Wallet & Transactions

Manage your Danipa Pay wallet — currency accounts, fund-in, cash-out, transfers, and transaction history.

4 min read

Your Danipa Pay wallet

Your wallet holds your funds and is the source of every transaction on Danipa Pay — sending money, paying bills, receiving payments, and converting between currencies.

A single wallet can hold multiple currency accounts. Today the live currencies are GHS, CAD, and USD. GBP and EUR can be added when their corridors are enabled (see Country & Region Guide).

Manage currency accounts

Open the Wallet tab to see one card per currency account.

• Add a currency. Tap + on the wallet screen and pick from the supported list. The new account starts at zero balance.
• Remove a currency. Tap the account, then Remove — only zero-balance accounts can be removed.
• Set a default. Use the currency switcher above the home balance card to pick which account is shown first.

Fund-in (add money)

Open Fund from the home balance card or the Wallet tab. The available providers depend on which currency account you're funding:

Steps:

1. Tap Fund on the wallet card.
2. Select the provider that matches the currency you're funding.
3. Enter the amount.
4. Complete the provider's prompt (USSD PIN, card 3-D Secure, ACSS confirmation, or PayPal sign-in).
5. The fund-in shows as PROCESSING in your activity until the provider confirms; then it flips to COMPLETED and the balance updates.

Bank-transfer-by-account-number is not supported. All bank funding goes through Stripe ACSS for CAD or card rails for CAD/USD — Danipa does not issue per-user deposit account numbers.

Cash-out (withdraw)

Open the Wallet tab and tap Withdraw, or use the action shortcut from home. Available methods depend on the currency you're cashing out:

For Stripe debit-card payouts you'll need a one-time Stripe Connect onboarding before your first cash-out. The app links you out to Stripe's hosted onboarding and brings you back when complete (see Send Money for the same flow).

Steps:

1. Tap Withdraw.
2. Pick the currency, then the method.
3. Enter the amount and the destination (phone for MoMo, saved debit card for Stripe, email for PayPal).
4. Authorise with your transaction PIN. Step-up MFA is required if the amount or recipient triggers it (see Security & Account Settings).

Cash-outs to MTN MoMo and Stripe debit cards typically arrive within seconds. PayPal arrival depends on PayPal's processing.

Transfer between your accounts

You can move money between your own currency accounts. Tap Transfer on the wallet screen, choose source and destination accounts, enter the amount, and confirm. The transfer settles instantly and the FX rate used is shown on the review screen (Exchange Rates & FX).

This is different from a peer-to-peer transfer, which uses the Send tab and goes to another Danipa user (see Send Money).

Payment requests

The Wallet tab also lists Payment requests — money other Danipa users have asked you to send, plus the requests you've sent out. Tap a request to approve, decline, or cancel it.

Transaction history

Open the Activity tab for a unified list across every currency account.

Each row shows:

• Type — Transfer, Fund-in, Cash-out, Refund, Reversal, Fee, or Adjustment
• Counterparty (recipient or payer)
• Amount with currency
• Date and time
• Status — Pending, Processing, Completed, or Failed

Tap a row for the detail screen, which shows the reference number, full timeline, fee breakdown, and exchange rate (where applicable).

For a per-currency view, open a wallet card and tap History.

Receipts and statements

Every completed transaction has a downloadable PDF receipt. From the transaction detail screen, tap Download receipt — Danipa generates a signed PDF you can save or share.

For a longer view, generate a monthly statement from Wallet → Statements:

• PDF — formatted summary suitable for printing.
• CSV — raw rows you can import into a spreadsheet or accounting tool.

Statements are produced on demand and include every account in your wallet for the chosen month.

Statuses you'll see

A transfer that gets stuck in Processing for longer than expected usually means the provider is delayed — you can safely close the app and check back later, or open a dispute (see Dispute Resolution).

Security tips

• Never share your transaction PIN. Danipa staff will never ask for it.
• Enable biometrics in Profile → Security so quick re-authentication doesn't require typing the PIN.
• Review your activity regularly. Report anything you don't recognise via Dispute Resolution.
• See Security & Account Settings for the full step-up MFA setup.