PalmPay Mojaloop Case Study

Creating a seamless “conversational payments” interface using Mojaloop

Meet PalmPay

PalmPay is a payment app that rewards their customers. Currently live in Nigeria and Ghana, the app lets customers send money between friends and pay for airtime, bills and more. PalmPay was launched in September 2019 and aims to become Africa’s largest financial services platform. They hope to launch 4 new markets in 2021. PalmPay has a partnership with the phone maker, Transsion, who are pre-installing PalmPay on Tecno, Infinix and Itel phones. In 2019, Transsion shipped 124 million handsets to Africa (around half of all phones sold on the continent).

What they want

PalmPay’s mission is to help 100m+ Africans advance their lives through access to relevant, reliable and affordable financial services within the next 3 years.

What they built

PalmPay built a demo that created a seamless “conversational payments” interface where merchants (including small scale, informal merchants, or individual entrepreneurs) can sell as they chat with customers.

How Mojaloop helps

Mojaloop allows customers to make payments seamlessly within the PalmPay chat interface by using the platform to store the buyers preferred payment information and then make the payment to the sellers.

Use Case

The Opportunities and Challenges

Single user ID

​The PalmPay team were excited about the prospect of using the customer’s phone number as the key identifier which they see as being an important part of their user flow.


They would love to explore the PISP flows in more depth (i.e. gaining authority before processing the transaction) as they believe this feature will become important in the future – it has a clear parallel with the open banking standards which are going to change the payment landscape in Europe and elsewhere.