PalmYield vs CoolPay

PalmYield lets you buy palm oil in litres, store it securely in your digital reserve, track real-time prices, and earn returns over time — all from your phone.

CoolPay is a simple, secure payment app for everyday transfers, bill payments and airtime, with the tools agents and businesses need to run a POS business. Open a free Individual or Business account in minutes and manage your money from one place. Send Money • Transfer to any bank account • Send money to other CoolPay users • Transfer to mobile money wallets • Move money between your own balances • Save beneficiaries for faster repeat transfers Fund Your Wallet • Top up with a bank transfer • Fund your wallet with your debit card Pay Bills and Buy Airtime • Airtime and mobile data • Electricity • Cable TV subscriptions • Education payments, including school fees, WAEC and JAMB • Toll payments POS and Agent Tools • Request or buy a POS terminal from the app • Accept card payments in person and earn on every transaction • Set your commission rates • Add and manage agents and view all your terminals in one place • Track POS transactions by date Transactions and Receipts • View and filter your full transaction history • Share or save receipts as a PDF or image Security • Two-factor authentication when you sign in • Confirm payments with your transaction PIN or fingerprint • Security questions to help protect your account • Identity verification with BVN, NIN and a selfie check Invite Friends • Share your personal referral code with friends and family Getting Started 1. Download CoolPay 2. Create an Individual or Business account 3. Verify your identity and start sending and paying