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Adding Money

  • Tap the 'Add money' button on your home screen.
  • Select your linked bank account from the available options.
  • Enter the amount you'd like to add and confirm.
  • Authenticate the transaction using your bank's OTP or secure method.
  • Your Paylio balance will be updated instantly once verified.
  • Yes. All transactions use encrypted channels and secure banking APIs.
  • We never store your bank login credentials.
  • Authentication is done through OTPs or secure tokens issued by your bank.
  • Paylio is compliant with industry-standard security protocols.
  • Yes, you can add money using a joint account if you are an authorized user.
  • Make sure your name is listed on the account and matches your Paylio profile.
  • Some banks may require additional verification for joint accounts.
  • If the account fails verification, try linking a personal account instead.
  • Log in and tap 'Add Money'.
  • Select 'Bank Transfer' if you prefer a manual transaction.
  • Use the provided Paylio account number and reference code.
  • Initiate the transfer through your bank app or web portal.
  • Funds will be credited as soon as we receive the transfer—usually within 1 business day.
  • Yes! You can receive your salary directly in your Paylio wallet.
  • Provide your employer with your Paylio account number and bank code.
  • Once payroll is processed, the salary will appear in your balance automatically.
  • You’ll receive a notification confirming the deposit.
  • No, receiving money into your Paylio account is free.
  • Paylio does not charge for incoming bank transfers or salary deposits.
  • Some banks may charge outgoing fees, so always check with your bank.
  • You can view the complete fee breakdown in your transaction details.
  • Most transfers using a linked bank account reflect instantly.
  • Bank transfers done manually may take 1–3 business days.
  • You’ll receive real-time updates and push notifications once the amount is received.
  • Weekends and holidays may cause minor delays depending on your bank.

Wallet Creation

  • Download the Paylio app or visit the website.
  • Click "Sign Up" and complete the registration form with your personal details.
  • Verify your phone number and email address using the OTPs sent to you.
  • Once verified, your Paylio wallet will be created automatically and ready to use.
  • No, a bank account is not required to open a Paylio wallet.
  • However, linking a bank account allows you to deposit and withdraw funds easily.
  • You can still receive payments and store money without a bank account.
  • To verify your wallet, you’ll need a government-issued ID (e.g. passport, driver’s license).
  • You may also be asked to submit a selfie for identity verification.
  • For higher transaction limits, proof of address (like a utility bill) may be required.
  • Currently, each Paylio user can only create one wallet per verified identity.
  • This is to ensure compliance with anti-money laundering regulations.
  • For business users, sub-wallet functionality may be available upon request.
  • Paylio wallets currently support major global currencies like USD, EUR, GBP, and NGN.
  • Your default currency is based on your location, but you can enable multi-currency support.
  • Currency availability may vary based on regional regulations.
  • Yes, you can close your wallet by contacting our support team.
  • Ensure your wallet balance is zero before requesting account closure.
  • Once closed, all associated data will be deleted in accordance with our privacy policy.
  • Yes, your Paylio wallet can be accessed from anywhere in the world.
  • You can send and receive payments globally as long as local regulations permit it.
  • Some features may vary based on your country of use due to licensing and compliance laws.

