Accept PalmPay
without building the integration
PalmPay is a Nigerian mobile money and wallet provider with a large consumer base built on free transfers and agent distribution. For merchants it is a wallet acceptance channel: customers pay from a PalmPay balance they already hold rather than reaching for a card.
- NGN
- Region
- Nigeria
- Methods
- 3
- Credentials
- Server-side only
- PaymentHood fee
- None
- Status
- Live
What is PalmPay?
- Coverage
-
- Nigeria
Among the markets PalmPay serves — their own list is authoritative (opens in new tab).
- Currencies
-
- NGN
Among those supported. Which ones your account can charge in depends on its registered country.
- Fees
- Set and billed by PalmPay, who publish current rates on their own site (opens in new tab). PaymentHood adds nothing on top, at any volume.
- Official resources
- Website (opens in new tab)
Written against PalmPay's own documentation on . This page deliberately states no fees, no counts and no completeness claims, because those change without notice — for anything you are about to build on, PalmPay's own documentation (opens in new tab) is the authority.
PalmPay payment methods
Every method below runs through the same PaymentHood checkout. Turning one on or off is a dashboard setting, not a code change.
PalmPay wallet
Payment from the customer's PalmPay balance
Bank transfer
Transfer confirmed against the order
Cards
Card payment where enabled on the account
PalmPay fees and pricing
Two separate bills, and only one of them exists.
- What PaymentHood charges
- Nothing on your PalmPay transactions. No percentage and no per-transaction cut, at any volume. Every payment feature is free, and the optional Premium plan only adds white-label checkout branding.
- What PalmPay charges
- PalmPay sets its own rates and bills you directly. PaymentHood never sits between you and that invoice, so switching to or from PalmPay changes what you pay PalmPay and nothing else.
- What moves the rate
- Payment providers price per market and per method rather than as a single global figure. It also accepts 3 different payment methods, and card, transfer and wallet rails each carry their own cost.
- Where to check the figure
- PalmPay publishes current rates on their own site (opens in new tab). That is the authority, not this page. We deliberately quote no numbers here, because a rate that has quietly changed is worse than no rate at all.
How PaymentHood works with PalmPay
A direct PalmPay integration is not just an API call. These are the parts every team ends up rebuilding — and the parts PaymentHood ships already done.
- Credentials
- Merchant credentials with request signing, held server-side in PaymentHood
- Webhook security
- Signed payment notification, validated before an order is released
- Payment verification
- Server-side transaction status re-check before fulfilment
- Idempotent charge creation, so a retried request never double-charges a customer
- Automatic failover to another configured provider when PalmPay is unreachable
- One reconciliation view across PalmPay and every other provider you run
- Provider credentials never reach the storefront or the customer's browser
- Adding or switching a provider later is a dashboard change, not a re-integration
PalmPay integrations by platform
Install the free PaymentHood plugin for your store, then enable PalmPay in your dashboard.
How to connect PalmPay
Open your PalmPay account
Register directly with PalmPay and complete their onboarding. Funds settle from PalmPay into your own bank account — PaymentHood never holds merchant money.
Add the credentials to PaymentHood
Paste your PalmPay API credentials into the PaymentHood dashboard. They are stored server-side and never exposed to your storefront.
Enable it at checkout
Install the PaymentHood plugin for your platform, paste your PaymentHood API key, and PalmPay appears as a payment option. Test in sandbox, then switch to live.