Sending money to someone’s PalmPay account in Nigeria starts with the right receiving details. PalmPay accounts there hold money in Nigerian naira (NGN), but a phone number used to register an account is not necessarily the number needed to receive a transfer. This guide explains what to ask your recipient for, how to check the payout options in Coinepay Global Remittance, and how to follow up if the money does not appear.
Before you start: confirm the destination and receiving details
This guide covers a PalmPay Account in Nigeria. The Nigerian account details and verification rules described here should not be assumed to apply to PalmPay in another country. Ask your recipient to open their PalmPay app and provide the receiving details it displays for their account, along with their full name exactly as registered.
PalmPay describes a personal 10-digit receiving account number for its Pay With Transfer service. That number is distinct from the mobile number used to register for PalmPay. If a transfer form asks for an account number, use the receiving account number shown in the recipient’s app; do not replace it with their phone number. If a form instead asks for a registered phone number or a PalmPay account ID, check with Coinepay support which identifier that specific payout option requires before confirming.
Have the recipient verify the details directly in their app rather than relying on an old message or saved contact. A single mistyped digit can direct a transfer incorrectly or cause it to be rejected. You should also confirm that the recipient can access their PalmPay account and has completed the verification PalmPay currently requires.
How to set up the transfer in Coinepay
- Sign in. Open the Coinepay mobile app or self-service dashboard. If you are new to Coinepay, register and complete any identity verification requested before using the service.
- Start a Global Remittance transfer. Choose Nigeria as the destination. Enter the amount you want to send, following the prompts shown in your account.
- Check the payout methods offered. If a PalmPay mobile-wallet payout is offered for this transfer, select it and follow its instructions for the recipient identifier. Do not assume that a PalmPay wallet option is available for every transfer. If it is not offered, check whether an account-deposit option supports the recipient’s PalmPay receiving account number. Ask Coinepay support before proceeding if the available options do not clearly match the recipient’s details.
- Enter and check the recipient information. Supply the identifier required by the selected payout method and the recipient’s full registered name. For an account deposit, use the PalmPay receiving account number displayed in the recipient’s app. If Coinepay displays recipient details for confirmation, compare them with what the recipient provided; stop if they do not match.
- Review the transfer. Check the destination, payout method, recipient details, amount, exchange rate and fees shown in Coinepay before you confirm. The recipient’s Nigerian PalmPay account uses naira, so pay attention to the amount the review screen says the recipient will receive. If anything looks wrong, go back and correct it rather than submitting.
- Confirm and track. Confirm the transfer only when the details are correct. Keep its receipt or reference and follow its status in Coinepay’s transfer tracking. A debit or submitted status on the sender’s side is not, by itself, proof that the PalmPay account has been credited.
Available payout methods can depend on the transfer. If you cannot identify a supported route to the recipient’s PalmPay account in the Coinepay flow, do not select a different method and enter PalmPay details into unrelated fields. Contact Coinepay support to check the available route instead.
How the recipient checks for the money
Ask the recipient to sign in to their PalmPay app and check their account balance and transaction history for the incoming credit. PalmPay says completed Pay With Transfer payments appear in the balance linked to the receiving account number. The recipient should check the credited amount and transaction details against what you sent; the transfer status in Coinepay and the credit shown in PalmPay are two separate things to verify.
If the recipient does not see the money, ask them not to share passwords, PINs or verification codes with anyone. Instead, keep your Coinepay transfer reference and ask the recipient to retain any relevant PalmPay transaction information. PalmPay identifies transactions with a Transaction ID and provides support chat in its app for existing users. Those records can help both support teams investigate without guessing whether the payment reached the wallet.
PalmPay verification levels and wallet limits
PalmPay applies verification levels to Nigerian accounts. Those levels affect what an account can do and how much it may hold; PalmPay also publishes daily outgoing-transaction limits. An outgoing limit is not a general limit for each incoming payment. Even so, an incoming credit may be declined if it would put the account above its applicable balance cap. PalmPay may also apply a lower risk-based limit or restrict a transaction.
Ask the recipient to check their current verification status and applicable limits in PalmPay before you send, especially if they expect a substantial credit. Nigerian identity requirements include a BVN and/or NIN for the entry-level individual wallet tier and both for higher tiers. The recipient should follow PalmPay’s current in-app verification instructions; older descriptions of what was needed to open an account may no longer be sufficient. Do not send on the assumption that a recipient can raise a limit after the transfer has been submitted.
Troubleshooting a PalmPay transfer
Wrong number or recipient details
If you notice a wrong receiving account number before confirmation, correct it and check every digit again. If you have already confirmed, find the transfer in Coinepay and contact support promptly with its reference. Do not start a replacement transfer until you understand the status of the first one. A PalmPay registration phone number should not be substituted for a requested receiving account number.
Name mismatch
If a displayed recipient name differs from the full name the recipient gave you, pause. Ask the recipient to confirm the name and receiving details shown in their PalmPay app. Enter their real registered details; do not alter a name merely to make a form accept it. If the mismatch remains, contact Coinepay support before sending.
Wallet limit reached or account not verified
If PalmPay cannot accept the credit because of an account limit, ask the recipient to review their current balance cap and account status in PalmPay. An incomplete verification requirement can also prevent a wallet from receiving or using a payment. The recipient should complete any legitimate steps PalmPay requests through its app and seek PalmPay in-app support if the restriction is unclear. Do not split a transfer to try to work around a limit or check.
Transfer under review or money not showing
Cross-border transfers are subject to identity verification, sanctions screening and local regulations. Coinepay may request documents explaining the purpose of a transfer or the source of funds. Respond through the official Coinepay process and check the tracked transfer status before taking further action. If Coinepay shows a completed transfer but the recipient sees no credit, share your receipt and transfer reference with Coinepay support; the recipient can also use PalmPay’s in-app support chat and provide any PalmPay Transaction ID available. Neither a sender-side debit nor an unverified screenshot establishes that the recipient was credited.
Final check before confirming
Make sure the destination is Nigeria, the selected payout method supports the receiving details you entered, and the name matches the recipient’s PalmPay registration. Review the exchange rate and fees displayed by Coinepay, then keep the transfer reference for tracking. Coinepay does not serve sanctioned persons or residents of jurisdictions under comprehensive sanctions, and transfers remain subject to screening and applicable local rules. When the payout route or recipient identifier is unclear, resolve that question with Coinepay support before sending.
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FAQ
Can I use the recipient’s PalmPay phone number to send money?
Not unless the selected Coinepay payout option specifically asks for it. For an account transfer, use the PalmPay receiving account number shown in the recipient’s app.
What currency does a PalmPay recipient in Nigeria receive?
A Nigerian PalmPay account uses Nigerian naira. Review the recipient amount, exchange rate and fees shown in Coinepay before confirming.
What if I cannot find PalmPay as a payout option?
Check whether the available account-deposit option supports the recipient’s PalmPay receiving account number. If that is unclear, contact Coinepay support before sending.
Why has the recipient not seen the money?
Check the transfer status and recipient details first. A wrong number, name mismatch, wallet restriction, incomplete verification or compliance review may need attention. Keep your transfer reference and contact Coinepay support; the recipient can also use PalmPay in-app support.
