AI agents for business finance: what they can and can't do
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The short answer
When the app says a transfer to Nigeria was delivered but the receiver sees nothing, ask the app for the transfer's session ID (the reference the Nigerian transfer system gives a completed payment) and send it to the receiver, who takes it to their bank. Most cases are a delay, a pending credit held because of the receiver's account tier, or a payment to the wrong account, and the session ID lets the bank trace which.
What "delivered" means
For a bank deposit, "delivered" or "paid" in a Canadian app usually means the app's Nigerian payout partner has sent the naira to the receiving bank through the domestic transfer system. It does not always mean the money is visible in the receiver's app yet. The receiving bank can credit late, hold the credit for checks, or post it to an account that does not belong to your relative if the details were wrong.
Step one: get the session ID
Nigerian bank transfers carry a session ID, a long reference banks use to trace a payment. LemFi's help centre (updated 21 October 2026) describes the process: open Transactions, select the transfer, confirm it shows as successful, then ask in-app support for the session ID with your transaction reference, and send it to the recipient to give their bank. Other apps have similar processes; ask support in writing for "the NIP session ID for this transfer". Moniepoint's support page, on the receiving side, asks customers to wait 24 hours and then contact support with the 30-digit session ID.
Step two: what the receiver asks the bank
- Give the session ID, amount, date and sender's name.
- Ask whether the credit was received, rejected or is pending.
- Ask whether the account is at a KYC tier that limits inflows. Kuda's help page, for example, says transfers can sit pending if the recipient has not upgraded their account or is over a limit, and asks for BVN confirmation and documents for larger amounts.
- If the bank says the credit went to a different account number, get that in writing.
Step three: what you ask the app
- Confirm the account number, bank and name you entered. Compare them with what your relative sent.
- Ask whether the payout partner has a credit confirmation from the bank.
- Ask whether the transfer can be recalled if it went to the wrong account, and how long that takes.
- Keep every message. Remitly, for example, says delays can come from transaction review or system availability; a written answer helps if you need to escalate.
Common causes and what fixes them
| Cause | Sign | Fix |
|---|---|---|
| Delayed credit | Bank sees the session ID, credit not yet posted | Wait for the bank's timeline, then follow up |
| Account tier limit | Credit pending or returned | Receiver upgrades KYC level |
| Wrong account number | Credit posted to another name | App and both banks attempt recall |
| Name mismatch rejected | Bank returned the payment | App refunds or re-sends with correct name |
| Bank downtime | Many customers affected | Wait and retry; keep reference |
If it is still unresolved
In Nigeria, the CBN's consumer protection department says complaints should first go to the bank where the issue arose, then, if unresolved, to the CBN's Consumer Protection Department with full transaction details. The Nigeria library covers this in how to complain about a bank or fintech. In Canada, take the app's formal complaint route; our guides to failed transfer refunds and wrong-account transfers go further.
Worked example
Example only: Funmi in Ottawa sends ₦150,000 to her aunt in Ibadan. The app marks it delivered at 10:00. By evening her aunt sees nothing. Funmi gets the session ID from the app's support chat and sends it on WhatsApp. Next morning her aunt's bank finds the credit pending because her account is at a basic tier. Her aunt brings her NIN slip to upgrade the account and the credit posts that afternoon.
What the receiver can check without visiting a branch
- The account statement in the bank's app or internet banking, not only the notification list. Some credits post without an SMS.
- Whether a "pending" or "lien" line appears, which suggests a hold rather than a missing payment.
- The account name on the statement header, to confirm the number the sender used is really theirs.
- The bank's support chat, giving the session ID. Many banks will confirm receipt of a session ID by chat.
NIBSS offers a *565*5# NIP tracker (₦20, for the last 48 hours) but it works from the phone number tied to the sending account. When the sender is a Canadian app, the sending account belongs to the app's Nigerian partner, so the receiver usually cannot use it. The session ID route through the receiving bank is the practical one.
When to ask for a refund instead
If the receiving bank confirms it rejected or returned the payment, ask the app for a refund to your funding method or a re-send with corrected details. Ask whether the refund is in Canadian dollars at the original amount, or whether any conversion or fee is deducted, and get the answer in writing.
Where Pryme fits
Pryme is a technology company, not a bank. Outside Nigeria its activities are carried out through regulated partners, and Naira deposits are held by a licensed Nigerian microfinance bank, regulated by the CBN and insured by the NDIC up to the applicable limit. Each transfer through Pryme Send has a receipt you can share, and you can generate a verifiable receipt with VerifyDoc.ai if the receiver's bank needs proof.
Questions people ask
What is a session ID for a Nigerian transfer?
It is the long reference the Nigerian transfer system attaches to a payment. Banks use it to trace a credit. Ask your app's support for it.
How long should we wait before raising a complaint?
Moniepoint, for example, asks receivers to wait 24 hours before contacting support with the session ID. Ask the receiving bank for its own timeline.
Can money show as sent but go to the wrong person?
Yes, if the account number belongs to someone else at that bank. The app and banks can attempt a recall, but it is not certain.
Why is the transfer pending in my mum's account?
Often because her account tier limits inflows. Kuda, for example, says upgrading the account or confirming BVN can clear pending transfers.
Sources
- LemFi Help: How do I get a session ID for a transfer to Nigeria (updated 21 Oct 2026) · accessed Oct 2026
- Moniepoint Support: Transfers · accessed Oct 2026
- Kuda Help: Pending or hanging transfers · accessed Oct 2026
- Remitly: Send money from Canada to Nigeria · accessed Oct 2026
- CBN: Consumer Protection Department, complaints management · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.