How Can I Get PalmPay ATM Card

An In-Depth Look at PalmPay QR Cards

PalmPay, the leading mobile payments provider in Nigeria, offers a convenient virtual QR card rather than traditional plastic debit or credit cards. With over 10 million users, PalmPay’s QR card allows customers to easily deposit, withdraw, send, and receive money as well as make payments directly from their mobile devices.

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What is a PalmPay QR Card?

A PalmPay QR card is a virtual card that is linked to your PalmPay account. It contains a unique QR code that you can scan at designated PalmPay agents and merchants to perform transactions.

Unlike traditional ATM cards, the PalmPay QR card has no plastic. It exists only within the PalmPay mobile app. Once you create a PalmPay account and complete the signup process, a digital QR card is automatically generated for you.

The QR code on the card contains encoded information that allows you to deposit, withdraw, send, receive, and make payments. When scanned, it identifies your PalmPay account and allows seamless transactions.

Pros of Using a PalmPay QR Card

There are many advantages to using PalmPay’s innovative QR card system compared to traditional banking cards:


With PalmPay’s QR card, your bank card is always at your fingertips on your mobile device. You don’t need to carry around a physical wallet or cards. The QR card eliminates the hassle of having to go to an ATM or bank branch for routine transactions.


The virtual nature of the QR card enhances security. If you lose your phone, you can easily deactivate the QR card remotely via the PalmPay app to prevent fraudulent use. The QR code is also encrypted end-to-end, adding an extra layer of security.


PalmPay’s vast network of agents and merchants where you can scan your QR card for transactions makes banking and payments universally accessible across Nigeria. urban and rural. You’re no longer limited to ATMs or POS terminals.


There are no costs associated with ordering, maintaining, or using the PalmPay QR card. Transactions also tend to be cheaper compared to traditional card payments. PalmPay does not charge annual fees, interest, or penalties like banks.

Financial Control

The PalmPay app allows you to easily monitor transaction history, manage spending limits, freeze accounts in case of loss or theft. You have better control over account activity.


Transactions via the QR card happen instantly. Funds can be transferred from one PalmPay user to another in real-time. There are no settlement delays as experienced with traditional banking networks.

How to Order a PalmPay QR Card

Ordering a PalmPay QR card is quick and simple via the mobile app:

Step 1: Download the PalmPay App

First, you need to download the PalmPay app, available for both Android and iOS devices. You can find the app on Google Play or the Apple App Store.

PalmPay on the Google Play Store

Step 2: Create an Account

Open the PalmPay app and create an account by entering your basic personal information such as full name, phone number, and email address. This signup process is quick and hassle-free.

Step 3: Complete KYC Verification

To complete signup, you’ll need to complete PalmPay’s Know Your Customer (KYC) process. This is mandatory for all customers to comply with financial regulations. It involves uploading a valid government ID such as national ID, drivers license or passport. You’ll also need to take a selfie for identity verification.

Step 4: Order Your QR Card

Once your PalmPay account is activated, click on the QR card tab and hit the “Order Card” button. Choose whether you want the QR card delivered to your address for a small fee or opt for free pickup from an agent location near you.

Step 5: Receive Your QR Card

Once you complete the order process, you’ll get your virtual QR card loaded into your PalmPay app within a few minutes. For physical card delivery, you will receive it at your doorstep within 3-5 business days. Pickup is also usually ready within 1-2 days.

And that’s it – you’re ready to start using your PalmPay QR card for seamless mobile money transactions! The quick digital issuance is a major benefit over traditional debit/credit card issuance which takes weeks via banks.

How to Use Your PalmPay QR Card

You can use your PalmPay QR card in a variety of ways via the app:

Cash Deposits and Withdrawals

Find an authorized PalmPay agent shop near you, tap “Cash In” or “Cash Out” in your app, scan your QR card to initiate the deposit or withdrawal, and hand over or collect cash. It’s the easiest way to turn digital money into physical cash.

In-App Transfers

Send and receive money instantly with any other PalmPay user. No bank details needed – just their username or registered phone number. In-app transfers are completely free.

Pay Bills & Buy Airtime

Use your QR card to pay your utility bills, TV subscriptions, school fees, etc. You can also top up your mobile airtime and data in a few taps.

Online Shopping

Link your PalmPay QR card on supported ecommerce sites and apps to pay seamlessly for online purchases and orders. It functions like a virtual debit/credit card.

