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Most accounts are reviewed within one business day. You will get an email once your BVN and passport photo have been checked and your virtual account is active.

You can log in and view your dashboard, but sending and receiving money is disabled until compliance approves your KYC submission.

60% of your balance locks automatically and 40% stays available for wallet-to-wallet transfers to other OffPay users by Wallet ID. Nothing is deducted — it is simply held until you reconnect.

This happens if settling it would push your offline spend past your 40% allowance — for example if you also spent from another device. Rejected transactions are never silently retried; you will see the reason on your transaction history.

Open any transaction in your history and tap "Receipt" for a PDF, or go to the Statement page to choose a date range and download a full account statement.

Submit a ticket below with your registered email and we will explain the reason and next steps. Frozen funds are never lost — they remain in your wallet.