Adding Money

  • Open the Paylio app or dashboard and tap on ‘Add Money’.
  • Select your already linked bank account from the list.
  • Enter the amount you want to add and tap ‘Proceed’.
  • Confirm the transaction with your bank’s OTP or authentication method.
  • Once verified, your Paylio balance will reflect the added amount instantly.
  • Yes, Paylio uses industry-standard encryption to protect all transactions.
  • Your bank credentials are never stored or shared with us.
  • Each transaction is verified via OTP or multi-factor authentication.
  • We monitor all activity 24/7 for potential fraud or unusual activity.
  • Yes, you can use a shared or joint bank account to add money to Paylio.
  • However, the account must be verified and linked under your Paylio profile.
  • Ensure you are an authorized user on the joint account for successful transfers.
  • In some cases, additional verification might be required for joint accounts.
  • Choose ‘Bank Transfer’ under the ‘Add Money’ section of your dashboard.
  • Paylio will display your unique virtual bank account details.
  • Use your banking app to send money to the provided Paylio account number.
  • Once Paylio receives the funds, your wallet balance will be updated automatically.
  • This method may take up to 1 business day depending on your bank.
  • Yes, your Paylio account supports direct salary deposits.
  • Provide your employer with your Paylio account number and routing code.
  • Salaries are deposited just like any standard bank transfer.
  • You’ll receive a confirmation notification as soon as the payment lands.
  • No, Paylio does not charge any fees for receiving money into your account.
  • However, check with your sending bank in case they apply an outgoing fee.
  • All incoming transactions are reflected in full in your wallet balance.
  • Fee breakdowns (if any) are shown in your transaction history.
  • Linked bank transfers typically reflect in your wallet within seconds.
  • Manual bank transfers may take 1–3 business days depending on your bank's processing time.
  • International transfers may take slightly longer due to currency conversion and validations.
  • You’ll receive instant notifications once the funds are available.

Paylio Card

  • The Paylio Card is a virtual or physical debit card linked directly to your Paylio wallet.
  • You can use it to make purchases online or in-store, just like a regular debit card.
  • The card uses your Paylio wallet balance to process transactions in real time.
  • It supports contactless, chip, and PIN-enabled payments.
  • Log into your Paylio account and go to the ‘Cards’ section.
  • Select ‘Request New Card’ and choose between a virtual or physical card.
  • Provide your delivery address (for physical cards) and verify your identity if needed.
  • Virtual cards are issued instantly; physical cards are delivered within 5–7 business days.
  • The Paylio Card is directly connected to your wallet balance—no separate loading needed.
  • Simply add money to your Paylio wallet using a linked bank account or other funding source.
  • Once funds are in your wallet, they are instantly available on your card.
  • Yes, the Paylio Card can be used for international transactions wherever major networks like Visa or Mastercard are accepted.
  • Foreign exchange fees may apply depending on the currency and location.
  • You can also view transactions in real time via your dashboard while traveling.
  • Yes, refunds from merchants will return to your Paylio Card just like any other debit card.
  • Refunds usually reflect within 3–5 business days depending on the merchant’s processing time.
  • You can also transfer funds to your Paylio wallet using supported payment methods.
  • Immediately log into your Paylio account and go to the 'Cards' section.
  • Select the lost/stolen card and click ‘Freeze’ or ‘Block’ to prevent unauthorized use.
  • You can request a replacement card by submitting a support request.
  • Your funds remain safe in your wallet even if the card is compromised.
  • Yes, daily spending and withdrawal limits may apply based on your verification level.
  • You can check and manage your card limits from the Paylio dashboard.
  • Some merchant types may be restricted for security or regulatory reasons.

Sending Money

  • Log in to your Paylio account and tap the ‘Send Money’ button.
  • Choose the recipient from your contact list or enter their wallet/email ID.
  • Enter the amount, add a note (optional), and select the funding source.
  • Confirm and authorize the transfer. The recipient will be notified instantly.
  • Yes. Every transaction is protected with end-to-end encryption and real-time fraud detection.
  • Transfers are authorized with OTP or biometric authentication.
  • Paylio never shares your financial information with recipients.
  • Yes, you can send money using their email or mobile number.
  • They will receive a notification with steps to create a Paylio wallet and claim the money.
  • If not claimed within 7 days, the transfer will be automatically canceled and refunded to you.
  • Yes, sending limits depend on your account type and verification level.
  • Unverified users have a lower daily/monthly limit for security reasons.
  • You can increase your limit by completing identity verification in the settings.
  • You can cancel a transfer only if it has not yet been accepted or completed.
  • Go to your transaction history, select the pending transfer, and tap ‘Cancel’.
  • Funds will be refunded to your Paylio wallet immediately after cancellation.
  • Sending money within your country using wallet balance is free.
  • International or bank-funded transfers may include a small fee, displayed before you confirm.
  • There are no hidden charges — Paylio always shows fees upfront before sending.
  • Most transfers are instant if both users have verified Paylio wallets.
  • Bank-linked or international transfers may take 1–2 business days depending on the destination.
  • You can track the delivery status from your transaction history at any time.

