How Nomapay works.
Sign up with your phone number and your face. Get paid in dollars. Send, pay bills or cash out. Here is each step, from your first minute to getting your account back on a new phone.
Sign up in under a minute.
A phone number, a code by SMS or WhatsApp, your name and one Face ID or fingerprint. No paperwork to start, and no seed phrase, ever.
- Enter your phone numberAny country works. The picker starts at yours.
- Type the 6-digit codeBy SMS or WhatsApp.
- Enter your name
- Create your passkeyOne Face ID or fingerprint. The key stays in your phone’s secure chip.
- DoneYour home screen shows a $0.00 balance.
- Nomapay stores only a scrambled copy of your code, never the code itself.
- Nomapay gets only the public half of your passkey. It has no key to your account.
- Your number is linked to your account after a 24-hour public safety check.
Your account, in dollars.
Your home screen shows your balance in dollars and in your own money, your quick actions and everything that happened.
Example limits. They vary by country. Daily limits are enforced by your account itself.
- Large transfers wait 6 hours, and you can cancel them.
- Changes of control wait 48 to 72 hours, and can be cancelled.
Get paid by your number.
Share your number, or a link or QR code that contains it. When someone on Nomapay pays you, it arrives in seconds, with a notification.
- Paid by someone before you joined? The money waits for your number. Sign up with it, and after a one-time safety check it moves in.
- Being paid from another app? Get paid shows the details to give them.
Adding money, three ways.
Most people simply get paid. You can also buy dollars with your own money, or move dollars in from another app.
- Get paidBy your number. The most common way.
- Buy dollarsEnter ₦, KSh or GH₵, see the quote, pay the local details shown. There is nothing to sign.
- From another appCopy your details from Get paid. The dollars land in your balance.
Buy dollars is available in Ghana, Kenya and Nigeria. The fee and the rate are in the quote, before you pay.
Send to any phone number.
Type a number in any country, or an @name. The app shows who it is, then you review the amount and a fee of $0.00, and approve with one Face ID.
- Your phone checks every payment before you approve it: the right person, the exact amount, nothing hidden.
- Not on Nomapay yet? It waits for their number. Unclaimed after 7 days, you can take it back.
- Across borders, you see an estimate of what they get.
Bills, straight from dollars.
Airtime and data for any network, electricity and TV. The bill is priced in your money, with the rate and the Nomapay fee on their own lines.
- We only buy after your payment confirms. If it fails, you are refunded automatically.
- Bills cost 1% + the rate shown. The fee and the rate are shown before you confirm.
Cash out to your bank or mobile money.
Choose an account, enter the amount, and see what you get, the rate and the fee before you confirm with your face. It is usually paid within minutes.
- New accounts can be used after 12 hours, for safety.
- Accounts must be in your own name.
- If a payout fails, your dollars and the fee come back to you.
Lost your phone? Get your account back.
Most of the time, you just sign in on the new phone: your passkey syncs through your Apple or Google account.
- Start recoveryYour phone number, a code by SMS or WhatsApp, then an identity re-check.
- Create a new passkeyOn the new phone.
- Both guardians approveNomapay’s recovery service and an independent guardian service. Neither can do it alone.
- A 72-hour waitYour old devices and guardians can cancel it if it was not you. Then your account, balance and history move to the new passkey.
That is the whole thing.
Free to download. Sign up in under a minute.