Saylor
Welcome to SaylorPay: Your Complete Mobile Money Toolkit
Mobile money changed everything in Africa. It gave millions of people access to financial services for the first time. But as powerful as mobile money is, using it can still be frustrating. Dialing complex USSD codes. Typing long phone numbers. Paying fees to middlemen. Sending money to dozens of people one by one.
We built SaylorPay to solve these problems. Not by replacing mobile money, but by making it work the way it should have from the beginning.
What Is SaylorPay?
SaylorPay is a free mobile app that transforms how you interact with mobile money. Think of it as your universal remote control for every mobile money transaction you need to make; from sending money and buying airtime to accepting payments and managing bulk disbursements.
The best part? SaylorPay charges zero fees. No setup costs, no monthly charges, no transaction fees. Your money goes exactly where you send it, and you keep 100% of what you earn.
Everything You Need in One App
Send and Receive Money Seamlessly
Forget memorizing USSD codes or typing phone numbers manually. SaylorPay automates the entire process. Send money to anyone with just a few taps, or generate a QR code that others can scan to pay you instantly. No more "Sorry, I typed the wrong number" moments.
Buy Airtime and Data Bundles
Need to top up your airtime or buy data? SaylorPay has all the major networks built in. Purchase for yourself or send airtime and data bundles to friends and family. The app handles all the USSD commands in the background while you simply select the amount and confirm.
Accept Payments as a Merchant
Running a business? Turn your phone into a payment terminal. Generate a personalized QR code that customers can scan to pay you directly to your mobile money account. Share your QR code online, print it on receipts, or display it at your shop. Payments go straight to you—no payment processor taking a cut, no middleman holding your funds.
Process Bulk Payments Effortlessly
Paying multiple people used to mean hours of repetitive USSD dialing. With SaylorPay's bulk payment feature, upload a list of recipients and amounts, then send money to dozens or hundreds of people with a single action. Perfect for organizations doing payroll, NGOs making disbursements, or businesses paying field agents.
Check Your Balance Instantly
No more dialing *170# or *110# and waiting through menu after menu. Check your mobile money balance with a single tap in SaylorPay. Fast, simple, and always at your fingertips.
Cash Out Conveniently
Need to withdraw cash? SaylorPay streamlines cash-out transactions, making it easier to access your funds through mobile money agents without the usual hassle.
QR Code Payments for Everyone
SaylorPay's QR code system works for both personal and business use. Create QR codes that others can save and reuse whenever they need to pay you. No more sharing phone numbers, no more typing errors, and no more "Can you resend your number?" messages. Just scan and pay.
SMS Forwarder Toolkit
Need to forward SMS messages? SaylorPay features a robust SMS Forwarding Toolkit designed for developers and businesses. It allows mobile money SMS and other messages to be forwarded directly to your server via secure channels, supporting real-time workflows, integrations, and message archiving.
Built for Mobile Money Agents
If you're a mobile money agent, SaylorPay gives you professional tools to serve your customers better. Our agent dashboard helps you manage transactions efficiently, track your daily operations, and provide faster service to everyone who walks through your door.
Works Everywhere, Even Offline
Here's what makes SaylorPay truly special: it works without internet. Through smart USSD automation, SaylorPay processes transactions even when you have zero connectivity. Whether you're in a busy city or a remote village, whether your data is on or off, SaylorPay keeps working.
This isn't just convenient, it's essential. Poor internet shouldn't stop you from running your business, paying your team, or receiving money from customers.
For Developers: The SaylorPay API
Developers can integrate SaylorPay's mobile money capabilities into any app or website. Our API makes it simple to accept payments, send money, buy airtime, and more all through clean, well-documented endpoints.
Unlike traditional payment processors, SaylorPay doesn't charge setup fees, maintenance fees, or transaction percentages. You only pay for API calls, and during our launch period, we're offering 50% off. Your users receive payments directly to their mobile money accounts, and you get powerful functionality without the typical cost.
Who SaylorPay Serves
Small Business Owners who need to accept payments without losing money to transaction fees.
NGOs and Organizations that regularly disburse funds to many people and need a reliable, efficient system.
Mobile Money Agents who want to provide better service with professional tools.
Freelancers and Individuals who receive regular payments and want a simple, professional way to get paid.
Developers and Tech Companies building apps that need mobile money integration without the complexity.
Anyone Who Uses Mobile Money and wants transactions to be faster, simpler, and less expensive.
Why We Built This
Mobile money has achieved something remarkable. It's given financial access to millions of people who never had it before. But the user experience hasn't kept pace with the technology's potential. People still struggle with complicated USSD menus. Businesses still lose money to unnecessary fees. Organizations still waste hours on repetitive transactions.
We built SaylorPay because we believe mobile money should be as easy to use as it is important. Every feature in our app exists to solve a real problem that real people face every day. We're not trying to replace mobile money or lock users into a new platform. We're simply making the mobile money you already use work better.
How We're Different
Zero Fees. Most payment platforms take a percentage of every transaction. SaylorPay charges nothing. When someone pays you, you get all of it.
No Middleman. Money goes directly to mobile money accounts. We never hold your funds or create barriers between you and your money.
No Sign-Up Required. Download the app and start using it immediately. No lengthy registration, no waiting for approval, no KYC just to send money to your friend.
Works Offline. Bad connectivity is a reality across Africa. SaylorPay is built for that reality, using USSD to process transactions even without internet.
One App for Everything. Instead of remembering different USSD codes for different tasks, everything you need is in one place.
Getting Started Is Easy
- Download the SaylorPay app from the Google Play Store
- Open it and enable/accept permissions.
- Sync SIMS and choose what mobile money function you want to do.
- Let SaylorPay handle the USSD dialing and processing in the background
That's it. No complex setup process. If you know how to use mobile money, you already know how to use SaylorPay. We just made it faster and simpler.
What's Next
This is just the beginning. We're constantly improving SaylorPay based on what our users need. Every feature we add, every improvement we make, comes from listening to people who use mobile money every day.
We're building SaylorPay in the open, with feedback from merchants, agents, developers, and everyday users guiding our roadmap. Our goal isn't just to make mobile money easier, it's to make it work so well that you forget the technology and just focus on what matters: your business, your community, your life.
Join the Movement
Whether you're sending money to family, running a business, managing an organization, or building the next great app, SaylorPay is here to make mobile money work better for you.
Zero fees. Zero hassle. Just mobile money that actually works.
Welcome to SaylorPay.
Ready to transform how you use mobile money?