PalmPay app for Android phones installs a security plugin that can restrict usage and display a watermark if you default on repaying your PalmCredit loan and most people usually look for how to remove it.
While intended to ensure repayment, it hampers the normal functioning of your device.
In this step-by-step guide, we will walk you through the process of removing the Palmpay security plugin and watermark on your Android.
Read Also: How to Get Palmpay POS 2023 [Complete Guide]
Overview of PalmPay Security Plugin
When you take a PalmCredit loan on your PalmPay app, a security plugin is automatically installed on Android phones, which:
- Monitors app usage, memory, battery, network, etc.
- It restricts access to other apps if you miss loan repayments.
- Displays a PalmPay watermark on the screen
The plugin persists until the loan is fully repaid. It prevents the usage of the phone to compel repayment. However, many users find this plugin troublesome. Let’s see how you can remove it.
Understanding the PalmPay Security Plugin
It’s important first to understand how the PalmPay security plugin works:
- It is installed silently once you take a PalmCredit loan.
- The plugin tracks device usage and loan repayment
- If you miss your due date, it activates restrictions and watermark
- Access is limited only to PalmPay and dialer apps
- Watermark displays on-screen continuously.
- The plugin auto-starts each time you reboot the device.
- No option within the PalmPay app to remove the plugin
With this background, let’s move on to the removal methods.
How to Remove PalmPay Security Plugin and Watermark on Android
Here are several ways you can remove PalmPay security plugin and watermark on your phone:
1. Repaying PalmCredit Loan
The proper way to remove the PalmPay security plugin and watermark is to:
- Repay your PalmCredit loan fully
- Clear any dues or outstanding interest
- Inform PalmPay customer care once repaid
PalmPay will remotely uninstall the security plugin and remove the watermark within 24 hours after it reflects full repayment. This restores the normal functioning of your device.
Make the repayment via bank transfer, card, cash at an agent, or any mode per your loan terms to eliminate the restrictions.
Read Also: Opay User Guide: How to Use Opay and Get a Free POS
2. Factory Resetting Your Phone
Performing a factory reset or format on your Android phone will also remove the PalmPay security plugin and watermark.
However, this will erase all your data and apps. Also, if you still have dues, the plugin may re-appear when you set up the phone again.
So factory reset only if you want to wipe your device for other reasons. It is not the best approach.
3. Using ADB Commands
You can use the following ADB command on your computer to uninstall the PalmPay security plugin from your phone:
Copy code
adb shell pm uninstall --user 0 com.palmfi.palmpay.monitor
However, PalmPay will detect this and re-install the plugin. The proper solution is to clear your loan dues first.
Disclaimer
Controlling the PalmPay security plugin via unauthorized methods like ADB commands is not recommended. It is illegal.
The proper approach is to repay your PalmCredit loan fully per agreed terms. This will lead to the automated removal of restrictions.
Avoid bypassing the plugin unethically, as it can land you in legal trouble. Repay your dues to regain access.
Read Also: How to Get Paga POS Machine (Price and Charges)
To Sum Up
The PalmPay security plugin and watermark are there to ensure loan repayment. While it hinders normal phone usage, tampering with it unethically can have legal consequences.
The right approach is to repay your PalmCredit loan fully per the terms and conditions. Once the repayment reflects in PalmPay, it automatically disables the the security plugin within 24 hours.
In case of any concerns, contact PalmPay customer care. Do not attempt illegal steps to bypass the security plugin. Make your repayments diligently to avoid restrictions.
RELATED POST
Top 10 Best Banks for Students in Nigeria
Stanbic Bank Kenya USSD Code – How to Use *990# for Quick Transactions
UBA USSD Code – How to Activate, Check Balance, Transfer Money and Buy Airtime
10 Best Recipe and Cooking Apps for iPhone and Android
Polaris Bank New USSD Code – How to Activate, Transfer and Check Balance