---
title: "PalmPay: Mobile Money and Payments in Africa"
description: "Send money with zero transfer fees, pay bills, save, borrow and cash in/out via agent network. Works in Nigeria and Ghana via USSD *861#."
canonical_url: "https://liners.com/palmpay"
markdown_url: "https://liners.com/palmpay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/palmpay/screenshot.png?v=1772986650295"
published_at: "2026-03-08T16:31:22.796Z"
updated_at: "2026-10-06T18:55:11.721Z"
---

# PalmPay: Mobile Money and Payments in Africa

Send money with zero transfer fees, pay bills, save, borrow and cash in/out via agent network. Works in Nigeria and Ghana via USSD \*861#.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [PalmPay](/palmpay)

## Summary

Mobile money, savings, bills, and agent cash services

A mobile-first digital banking and mobile money platform for individuals and businesses in Africa, offering transfers, savings, bills, credit, and merchant tools.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.palmpay.co/ |
| Tagline | Mobile money, savings, bills, and agent cash services |
| Primary country | Nigeria |
| Platforms | iOS, Android, Web, API |
| Average rating | 4.1 |
| Published reviews | 58 |
| Verified listing | Yes |

## About the product

PalmPay is a mobile-first digital banking and mobile money platform for consumers and businesses in Africa, with a focus on everyday payments and financial access.

Key capabilities include:

- **Money transfers and payments** including free peer-to-peer transfers (zero transfer fees) and bill payments across a network of **300+ billers**
- **Savings and embedded finance** such as **high-yield savings plans** and **insurance products** integrated into the app experience
- **Credit and business tools** including credit products and **merchant payment solutions** designed to support day-to-day commerce
- **Access and security features** such as a **USSD channel (861#)* for transactions without internet access, **biometric authentication**, and **real-time (AI-powered) fraud monitoring**

Available on **Web**, **Android**, **iOS**, and **USSD** (*861#), with **API** access.

It follows a **B2B2C** model, serving individual users through its mobile app while working with partners and a **500,000+ mobile money agent network** to enable cash-in and cash-out services.

Notable in the African fintech market for its scale and reach, it reports **30+ million registered users**, operations across **Nigeria, Ghana, and Tanzania**, a **99.5% transaction success rate within 10 seconds**, and licensing as a **mobile money operator by the Central Bank of Nigeria**.

## Features

- [Fintech](/categories/fintech): Category
- [Agent Network](/tags/agent-network): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/palmpay/alternatives)
- [Reviews](/palmpay/reviews)
- [Transparency](/palmpay/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/palmpay)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)