Wallet Management

  • Go to the ‘Settings’ tab within your Paylio dashboard.
  • Select ‘Profile’ or ‘Account Info’ to edit details like your name, phone number, or email address.
  • For security reasons, some changes may require OTP or ID verification.
  • Click ‘Save’ once the update is complete and confirmed.
  • Currently, your default wallet currency is set based on your region at the time of registration.
  • If you need to change it, contact our support team with a valid reason and documentation if required.
  • We plan to roll out multi-currency wallets in a future release.
  • Visit ‘Settings’ and scroll down to the ‘Close Account’ section.
  • You’ll be prompted to enter a reason and confirm your decision.
  • Ensure your wallet balance is zero and there are no pending transactions.
  • Your account will be permanently deleted after confirmation, and data will be removed in line with our privacy policy.
  • Click "Forgot password?" on the login screen.
  • Enter your registered email or phone number to receive a reset link or OTP.
  • Follow the instructions to set a new secure password.
  • If you're logged in, you can also change your password in Settings > Security.
  • Navigate to the 'Bank Accounts' section from the main dashboard or settings.
  • To link, click ‘Add Bank’, enter your bank details, and verify with an OTP or bank login.
  • To unlink, select the bank account and tap ‘Remove’ — verification may be required.
  • Note: Removing a bank account disables automatic transfers or debits from that account.
  • Immediately freeze your wallet by going to Settings > Security > Freeze Account.
  • Change your password and enable two-factor authentication (2FA) if not already active.
  • Contact Paylio Support through the in-app help center to report the issue.
  • We’ll investigate and assist you in securing your funds and account access.
  • Yes, Paylio can be accessed securely from multiple devices (phone, tablet, or web).
  • Each new login requires verification via OTP or biometrics depending on your settings.
  • You can view and manage active sessions from Settings > Device Activity.
  • To remove a device, simply log out remotely from the list or contact support if needed.

Adding Recipient

  • Log in to your Paylio account and go to the "Recipients" tab.
  • Click "Add Recipient" and enter the recipient’s full name, email, or wallet ID.
  • You can also add a mobile number if supported in your region.
  • Save the recipient to your list for quicker transactions in the future.
  • Yes, you can add and save as many recipients as needed.
  • Each recipient can be tagged or grouped (e.g., “Friends”, “Vendors”, “Team”).
  • Use the search bar in the Recipients tab to quickly find a contact before sending money.
  • At minimum, the recipient’s name and either their email, wallet ID, or phone number.
  • Bank account details (like IBAN or account number) are needed if you’re sending directly to a bank.
  • For international recipients, ensure you select the correct country and currency for the transfer.
  • Yes, head to your saved recipients list.
  • Select the recipient you want to edit or remove.
  • Click "Edit" to change any details or "Delete" to remove the recipient completely.
  • Note: You cannot delete a recipient involved in a pending transaction.
  • Yes, Paylio supports sending to international recipients in supported countries.
  • When adding a recipient, choose the country and ensure you input correct international banking details (like SWIFT code).
  • Some transfers may take longer due to currency conversion or compliance checks.
  • No. Adding a recipient to your account does not notify them automatically.
  • They are only notified when you initiate a transaction to their wallet, email, or bank account.
  • This ensures your address book is private until you're ready to send funds.
  • If no money has been sent, simply delete or correct the information.
  • If a transfer has already been made to an incorrect recipient, contact Paylio support immediately for assistance.
  • We’ll attempt to recover the funds, but successful recovery depends on recipient action and timing.