How can we help?
Everything Rainpay does, explained plainly — from your first sign-up to savings, transfers, circles and rewards.
Most read
Verifying your identity with BVN, NIN and a selfie
What we ask for, why, and how the live selfie check works.
4 min read
Adding money to your wallet
Top up by card, bank app or transfer, and what to do if it is still clearing.
3 min read
Sending money to a bank account
Pay any Nigerian bank or wallet, what the statuses mean, and when money is returned.
4 min read
Saving with Rainpay and earning up to 12%
Pick a tenor, lock your money, and see exactly what you will earn.
3 min read
Your transaction PIN and one-time codes
Create or change your PIN, and why every payout also needs a code.
3 min read
Refer & earn: how Rain Points work
Invite people, earn 1,000 Rain Points, and what stops abuse.
3 min read
22 guides
What Rainpay is (and what it is not)
How Rainpay works, who holds your money, and what you can do with your account.
3 min read
How to create your Rainpay account
Sign up, confirm your email, set your details and land in your wallet.
2 min read
Put Rainpay on your phone
Install Rainpay to your home screen so it opens full-screen like any other app.
2 min read
Verifying your identity with BVN, NIN and a selfie
What we ask for, why, and how the live selfie check works.
4 min read
Account tiers and what each one allows
Tier 1, 2 and 3 — how to move up and what changes when you do.
3 min read
Adding money to your wallet
Top up by card, bank app or transfer, and what to do if it is still clearing.
3 min read
Receiving money by bank transfer
Your Rainpay account number, who issues it, and how to share it.
2 min read
Requesting money from another Rainpay user
Send a request with a memo; they approve or decline it.
2 min read
Sending money to another Rainpay user (free)
Pay by @username, email or phone number, with the name confirmed first.
2 min read
Sending money to a bank account
Pay any Nigerian bank or wallet, what the statuses mean, and when money is returned.
4 min read
Saving and managing beneficiaries
Keep the accounts you pay often, with nicknames you choose.
2 min read
Paying bills, airtime and data
Top up a line or settle a bill straight from your wallet.
2 min read
Saving with Rainpay and earning up to 12%
Pick a tenor, lock your money, and see exactly what you will earn.
3 min read
Contribution circles (group savings)
Save as a group with a clear schedule and a record everyone can see.
3 min read
Rainpay cards
What cards are for, who can get one, and how spending works.
2 min read
Your transaction PIN and one-time codes
Create or change your PIN, and why every payout also needs a code.
3 min read
Signing in, password resets and login alerts
Two-step sign-in, resetting a forgotten password, and spotting a strange login.
3 min read
Your profile, alerts and notifications
Update your details, confirm your phone, and read your alerts in the app.
2 min read
Refer & earn: how Rain Points work
Invite people, earn 1,000 Rain Points, and what stops abuse.
3 min read
Statements and your activity list
Read your history and get a statement for a landlord, embassy or employer.
2 min read
Getting help, complaints and disputes
Chat with our support assistants, open a ticket, and who to write to for what.
3 min read
Fees, safety and common worries
What Rainpay charges, how your money is held, and the scams to watch for.
3 min read
Still stuck?
Signed-in users can tap the help button in the app to chat with one of our support assistants — Raina, Renee or Ronnie — who can look at your account, chase a transfer and pass anything unresolved to our team. You can also email support@rainpay.ng.