The Business Wallet That Makes
Cross-Border Trade Simple

From Lagos Nigeria to Yaoundé , Cotonou Benin Republic, Niamey , and beyond 🌎 — manage payments across Africa with one secure wallet. PAL lets you hold, send, receive, trade, and exchange money in multiple local currencies — instantly and without hidden fees.

Google Play App Store
PAL Mobile App
banner

Built for
African Trade

Join thousands of importers, exporters, and growing businesses who trust PAL for reliable, secure, and seamless payments across borders.


Hold & SWAP

NGN

Hold & SWAP

XOF

Hold & SWAP

XAF

Hold & SWAP

CAD
Video Cover
Trade freely, Pay flexibly
PAL makes trade from Nigeria to buyers across
Africa faster and easier.
PAL Map

Direct Bank & Mobile
Money Transfers

Our digital business wallet seamlessly
supports multiple currencies, including
XOF, NGN, GHS, XAF, and CAD, making business
transactions across cities, countries, and continents are
effortless.

Paiement Afrique

Community powered
By Over Fifty thousand Businesses

Google Play 4.7 out of 5
App Store 4.8 out of 5
A very good application, especially for merchants who do business in Nigeria. I highly recommend this app. It’s great !
PAL has truly made my life easier when it comes to sending and receiving money quickly. Simple interface, fast transactions.
You used to have to walk miles to make a transfer, but thanks to PAL, everything can now be done without moving !
It helps me manage transactions quickly and securely. Thank you, and please keep bringing us more attractive offers.
I highly recommend the app to everyone, especially merchants who operate in money transfers from French-speaking countries.
I was looking for a payment processor, but I got much more a bank in my hands. It’s amazing. I recommend PAL for transfers in Cedis.
This transfer app is very useful. We pay our suppliers everywhere directly. The customer service is very active...🥳
I just made a transfer to Wema Bank in Nigeria. The transaction was fast and very smooth.
It’s the first time I’ve seen such a fast online bank. Please also add Moov Money, as well as USD and EUR services. For now, you are the best.
A truly amazing app — I only discovered it very recently, but it’s really incredible and very useful.
A very good application, with customer service that responds on WhatsApp within minutes. Honestly, it’s great — nothing
Active and fast customer service. This app is wonderful. No more long queues.
Very convenient for making payments. I use it especially for payments in Nigeria. Consider adding more countries.
Thanks to the developer of this application. It has really made things easier for me. Very smooth and very fast.
Automatic processing 😍 their service is truly very satisfying.

Payment Link
For Commerce

Create your payment link and share it with anyone. Get paid in multiple currencies — even if your customers don't use PAL.

  • 1 Get your payment link
  • 2 Share your link
  • 3 Get paid in NGN, XOF, XAF and more
Virtual Card Visual
COMING SOON

Virtual cards
for a cashless world.

  • Request your virtual dollar card in minutes
  • Spend safely online with your Mastercard
  • Customize your card to match your taste

International Money Transfer

Convert at the Best Rate.

Send money easily anywhere in the world. Select your currencies and see the received amount instantly.

All currencies (XOF, GHS, NGN, CAD, XAF, BIF) can be exchanged instantly with each other.

Send Money Now

See Our Rates

XOF
Senegal XOF
Benin XOF
Ivory Coast XOF
Cameroon XAF
Nigeria NGN
Ghana GHS
France EUR
Germany EUR
Canada CAD
United States USD
XOF
Senegal XOF
Benin XOF
Ivory Coast XOF
Cameroon XAF
Nigeria NGN
Ghana GHS
France EUR
Germany EUR
Canada CAD
United States USD
Exchange Rate 1 EUR = 656 XOF
Transfer Fee Zero
We will convert 100 EUR
You will be charged 100 EUR
Estimated Arrival 3 - 5 minutes

We care about how

you move your money

Save on fees

Send more money to anyone with low or zero fees.

Send and receive

Send money to your friends using their phone number. Peer-to-peer payments made simple.

Best exchange rates

Fair and competitive exchange rates you can trust.

No delays

We keep you informed every step of the way.

Built for your peace of mind
To ensure the highest level of security for all transactions, we employ a multi-layered defense strategy. This begins with mandatory Two-Factor Authentication (2FA), ensuring that only the authorized account holder can initiate a payment. Furthermore, all data in transit is shielded using industry-standard TLS (Transport Layer Security) encryption.
GET STARTED

Ready to start your PAL journey ?

Speak to an expert

Ready to
Experience Pal?

Google Play App Store
Google Play App Store