Help Centre
Answers to the questions we hear most. Can't find what you need? Contact us.
How do I create a PayCad account?
Go to Sign Up, enter your name and phone number, verify the code sent to your phone, then set a 4-digit PIN. Your wallet is created automatically.
How do I add money to my wallet?
From your dashboard, go to Wallet and choose Top Up. You can fund your wallet with MTN Mobile Money, Airtel Money, or a bank transfer.
How do I send money to someone?
Go to Send Money and enter their phone number, PayCad code, or scan their QR code. Confirm the amount and you're done, it lands in their wallet instantly.
What is my QR code for?
Your QR code is a quick way for other PayCad users to send you money or for you to pay a registered business, without typing a phone number.
What can I pay for on PayCad?
Electricity (prepaid tokens and postpaid bills), water bills, TV subscriptions, parking, KCCA and URA taxes, and traffic fines, alongside sending money and paying registered agents.
Can my business accept payments on PayCad?
Yes. Register an agent account from the Agent Account page in your dashboard. You'll get a till number and QR code customers can use to pay you directly.
Is my money safe?
Every transaction requires your PIN. We never store your PIN in plain text, and your wallet balance is held separately from any single payment provider.
I forgot my PIN, what do I do?
Contact us through the Contact page with your registered phone number and we'll help you reset it securely.