Frequently Asked Questions

PHKFactor is a digital marketplace where you can purchase games, gift cards, software licenses, e-SIMs, phone top-ups, and vouchers at competitive prices. We are a product of PHKFactor LTD (RC 9380315), registered in Nigeria.

Simply create an account, browse our catalogue, add products to your cart, and pay using your preferred method. Digital products are delivered instantly to your account dashboard. For some items, you'll receive activation codes or top-up details right away.

We offer a wide range of digital products including video game keys and top-ups, gift cards (Google Play, iTunes, Amazon, Steam, and more), software licenses, e-SIMs, mobile phone top-ups, and digital vouchers.

Click the "Sign Up" button at the top of the page. You'll need to provide your name, email address, and create a password. You can also sign up using your Google account for faster access.

Your PHKFactor wallet is a prepaid balance you can use to pay for products on the platform. When you make a purchase, the cost is deducted from your wallet balance. It's the fastest way to check out.

Go to your account dashboard and click "Top Up Wallet." Choose your preferred payment method (bank transfer, card payment, or cryptocurrency), enter the amount, and complete the transaction. Your balance updates immediately after confirmation.

No. Wallet balance cannot be withdrawn, transferred, or converted to cash. It can only be used for purchases on PHKFactor. Any refunds issued will be credited to your wallet as store credit.

Browse or search for the product you want, add it to your cart, proceed to checkout, and complete payment. For digital products, your order is processed and delivered automatically within minutes.

Once payment is confirmed, digital products are delivered directly to your account dashboard. You'll see activation codes, download links, or top-up details in your order history. You'll also receive an email notification.

Most digital products are delivered instantly or within a few minutes of payment confirmation. In rare cases of high demand or technical issues, delivery may take up to 30 minutes. If you don't receive your order after 30 minutes, please contact our support team.

If your order hasn't been delivered after 30 minutes, first check your order history in your account dashboard. If it's still not there, contact our support team via email (hello@phkfactor.com), live chat, or WhatsApp with your order ID, and we'll resolve it promptly.

We accept bank transfers, debit/credit cards, and select cryptocurrency (USDT, USDC, and other stablecoins). You can also pay using your PHKFactor wallet balance.

Yes. All transactions are processed through secure, encrypted payment gateways. We do not store your full card details on our servers. Your financial information is protected with industry-standard security protocols.

Yes. We support select cryptocurrencies including USDT and USDC. During checkout, select the cryptocurrency option and follow the instructions to complete your payment.

Digital products are generally non-refundable once the code, key, or activation details have been delivered and revealed. However, we evaluate refund requests on a case-by-case basis for issues like defective codes, wrong products delivered, or technical failures on our end. Please refer to our Returns & Refund Policy page for full details.

If a refund is approved, the wallet credit is typically applied within 24–48 hours. You'll receive a notification once the credit has been added to your wallet.

No. All refunds are issued as wallet credit on your PHKFactor account, regardless of the original payment method. The wallet credit can be used for future purchases on the platform.

An e-SIM is a digital SIM that allows you to activate a mobile plan without a physical SIM card. After purchasing, you'll receive a QR code or activation details that you can scan or enter on your compatible device to set up the plan.

After purchase, go to your order history and reveal the activation details. On your phone, go to Settings > Mobile/Cellular > Add e-SIM, then scan the QR code or enter the details manually. Follow the on-screen instructions to complete activation.

If your top-up isn't applied after 30 minutes, double-check that you entered the correct phone number. If the issue persists, contact our support team with your order ID and phone number, and we'll investigate and resolve the issue.