In-Store Payments

Scan your QR card at checkout counters of stores with PalmPay POS systems to pay in-person. PalmPay has partnered with thousands of merchants so you can shop anywhere that displays “Pay with PalmPay” logo.

Request Money

You can create payment links and send via messaging apps to request money from others. When they click the link, your QR code auto-populates so they can scan and transfer funds to your PalmPay account.

As you can see, the possibilities are endless with the PalmPay QR card! It offers the functionality of a traditional debit or credit card but with added mobile convenience.

PalmPay QR Card Security Features

PalmPay prioritizes security when it comes to all transactions via the QR card. Some of the key security protections include:

  • PIN/Password: You need to set a PIN or password to access your PalmPay account and QR card. This prevents unauthorized access if your phone is lost/stolen.
  • Transaction Limits: Daily/weekly transaction limits prevent excessive fraud in case your account is compromised. You can customize the limits as required.
  • OTP Confirmation: Card payments and large transfers need additional one-time password (OTP) confirmation for authentication.
  • Remote Deactivation: If you lose your phone, you can log in on another device and instantly deactivate the QR card remotely.
  • QR Encryption: The QR code itself is encrypted end-to-end for each transaction, preventing duplication or interception.
  • SSL Encryption: All communications between PalmPay’s apps and servers are encrypted via SSL, protecting your personal and financial data.
  • Partner Vetting: PalmPay vets all agent partners, merchants, billers before onboarding to prevent fraud via the QR ecosystem.

By combining virtual cards with robust security, PalmPay’s QR card system balances convenience and protection for customers.

PalmPay Card Transaction Limits

PalmPay has implemented sensible transaction limits on QR card usage to prevent exploitation while allowing meaningful usage:

  • Minimum Transaction: 100 Naira (~$0.23)

This prevents fake micro transactions just to test stolen credentials.

  • Maximum Transaction: 300,000 Naira (~$697)

Caps extremely large transfers which have higher fraud risk.

  • Daily Withdrawal Limit: 100,000 Naira (~$232)

Prevents excessive cash withdrawals in case of account takeover.

  • Weekly Transfer Limit: 1,000,000 Naira (~$2,325)

Limits the damage from potential compromised accounts.

  • Monthly Transfer Limit: 2,000,000 Naira (~$4,650)

Additional protection against fraudulent transactions over time.

These limits make the QR card usable for everyday transactions while restricting large suspicious transfers. Users can request one-time increases for legitimate higher value transactions.

PalmPay Card Fees

One of the most attractive features of PalmPay’s QR card system is that there are no fees involved for holders. Here’s an overview:

  • No card issuance fee
  • No monthly maintenance fees
  • No cash withdrawal fees at PalmPay agents
  • No fees for transfers to other PalmPay accounts
  • No fees for utility bills, airtime, data top-up

The only charges are:

  • 150 Naira (~$0.35) fee for ATM withdrawals
  • 1.4% fee for payments to non-PalmPay bank accounts
  • Merchant fees on bill payments vary (usually 0-2%)
  • 50 Naira (~$

Downsides of PalmPay QR Cards

While PalmPay’s QR card offers significant benefits, there are some downsides to consider:

Limited Acceptance

Although PalmPay has the largest QR merchant network in Nigeria, acceptance is still limited compared to Visa/Mastercard cards which are accepted internationally. PalmPay QR payments only work within Nigeria.

Phone Requirement

You need a smartphone to access your PalmPay QR card, which excludes basic phone users from participating in the service.

Agent Reliance

You are dependent on PalmPay’s agent network availability for cash-in/cash-out services. If the nearest agents are far or experiences service disruptions, it limits access to cash.

Failed Transactions

Network errors occasionally lead to failed transactions after scanning the QR code. This can be frustrating when the error occurs after waiting in an ATM or POS queue.

Account Blocking Risks

There are numerous anecdotal complaints about improper account freezing by PalmPay’s risk algorithms, which suddenly restricts access to funds. Regaining access after wrongful blocks can be difficult.

Customer Service Limitations

Given PalmPay’s exponential growth, their customer service has struggled to adequately handle user queries and complaints. Long wait times and unresolved issues are common.

While the pros generally outweigh the cons, users should be aware of these drawbacks before relying solely on a PalmPay QR card.

PalmPay Card Customer Service

If you experience any issues with your PalmPay QR card, the app offers several customer service options:

In-App Chat

The PalmPay app has 24/7 chat support. You can send a message and typically receive a response within a few minutes from a PalmPay agent. This allows you to get quick help from within the app.

