Instant Money Transfers, Built for Uganda

Send Money.
Instantly.

Send money to anyone in seconds, then use the same wallet for electricity, water, taxes, and more. Works on the web, and soon on WhatsApp and USSD for any phone.

Get Started Free → How it works
URA Tax Paid
UGX 120,000, just now
PayCad PayCad
Wallet Balance
UGX 248,500
Bus
Park
Tax
Send
Kampala to Gulu
Today 08:30
-35,000
From: John K.
Yesterday
+50,000
UMEME Yaka
Mon 14:15
-20,000
UMEME Paid
UGX 45,000, instant
URA Tax Payments KCCA Local Taxes Bus Ticketing Parking Payments UMEME Electricity NWSC Water Bills P2P Transfers URA Tax Payments KCCA Local Taxes Bus Ticketing Parking Payments UMEME Electricity NWSC Water Bills P2P Transfers
What We Offer

Everything you need
in one wallet

From daily transport to your KCCA dues, PayCad handles every transaction that matters to you.

Bus Ticketing

Book and pay for intercity and city bus routes instantly from your phone.

Parking

Pay for parking spots across Kampala and major towns without cash.

Local Taxes

Pay URA and KCCA fees directly. No queues, no paperwork.

Send Money

Peer-to-peer transfers in UGX instantly between PayCad wallets.

Electricity

Buy UMEME tokens or pay electricity bills without leaving home.

Water Bills

Pay NWSC and other water utility bills instantly and securely.
Simple Process

How PayCad works

01

Create Your Account

Sign up with your phone number. Verify with a code. Your PayCad wallet is ready in under 2 minutes.

02

Fund Your Wallet

Top up via Mobile Money (MTN, Airtel) or bank transfer. Your UGX balance is live instantly.

03

Select a Service

Choose from parking, taxes, utilities, or peer-to-peer transfer from your dashboard.

04

Pay and Confirm

Authenticate with your PIN, complete the transaction. Instant receipt delivered to your account.

Why PayCad

Built for Uganda,
built for you

We designed every feature around how Ugandans actually live, move, and pay.

Instant Transactions

All payments settle in real time. No delays, no waiting, no wondering if it went through.

Real-time

Bank-Grade Security

PIN protection and encryption keep every transaction safe.

Encrypted

Works Anywhere

Manage your wallet and pay from any device with a browser.

Web access

Digital Receipts

Every payment creates a verifiable receipt in your history. Good for your records.

Full history

Low Transaction Fees

We keep fees minimal and transparent. No hidden charges.

Transparent pricing

Government-Integrated

Direct payment flows for URA and KCCA taxes.

Official channels
Every Phone Covered

PayCad works on
any phone, any network

Start on the web today. WhatsApp and USSD access are on the way, so PayCad works on any phone, even without a smartphone.

Available Now

Web App

Full-featured web dashboard. QR payments, instant transfers, and a full transaction history.

Works on any browser All PayCad services PIN-secured QR code payments
Coming Soon

WhatsApp Bot

Chat with PayCad on WhatsApp. Pay taxes, send money, all through simple messages, no app download.

Chat with +256 702 199 527
You: Hi
PayCad: Welcome! Balance: UGX 248,500
1. Send Money 2. Pay Tax 3. Electricity...
Works on any WhatsApp Receipts in chat
Coming Soon

USSD

Dial a short code on any phone, Nokia, basic Android, or smartphone, on MTN or Airtel. No internet needed.

Dial the code, press call
1. Check Balance
2. Send Money
3. Pay Taxes
4. Pay Utilities
Any phone, any network Zero data cost
Join PayCad

Start paying the smart way today

Create your PayCad account and get your wallet ready in minutes. Mobile apps are coming soon.

Create your Free Account
Coming soon on the App Store
Coming soon on Google Play