How can we help?
Questions? We’re here to help.
Our goal is to provide you with the best experience — whether you need support, guidance, or just want to understand how things work.
Browse our FAQs or contact our support team for assistance.
FAQs
Getting Started & Account Setup
How do I open a SpennX account?
How do I open a SpennX account?
- Download the SpennX app from Play Store or App Store
- Sign up with your phone number or Ethereum wallet
- Create your PIN and follow the prompts
Can I use my Ethereum wallet?
Yes. SpennX lets you register securely with your Ethereum wallet, no SIM card needed.
What if I forget my PIN?
Use the “Forgot PIN” option in the app. You’ll verify using your phone number or wallet.
Sending & Receiving Money
How do I send money with SpennX?
Send to:
- A phone number
- Bank account
- Ethereum wallet
- Mobile money
Enter the recipient’s details, amount, and confirm with your PIN.
Is it instant?
Yes, transfers reflect within seconds. Some may take 1–2 mins due to blockchain confirmation.
Can someone send me money without a SpennX account?
Yes. Share your payment link or Social ID, anyone can pay you directly.
Blockchain Transactions
What makes SpennX different from other wallets?
All transactions go through the blockchain first. This means:
- Verified ownership
- Transparent logs
- Added security
Does the money go straight to the receiver?
Yes, after the blockchain confirms the transaction (usually within seconds).
Request, Schedule & Recurring Payments
Can I request money?
Yes. Send a:
- Payment link
- Your Social ID
They can pay you directly from the link.
Can I schedule or automate payments?
Yes:
- Schedule one-time payments
- Automate recurring payments (daily, weekly, monthly)
- Choose the time they’re sent
Security & Protection
How is my money protected?
SpennX uses:
- Blockchain encryption
- OTPs & biometric logins
- Smart fraud detection
- A wallet freeze option
What if I suspect fraud?
Freeze your account instantly in the app. Then contact support, we’ll investigate and secure your wallet.
SpennX follows strict blockchain security standards and anti-fraud protocols.
Virtual Card & Payment Options
Does SpennX offer a virtual card?
Yes, a Visa virtual card for:
- Online shopping
- POS & QR payments
- International spending (USD, GBP, NGN)
What payment methods can I use or accept?
Send/receive via:
- Phone number
- Ethereum address
- Bank account
- Mobile money
- Cash pickup (in supported countries)
Multi-Currency Wallet & Exchange
Can I hold more than one currency?
Yes. You can:
- Store over 40 currencies (₦, $, €, GHS, KES…)
- Convert instantly
- Pay in the currency you choose
How do I change my default currency?
In the app, go to:
Settings > Wallet Preferences > Default Currency
Getting Paid (Links, Products, Subscriptions)
How do I receive customer payments?
Use:
- A shareable payment link
- An invoice
- Your Social ID (e.g. @yourname)
Can I sell digital products or services?
Yes. Upload your items, set pricing, create subscriptions, and get paid automatically.
Business Tools, Ticketing & Bulk Payments
Can I use SpennX for my business?
Yes, SpennX for Business lets you:
- Accept mobile & card payments
- Track sales and generate invoices
- Sell digital products or services
- Split payments between partners or staff
Can I sell tickets through SpennX?
Yes. You can create, sell, and manage event or service tickets directly in the app. Customers can pay and receive e-tickets instantly.
Can I pay staff or vendors in bulk?
Yes. Use the Bulk Transfer feature to send money to multiple recipients at once, fast and efficient.
POS & Mobile Payments
How is SpennX POS different?
It runs 100% on your phone, no physical machine needed. Accept:
- QR payments
- Wallet approvals
- UPC code scans
Can I use it anywhere?
Yes, if you have the internet. Works anywhere your phone works.
Transfer Fees & Rates
How much are the fees?
Do you add markup to exchange rates?
No. You get the real-time market rate, no extra markup.
SpennX is transparent: no hidden charges.
Referral, Social ID & Account Linking
What is my Social ID?
Your Social ID (e.g. @ade_johnson) is your personal payment tag. Share it to get paid faster.
How do referrals work?
Invite friends using your referral code. When they sign up and use SpennX, you get rewarded directly to your wallet.
Wallet, Reports & Dashboard
How do I track transactions?
Go to Wallet > Dashboard to:
- See all activity
- Filter by date, type, or currency
- Export reports as PDF/CSV
Can I manage scheduled payments there?
Yes. You’ll see:
- Upcoming payments
- Recurring setups
- Status of each one
Customer Support
How can I get help?
We’re here for you:
- Chat in the app
- Email our support team [email protected]
- Call us (Mon–Fri, 8am–5:30pm)
What if my transaction is delayed or fails?
Wait 2–3 minutes. If unresolved:
- Check transaction status in your dashboard
- Contact support with your Transaction ID
Quick Fixes & Troubleshooting
My payment is pending. What should I do?
Check your dashboard. If it’s still pending after 2–3 minutes, tap:
Help > Chat Support > “Payment Not Received”
My card isn't working online. Why?
Go to:
Card Settings > Enable International Payments
Also, check if the site accepts 3D Secure or virtual cards.
Can I use SpennX without a full internet?
Some basic features may work offline (view balance, scan QR), but sending/receiving needs internet.
Legal & Compliance
Is SpennX regulated?
Yes, SpennX complies with all applicable local regulations and works closely with regulatory authorities to ensure compliance with financial and security laws.
What are the terms of service?
By using SpennX, you agree to our Terms of Service and Privacy Policy. These documents provide detailed information about our platform’s usage, user rights, and privacy practices.
Is my data safe with SpennX?
Yes, SpennX takes your privacy seriously. We adhere to strict data protection standards, and your personal and financial data is encrypted and stored securely.
Can I use SpennX outside of Nigeria?
SpennX is available in multiple countries, but usage may be subject to local laws and regulations. Please check the app or visit our website for the full list of supported countries.
What happens if I violate the terms of service?
If you violate our terms, your account may be suspended or terminated. This includes engaging in fraudulent activity, money laundering, or violating local financial laws.
How can I contact SpennX for legal inquiries?
For legal or compliance inquiries, you can contact our support team via: [email protected]