Email Support

If your issue requires more detail, you can email PalmPay customer support at Emails are usually answered within 8 business hours.

WhatsApp Support

PalmPay has a support line on WhatsApp at +234 700 333 8338. WhatsApp allows you to explain issues and also send screenshots/images to agents.

Phone Support

You can call PalmPay’s toll-free support line at 0700 333 8338. Talking to an agent directly can help resolve complex card issues efficiently.

Social Media

PalmPay is responsive to queries and feedback on their social media pages like Facebook, Twitter, and Instagram. This serves as an alternate feedback channel.

PalmPay Store Visits

For issues that require visiting PalmPay representatives in-person, you can find a list of PalmPay store locations on their website. Agents can verify ID and potentially unlock frozen accounts.

With multiple options available, PalmPay tries to ensure card issues get quick resolutions although wait times can still be long during peak periods.

PalmPay Card Scams To Avoid

As a new payments ecosystem, PalmPay unfortunately attracts some scammers trying to exploit users. Here are some common PalmPay QR card scams to watch out for:

Fake POS Devices

Fraudsters set up fake POS devices cloned to look like genuine PalmPay merchant hardware. When you scan your QR card, they capture your details. Only use POS systems at reputable locations.

QR Card Swap

Scammers may switch out your QR card on the app screen when you give them your phone to scan. They swap it with their own to collect your deposited/withdrawn cash. Keep your phone in your hand during scans.

Fake Apps

Malicious fake versions of the PalmPay app may phish for your account login details and QR card information. Only download PalmPay from the official Google Play Store and App Store.

POS Receipt Phishing

Beware of fake PalmPay POS receipts with embedded links that harvest your login credentials when clicked. Only enter your details on directly.

Suspicious Links

Call/email scams pretend to be PalmPay reps asking you to click a link to update your account, which ends up stealing your info. Never click unsolicited links – log in directly instead.

Account Takeover

Beware of calls/emails from scammers posing as PalmPay asking for your PIN/OTP to “unlock your account”. PalmPay will never ask for these details.

By being vigilant against these criminal tactics and transactions, you can safely benefit from PalmPay’s QR card. Report any suspected scams to PalmPay immediately.


In closing, PalmPay’s innovative QR card presents a new paradigm for accessing financial services via mobile devices. The virtual design provides convenience, security, accessibility, and affordability compared to traditional debit and credit cards.

While there are downsides like limited acceptance and technical issues, the pros outweigh the cons for most use cases. As Nigeria’s leading fintech company, PalmPay is poised for continued growth, which will expand the QR card’s capabilities and reach.

Overall, PalmPay’s QR card offers a glimpse into the future of banking in Nigeria. It provides a digital financial experience optimized for the mobile-first generation who want banking without traditional barriers. Adoption of QR payments is accelerating globally and PalmPay has established itself as a leader within the Nigerian market.


Is a PalmPay QR card free?

Yes, there are no costs for ordering, maintaining, or using your PalmPay QR card. The only fees are on certain transactions like withdrawals from ATMs.

Can PalmPay QR cards work on basic phones without internet?

No, you need a smartphone with mobile data or wifi connectivity to access your PalmPay QR card in the app. The QR card is digital-only.

Are my funds protected if I lose my phone?

Yes, you can remotely freeze your QR card within the PalmPay app on another device. Your money is held by PalmPay so it is protected from device loss.

Can I use my PalmPay QR card outside Nigeria?

Unfortunately no. PalmPay QR based payments only work within Nigeria at designated local agents and merchants. No international usage is supported.

How do I get a new PalmPay QR card if damaged?

Simply log into your PalmPay account in the app and go to Settings and Card Management to request a replacement digital QR card which will be updated in the app.

Can I transfer money from PalmPay to my bank?

Yes, you can cash-out funds from your PalmPay account to any Nigerian bank account for a 1.4% fee via your QR card in the app. Transfers are usually instant.

Is there a limit on QR card transactions?

PalmPay enforces limits on daily withdrawals (~100K Naira), weekly transfers (~1M Naira), and monthly transfers (~2M Naira). But you can request one-time increases for large transactions.

What happens if my PalmPay account is hacked?

Notify PalmPay immediately. They will freeze your QR card to prevent further fraudulent transactions. After verifying your identity, they will restore access to your account.

How do I reset my PalmPay app PIN/password?

In the PalmPay app, go to Settings – Security – Reset PIN/Password. You will need to confirm your phone number and email to reset credentials.


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