Hi! I understand you’re experiencing an IO exception network issue when trying to transfer money on PalmPay. That typically means there’s a problem with the input-output operation related to network communication, such as a connection that keeps dropping or timing out.

To help me better assist you, could you tell me a bit more? For example:
- Are you connected via Wi-Fi or mobile data?
- Have you tried other apps or websites to check if your internet is working fine?
- Is this happening all the time or just intermittently?
- Have you already tried restarting the app or your device?

Meanwhile, here are some steps you can try that often resolve this type of issue on Android 10:

1. Check Your Internet Connection
Switch between Wi-Fi and mobile data to see if the transfer succeeds on a different network. Also, make sure your signal is strong and stable.

2. Restart the PalmPay App
Close the app completely and reopen it. Sometimes refreshing the connection helps.

3. Clear Cache and Data
- Go to your device Settings > Apps > PalmPay.
- Tap Storage and select Clear Cache first. Try the transfer again.
- If that doesn’t work, then select Clear Data (note that this may require you to log in again).

4. Update or Reinstall the App
Check the Play Store for any updates for PalmPay. If updated, try again. Otherwise, uninstall and reinstall the app to remove any corrupted files.

5. Verify Your Account Status
Ensure your account is fully verified (upload valid ID, complete face and address verification if required). Some transfers might fail if verification is incomplete.

If these steps don’t fix the problem, it could be related to temporary server issues or a persistent network problem on your side. In that case, you might want to wait a bit and try again later or contact PalmPay support at [email protected] for more help.

Are you comfortable trying these steps? Let me know how it goes, or if you’ve already tried any of these so I can dig deeper with you!