2024 but also make money, there’s no reason why you should use any other digital payment platform for your transactions. PalmPay offers you incentives that no other platform does.

Not using PalmPay for your daily transactions? Go ahead and download the PalmPay app, follow the CBN KYC directive to update the app with your BVN and NIN and continue to perform transactions and make good money.

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Big on secure digital payments, leading fintech platform PalmPay offers digital financial tools such as PalmPay Business app and Point of Sales (POS) machines for business owners to collect payments from customers and help grow their sales and increase profit.

As of 2023, PalmPay’s cashless payment ecosystem processed up to 15 million daily transactions and $6 billion monthly transaction value, earning it one of the highest retention rates in the market, with 75% of users returning every month to transact.

More than 40 million people, representing 1 in 5 Nigerians, trust PalmPay’s network to shop and pay for utilities monthly.

This number represents the number of people who have accessed PalmPay services through its secure and seamless smartphone apps or merchant and agent networks.

PalmPay POS

One challenge faced by business owners before the coming of fintech platforms was the lack of more options to receive payments. With fintech apps or POS machines, businesses can now effortlessly receive payments.

Since launching in Nigeria in 2019 under a Mobile Money Operator (MMO) license, PalmPay has grown to over 30 million users and 1.1 million businesses, including 600,000 merchants and 500,000 agents, as part of its cashless payment ecosystem.

The PalmPay POS is fully certified by the Central Bank of Nigeria (CBN) and Nigeria Inter-Bank Settlement System (NIBSS) and supported by private organizations in Nigeria’s financial industry to receive payments from customers.

The over 600,000 merchants using the PalmPay POS experience an impressive 99.5% success rate and enjoy loads of other financial benefits on daily transactions.

PalmPay App

The PalmPay app is the jewel in the crown of digital payment platforms for business owners in Nigeria. The PalmPay app held the top spot on the Nigerian Google Play download chart as the most downloaded finance app for a long time.

One thing that makes PalmPay attractive is its reward system. Both business owners and their transacting customers get rewarded using the PalmPay app. Each time your customers make payments, they get discounts and cashback.

Customers enjoy cashback when they use the ‘Pay to Shop’ feature on the PalmPay app. With the PalmPay ‘Pay With Transfer,’ customers can experience a better way to shop and pay in-store by earning exclusive cashback.

Buyers using the PalmPay app can pay via the ‘Pay Shop’ feature to a network of over 500,000 shops, restaurants, and street vendors who accept the ‘Pay with Transfer’ and earn up to N500 cashback daily when paying the merchants.

Businesses or merchants of all sizes can display or paste the PalmPay Brand Mark Poster with their Merchant Account and accept payment from any Nigerian bank with the PalmPay app with no additional fee for any hardware.

Also, customers who make payments for purchases to traditional bank accounts of businesses through the PalmPay app enjoy discounts and cashback.

Why Use PalmPay?

As a small business owner, deciding to use PalmPay has its benefits. One is its reliable network. As the industry’s leading, reliable and seamless fintech platform, 99.5% of transactions are successful on the PalmPay app.

Then there are discounts. Unlike other competing fintech platforms, PalmPay offers its users several exciting discount packages and bonuses whenever they transact with the app, including 90 free monthly transfers to other banks.

How to Get Started

Entrepreneurs looking to get POS machines to receive payments for their business can fill out the application form with their personal and business details, including their name, address, phone number, and email address, and submit it for approval.

Are you interested in becoming a merchant? Download the PalmPay Business app from the Google Play store and join the thousands of businesses on the platform.

In the world of unending bank charges, PalmPay is an oasis in the desert. So, yes, turn your small business’s New Year resolution of “No gree for anybody” into a challenge on how to grow your business and earn more money.

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While some might fall victim to “What I Ordered VS What I Got”, many more will complain of failed transactions, with others at risk of being defrauded by hackers phishing for personal information using fake shopping websites.

Shopping – especially during the holiday season – is supposed to be fun and not cumbersome. To ensure you get the best shopping experience for the remainder of this holiday, you should use trusted digital payment options.

One payment platform that offers a secure and seamless shopping experience with its app and Point of Sales (POS) terminals and other benefits like a reliable network, discounts and bonuses and free transfers, is leading fintech company PalmPay.

PalmPay takes the lead in Nigeria’s digital payment.

The lack of product variety and payment options was once a drawback to traditional retail outlets. The coming of fintechs changed the way we shop in brick-and-mortar stores.

Reliable Network

First, you need a fintech platform that works, one whose network is 100 percent reliable. As the industry’s leading, reliable and seamless fintech platform, 99.5% of transactions are successful on the PalmPay app.

Discounts & Bonuses

Unlike other competing fintech platforms in the industry, PalmPay offers its users several exciting discount packages and bonuses whenever they pay bills, shop, send and receive money using the PalmPay app.

90+ Free Transfers

In the world of unending bank charges, PalmPay is an oasis in the desert. The fintech app offers users 90 free transfers monthly to other banks. This should make your holiday shopping interesting and so much fun.

To enjoy these benefits and have a smooth shopping experience during this holiday season, simply

1. download the PalmPay app
2. verify your BVN or NIN
3. start transacting
4. follow PalmPay on all social media platforms to enjoy discounts and bonanza

In compliance with the CBN Directive on promoting financial system stability by strengthening the Know Your Customer (KYC) procedure for customers, PalmPay launched a new security in-app version that mandates all new users to input their BVN or NIN numbers before a wallet can be created.

New and existing Users are urged to be compliant by inputting their BVN or NIN numbers to enjoy the benefits.