A phone number or @name
Type it, paste it or pick a contact. The app shows their name before you pay.
Free to send, next door or abroad
Send dollars to any phone number.
Type a number, enter an amount, approve with your face. It works in any country, even if they are not on Nomapay yet.
- Type their numberOr an @name, or pick a contact.
- See who it isTheir name, before any money moves.
- Enter the amountAcross borders you see what they get.
- ReviewThe amount, a fee of $0.00, and what happens next.
- One Face IDNothing moves without you.
- SentOn Nomapay, it arrives in seconds.
Who you can send to
Anyone with a phone number. Really anyone.
Nomapay finds the account behind the number. If there is none yet, the money waits for that number.
Someone not on Nomapay yet
The money waits for their number. Only the person who proves that number can open it.
How it waitsAcross borders
Same as sending next door: free. You see an estimate of what they get in their money.
Next door or abroadLarge amounts
Big transfers wait 6 hours for safety. You can cancel any time before they go.
The safety wait
Not on Nomapay yet?
Money they’ll trust, from someone they know.
People rightly ignore texts from strangers saying “you have money”. So the message comes from you, and the money is never forgotten.
When you send
- Straight after
Tell them it’s really you
Your receipt opens WhatsApp or SMS with a message ready in your name. No link in it.
- When they collect it
They know it’s real
Once they prove the number is theirs, they see your message, so they know it really came from you.
If they haven’t collected it
- Days 1 and 3
A gentle reminder
A text with no link and no sender name, in English, French or Swahili.
- Day 3
You hear about it
“Not collected yet”, so you can give them a call.
- Day 7
Take it back if you like
One tap, approved with your face.
- Day 37
It comes back to you
Still not collected? It returns to you automatically. Nothing stays forgotten.
Across borders
Next door or abroad. Same price.
Sending to Nairobi costs what sending down the road costs. The app shows an estimate in their money, so you know what they get.
- Free to send to any phone number, in any country.
- Network fees on everyday payments are paid by Nomapay.
- Nomapay to Nomapay arrives in seconds.
Lagos → Lagos
$10.00
to Ada O. · +234 803 ••• 211
- Fee
- $0.00
- They get
- $10.00
- Arrives
- In seconds
Lagos → Nairobi
$10.00
to Wanjiru M. · +254 712 ••• 678
- Fee
- $0.00
- They get
- ≈ KSh 1,350
- Arrives
- In seconds
Large amounts
Big transfers wait. You can cancel.
Above a set amount, a transfer waits before it goes: 6 hours in the app, 24 hours on a basic phone. The app tells you when it will go and how to cancel.
- You see the exact time it will go.
- Cancel at any point during the wait.
- If someone got into your phone, this gives you time to stop them.
What the receiver sees
Two cases. Both simple.
Getting paidSending to someone not on NomapayUnclaimed money
Sending, answered.
What if I send to the wrong number?
Before you approve, the app shows who the number belongs to: their name if they are on Nomapay, or that they are not on Nomapay yet. Check it every time.
If the number is not on Nomapay yet, the money waits for that number. You can take it back after 7 days, and if it’s still not collected after 37 days it comes back to you automatically. If something has gone wrong, contact us.
What if they never collect it?
They get reminders on days 1 and 3, and on day 3 we tell you it hasn’t been collected, so you can call them. From day 7 you can take it back with one tap. After 37 days it comes back to you automatically. No support ticket needed.
Is there a limit?
Yes. Daily limits depend on how much identity you have verified, and they are enforced by your account itself. With just a phone number, you can send up to about $200 a day. Limits vary by country.
Large transfers wait 6 hours for safety, and you can cancel during the wait.
Does it cost more to send abroad?
No. Sending to any phone number, in any country, is free. Next door or across borders, the price is the same.