PalmPay Flexi Cash, Invitation Code, Staff, Repayment

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Hello and Welcome, Today we’ll be discussing on PalmPay Flexi Cash, Invitation Code, Staff, Repayment

PalmPay is a leading Nigerian fintech platform providing affordable and accessible financial services to millions across the country. Features like Flexi Cash loans and referral rewards programs help expand their user base.

Since launching in 2019, PalmPay has quickly onboarded over 2 million users onto its digital banking platform. By focusing on the financially underserved market segment through mobile technology, Flexi Cash and other credit services present new opportunities for banking access.

Table of Contents

Getting Started with PalmPay

To start using PalmPay services you first need to:

Download the App

Get the PalmPay app on your Android or iOS phone from Google Play or App Store.

Register Account

Provide your personal details like phone number, email, and ID document copy to open an account.

Fund Your Wallet

Deposit money into PalmPay via bank transfer, debit card payment or cash deposit at an agent.

Explore Features

You can now access mobile banking features like payments, transfers, flexi cash loans and more!

Applying for a PalmPay Flexi Cash Loan

If eligible, PalmPay users can access Flexi Cash loans right from their app wallet. To apply:

Open Loans Section

Go to My Wallet > Loans and click “Apply for loan”.

Select Loan Details

Choose your preferred loan amount and repayment period.

Provide Information

Enter any additional personal details required for loan approval decision.

Get Flexi Cash

If approved, loan amount automatically deposits into your PalmPay wallet for spending.

Repaying PalmPay Flexi Cash Loans

To pay back your outstanding PalmPay loan:

Review Balance

Check current loan balance owed under My Wallet > Loans.

Confirm Payment Date

Your next due date for installment repayment will be shown.

Select Repay Amount

Choose to repay minimum installment, fixed amount, or pay back loan completely.

Make Payment

Transaction automatically deducts from your PalmPay wallet balance.

PalmPay Referral Rewards Program

PalmPay lets you earn bonus cash rewards for getting friends and family to signup using your promo code. Here’s how it works:

Find Rewards

In PalmPay app, go to Profile > Refer & Earn to access your unique invite code.

Share Code

Send invite code to new users during their PalmPay registration process.

Get Credit for Sign Ups

When referred users activate new PalmPay account using your code, you both earn reward money.

Withdraw Earnings

Transfer bonus referral cash from PalmPay wallet to your bank whenever you want.

PalmPay Flexi Cash, Invitation Code, Staff, Repayment

PalmPay Customer Service Team

PalmPay provides dedicated Nigerian-based customer support via channels like:

In-App Chat

Chat with live agents directly through the PalmPay mobile app interface.

Phone and Email

Call center +2 341 888 6888 or email

Social Media

Active support on Facebook, Instagram, Twitter and WhatsApp.

Web Support

Search help articles or submit tickets on PalmPay website support portal.

Benefits of Using PalmPay

Some of the key advantages PalmPay offers users include:

Financial Access

Digital banking platform focused on the underserved and Nigeria’s unbanked population.

Agent Banking

Nationwide network of physical agents for cash services like deposits and withdrawals.

Mobile Experience

Intuitive and user-friendly app interface makes banking easy.

Credit & Loans

Get approved for fast PalmCredit loans and Flexi Cash advances right from your wallet.

Refer & Earn

Invitation reward codes incentivize new customer signups while earning you bonus cash.

Support Channels

Dedicated Nigerian customer care via phone, email, social media and in-app chat.

FAQS About PalmPay Flexi Cash, Invitation Code, Staff, Repayment

1. How old do you need to be use PalmPay?

PalmPay requires users to be at least 16 years old to independently open a personal account according to their terms and conditions.

2. Can I have multiple PalmPay accounts?

No you are only allowed one PalmPay account per person for security and regulatory reasons. Each new account must have a unique phone number and ID verification.

3. Is there a cost to maintain my PalmPay account monthly?

No, PalmPay does not currently charge any monthly maintenance fees to keep accounts active, unlike some traditional Nigerian banks.

4. What should I do if I lost my PalmPay login details?

Contact the PalmPay support team to confirm your identity and regain account access. You can then reset your account password securely and enable any other lost security features.

5. Can I use PalmPay without a smartphone?

While the app requires a smartphone, you can visit PalmPay agent locations for services like cash deposits/withdrawals, airtime top-up and more without mobile data.

6. How do Flexi Cash loans affect my credit score?

Repaying your PalmPay Flexi Cash loans on time helps build your digital credit profile on platforms like SoftCheq. However, late repayments may negatively impact your credit score.

7. Who provides the cash for PalmPay Flexi Cash loans?

PalmPay partners with licensed financial institutions and lenders to provide the capital that gets loaned out to customers approved for Flexi Cash and other credit services.

8. How long does PalmPay referral bonus take to receive?

Your PalmPay wallet gets automatically credited with the referral reward cash as soon as the new user you invited signs up and verifies their account using your promo code.

9. Can I use my referral code multiple times?

Yes, you can share and use your unique PalmPay invite code an unlimited number of times. You will earn cash bonuses whenever a new customer successfully opens an account using your code!

10. Where are PalmPay customer service centers located?

PalmPay operates dedicated Nigerian-based customer support centers with local agents in cities like Lagos, Abuja, Port Harcourt and Ibadan available via phone, email or in-app chat.

11. What is the maximum loan amount on PalmPay?

The maximum Flexi Cash loan possible depends on your account standing and verified income level. New users typically get up to 10,000 Naira with larger loans up to 500,000 Naira for VIP clients.

12. Does PalmPay work without the internet?

You need an active internet connection to access the PalmPay app and related services. However basic functions like deposits or withdrawals are available offline at agent locations nationwide.

13. How do I update my phone number on PalmPay if it changes?

Login to your PalmPay app, go to account Profile and tap Phone Number to input and confirm your new active mobile contact updated in their system.

14. I was inactive and PalmPay closed my account. What can I do?

Contact the PalmPay support team with your account details and verification information for next steps on possibly reopening your closed account due to inactivity or suspended access.

15. Does PalmPay have any charges or fees?

Yes, PalmPay does charge minor fees on services like bank transfers, cash deposits/withdrawals, Flexi Cash loan processing and account upgrades to VIP level wallets.

16. How do I change my PalmPay PIN?

Login to your PalmPay app, go to Services > My Card > Change PIN and create a new 4-digit card PIN number for secure ATM and payment transactions.

17. Can I receive international payments into PalmPay?

No, inbound and outbound payments involving PalmPay wallet are currently restricted only to domestic Nigerian bank accounts for now.

18. How do I delete my PalmPay account permanently?

Contact the PalmPay support team via in-app chat, email or call to formally close your account. Outstanding debts must be cleared before account termination.

Read more: finance palmpay signup how to open palmpay account how to make payments send and receive money with palmpay


PalmPay seeks to empower Nigerian consumers by offering essential digital banking tools and financial services to millions of mobile phone users nationwide.

Get in touch with their customer care team if you have any other questions or needs managing your PalmPay wallet.

After reading this article know you know how to use PalmPay Flexi Cash, Invitation Code, Staff, Repayment.


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