People pay you with your phone number. But numbers get stolen in SIM swaps, and networks give old numbers to new people. On Nomapay, neither can touch your money.
Code received≠money moved
Phone numbers get stolen, mistyped and handed on to new people. Here is what usually goes wrong, and what Nomapay does instead.
A thief moves your number to their SIM, gets your text code and empties your account.
Your number can’t move money. Only your face or fingerprint can, and that never leaves your phone.
A code someone tricks out of you, or reads off your SIM, is enough to get in.
A code only proves a number. Signing in and paying also need your face or fingerprint.
Your network gives your old number to someone new, and they get your account, or you get locked out.
A number can move to its new owner. Your balance never moves with it.
One wrong digit, or an old contact whose number now belongs to a stranger.
You see the name before you pay, and a warning if the number changed owner recently. Large transfers wait 6 hours, so you can cancel.
Someone talks a shop into a replacement SIM with a forged ID, and you only find out when it’s too late.
Important notices reach you by email and in the app, never only by text. People on our team check every number change, and money never moves with a number.
Each layer works on its own. A thief would have to get through all five.
Every payment and every new sign-in needs your face or fingerprint. A SIM and a code are never enough.
A new phone gets a 24-hour safety window. Large transfers wait 6 hours and can be cancelled. Recovery needs two guardians, then a 72-hour wait.
If your number goes to someone new, your balance stays yours, and money sent to the number before the change goes back to whoever sent it.
The name shows before every payment, with a warning when something looks off.
Our texts never contain links. Account changes and claims on your number reach you by email and in the app, where a SIM thief can’t see them.
Networks give unused numbers to new people. When that happens to a Nomapay number, everyone keeps what is theirs.
A thief with your phone still needs your face or fingerprint to move money. Here is what protects you today, and what is coming next.
Most people never need this: your key syncs through your Apple or Google account, so a new phone usually has it already. If it’s truly gone, your guardians can give your account a new one.
Elsewhere, losing a phone or a secret phrase can mean losing your money for good. On Nomapay, whatever you lose, there is a way back to the same account and the same balance.
Nothing to recover. Your key is on your phone, not your SIM.
On a new phone, sign in to your Apple or Google account, then use your face or fingerprint.
Your two guardians give your account a new key, after a 72-hour safety wait you can cancel.
Keep the same account. People can pay your @name, or you add a new number.
In every case: the same account, the same balance. Your money never moves when something is lost.
They could spend up to your daily limit before you stop them, and money that has already gone can’t be pulled back. Your daily limit and the 6-hour wait on big transfers keep that loss small, often at zero, and more protections are coming soon.
Both guardians must be sure it’s really you. If you can’t prove who you are, for example with no ID and no access to your email, they can’t safely give you a new key. That is the price of nobody else being able to take over your account.
If someone tricks you into approving a payment with your own face, the money has gone to them, and recovery can’t undo it. Scam warnings and the 6-hour wait on big transfers are there for exactly this.
The only ways to lose money: someone spends it before you can stop them, or you approve the payment yourself. Our limits, waits and warnings keep that rare, and small.
This number changed owner recently. You’ve paid Ngozi A. at this number before.
A typo or an old contact shouldn’t cost you money.
None of these protections depend on your mobile network, so they work the same wherever your number is from.
If your phone suddenly loses signal where it normally has it, call your network from another phone and ask if your SIM was changed.
Your key syncs through it. Turn on two-step sign-in that doesn’t use text messages.
It’s how we reach you if your SIM is ever in the wrong hands.
Use a strong passcode and don’t type it where people can see. Turn on Find My iPhone or Find My Device, so you can find or lock a lost phone.
No. On Nomapay your phone number is how people pay you, not how your money is unlocked. Moving money, and signing in on a new phone, both need your face or fingerprint key, which stays on your phone.
Call your mobile network straight away from another phone and ask whether your SIM was changed. Your money stays put either way, and if someone signs in on a new phone, your other phones get an alert you can use to stop it.
It stays in your account. A number can move to a new owner, but a balance never moves with it. You are told by email and in the app first, never only by a text to that number, and you can say it is still yours.
Yes. Sign up and ask for the number. The previous owner is told and given time to answer, and people on our team check the change. After that, new payments to the number reach you. Money sent to it before the change goes back to whoever sent it.
Yes, in almost every case. Your money isn’t on your phone or your SIM, so losing either doesn’t lose it. Sign in on a new phone, or if your key is gone too, your two guardians can give your account a new one after a 72-hour wait. Same account, same balance.
Call your mobile network to block the SIM, and change the password of your Apple or Google account. A thief still needs your face or fingerprint to move money. A one-tap freeze you can use from any phone is coming soon.
Never. Our texts never contain a link. If a message asks you to tap one, it is not from us.
