How it Works
Withdraw
Withdrawals are always initiated by the customer.
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Smartphone Users |
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USSD Users |
| Select withdrawal | Dial *XXXX* | |
| Choose whether you want to us a QR code or manually enter agent mobile number. |
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Select 1 - withdrawal |
| Confirm Agent Details |
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Enter agent mobile number |
| Enter amount and enter PIN |
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Enter amount to withdraw, press enter, |
| After transaction you will get a message confirming your new wallet balance. |
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Enter your PIN, press enter, |
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OTP is generated (will be shared with an agent) |
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After transaction you will get a message confirming your new wallet balance |
Deposits
Deposits are always initiated by an Agent
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Smartphone users |
| Agent initiated deposit from their system |
| Agent either scans your QR code or enters your phone number |
| Agent will enter in their system the amount you want to deposit |
| You will get a message asking you to confirm the amount being deposited |
| After transaction you will get a message confirming your new balance. |
Transfers/Send
For Wallet Transfers - When you click Wallet, you will get a drop-down list of different wallet providers, choose a wallet provider of your choice,
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For Wallet Transfer |
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For Bank Transfer |
| You will be asked to enter your phone number | You will be asked to enter your bank account number | |
| Then enter the amount and confirm the transfer with your PIN |
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Then enter the amount and confirm the transfer with your PIN |
| After the transaction you will get a confirmation about your new balance |
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After the transaction you will get a confirmation about your new balance |
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USSD Journey |
| Dial *XXXX* |
| Agent either scans your QR code or enters your phone number |
| Agent will enter in their system the amount you want to deposit |
| You will get a message asking you to confirm the amount being deposited |
| After transaction you will get a message confirming your new balance. |
Bill Payments
When you click bill payments, following screens will appear:
Electricity & Solar Pay TV Top up Airtime Buy data Betting Services Water payments
Taxes & Government School fees Micro-finance
When you have selected your choice you will get the following screen:
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Smartphone Journey |
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USSD Users |
| Enter meter / account number | Dial *XXXX* | |
| Enter the amount and confirm your PIN |
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Select option 3 "Pay Bills" |
| After transaction you will get a message confirming your new wallet balance. |
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Select the service you wish to pay for |
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Enter amount to withdraw, press enter, |
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Enter your PIN, press enter, |
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After transaction you will get a message confirming your new wallet balance |
Merchant / Shop Payments
Shop will initiate transaction through their own system
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Smartphone journey - initiated by Merchant |
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USSD Journey - Initiated by Customer |
| Merchant will enter the amount | Dial *XXXX* | |
| You will get a message with the amount for you to confirm with your PIN |
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Select option 4 "Merchant Payments" |
| You will get a confirmation of the transaction going through, and finally, confirmation of your new balance. |
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Enter Merchant code |
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Enter the amount and confirm with your pin |
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After transaction you will get a message confirming your new wallet balance |
USSD Users: Check Balance
Dial *XXXX*
Select option 4 Balance Inquiry
Enter Pin and enter
Balance will appear on screen
USSD Users: Change PIN
Dial *XXXX*
Select option 5 Change PIN
Enter Pin and enter
Enter new PIN, press enter