Find quick answers to common questions about SaylorPay. If you don't find what you're looking for, please contact our support team.
Browse through our frequently asked questions to learn more about SaylorPay
SaylorPay is a dual-offering platform consisting of a mobile app and a merchant API service. The mobile app automates USSD dialing, making it easy for users to send money, buy airtime and data bundle, transfer funds, make payments, initiate self-transfers and check balances across different service providers/networks. The merchant API service allows merchants (developers) to integrate this USSD automation capability into their websites, online stores or apps, enabling seamless payment transactions without using a traditional payment gateway.
For regular users, the SaylorPay app uses an auto USSD dialer that simplifies transactions like airtime and data purchase, money transfer and withdrawal, and balance checks. For merchants, our API connects their websites, online stores or apps to the user's SaylorPay app and the phones USSD environment. When a customer initiates a mobile money payment, our app automatically dials the relevant USSD code and processes the transaction up to the point where the customer enters their PIN.
No. SaylorPay is not a traditional payment gateway. We do not receive, hold, or process funds on behalf of merchants. Instead, we act as a facilitator by automating the USSD dialing process that allows payments to go directly to the merchant's mobile money wallet.
Yes. We never store or have access to your mobile money PIN, nor do we intercept transaction details. The app simply automates the dialing and stops for the user to securely enter their PIN.
No. SaylorPay works completely offline and does not require internet connection to function. USSD transactions themselves work offline. Our app automates these USSD codes without requiring an internet connection for the actual transaction.
Currently, we support all major Ghanaian service providers/mobile networks including MTN, Telecel, and AirtelTigo.
No. If you choose to save your PIN to enable features such as bulk payments or quick balance checks, it is securely encrypted and stored locally on your device. Your PIN is never transmitted to, or stored on, SaylorPay servers.
Partially. Most of SaylorPay’s features currently require a Ghanaian SIM card. We plan to expand full support to other countries between 2026 and 2030. If you would like SaylorPay to support your country sooner, please contact us via WhatsApp at +233 539 084 357 or email [email protected].
Yes. SaylorPay supports devices with up to 3 SIMs at once. This means you can easily switch between multiple SIMs directly within the app without going into your phone settings each time. This makes it easy to send money, cash in, cash out, and make payments across different networks quickly and efficiently.
You can send money, buy airtime, buy data bundle, withdraw money, check your mobile money balance, check data balance, check airtime balance, initiate self-transfer, generate unique SaylorPay QR Codes to receive payment(s), scan unique SaylorPay QR Codes to make payments quickly by automating the USSD dialing process. SaylorPay's mobile app also include an advanced SMS Forwarder Toolkit
Select the "Send Money" option in the app, enter the recipient mobile money number or choose from contacts, select the mobile network, enter a reference of your choice or allow SaylorPay to autogenerate a reference for you and let the app dial the necessary USSD code. You only need to enter your PIN to approve the transaction.
Choose the "Buy Airtime" option, enter the amount for self-purchase, the amount and phone number if buying for another number, and let the app dial the USSD code for you.
No, regular app users are not charged for using the app. The SaylorPay mobile application is completely free to use.
Yes, the app can automate the USSD code to check your balance.
If a transaction fails, it behaves the same way as if you dialed the USSD code manually. No funds are deducted, and you can try again.
Yes. We take data privacy seriously and comply with Ghanaian data protection laws.
It's an integration tool for merchants that allows their websites, online stores or apps to trigger mobile money payments on a customer's phone using our USSD automation app.
It removes the need for expensive payment gateway services by automating the USSD dial process, ensuring the funds go directly to your wallet.
Unlike traditional payment gateways, we don't collect, hold, or process money. Our service simply dials the USSD code and lets the user complete the transaction securely.
Yes. We never access you or your customer's funds. The app facilitates transferring funds by automating USSD.
No. The funds go directly to your mobile money wallet.
You sign up as a merchant, complete the necessary onboarding process on your dashboard, and follow our documentation to embed the API.
Yes. Each API call incurs a small fee, which is deducted from your merchant's prepaid SaylorPay balance. Learn more here.
No. KYC is not required to use the API. However, to protect our users and maintain platform integrity, individual merchants and registered businesses are encouraged to submit KYC documents. Upon successful verification, your SaylorPay Direct interface will be marked with a verified badge.
Fees are charged either per request.
Your requests will be temporarily suspended until you top up your balance.
Agents can perform a wide range of mobile money transactions including:
The SaylorPay Agent Dashboard supports all major Ghanaian mobile money providers, including MTN, Telecel, and AirtelTigo.
Mobile Money Agents in Ghana earn commissions on various transactions including cash-ins, cash-outs, money transfers, and data sales. Commission rates vary based on transaction type and volume. You can check your current commission balance directly from the agent dashboard under "Check Commission" and "View Cash In Commission" options.
You can transfer your commission earnings using two methods:
The agent dashboard allows you to process both regular and expired cash-out tokens:
Yes, agents can check wallet transaction limits using the "Wallet Limits" feature in the dashboard.
Pay Agent allows you to transfer funds to another agent using their phone number, while Pay Agent Code uses the agent's unique identification code for transfers. The "Pay Agent Code From Commission" option specifically allows transfers directly from your commission balance.
Use the "Pay Merchant" feature to process payments to registered merchants. This feature is designed for businesses that accept mobile money payments and provides a streamlined way to handle business transactions.
Yes, the agent dashboard includes comprehensive features for checking both main account and commission balances. You can also view transaction history for audit and reconciliation purposes from the website.
We offer training materials, tutorials, and dedicated support to help agents get the most out of SaylorPay. You can access our training resources via our blog and YouTube channel, or contact our support team for personalized training.
Yes. Advertisers can place ads within the app.
Sign up as an advertiser on our platform and create your campaign through your dashboard.
You preload funds into your advertiser account and get charged per call (Call Based Serving (CBS))
Log into your advertiser dashboard and follow the top-up instructions using mobile money.
No. All loaded amounts are non-refundable and must be used for running ads or making API requests if the advertiser is also a merchant (developer).
Ads are charged using a Call-Based Serving (CBS) model. Pricing is based on the number of impressions; specifically, API calls generated by an ad, along with your bidding strategy and campaign settings.
Yes. The advertiser dashboard includes analytics to monitor impressions, clicks, and balances.
The Mobile App is completely free to use. Merchants and advertisers pay for API requests and ad impressions.
A fixed fee is deducted per successful API call from your merchant dashboard.
Fees are deducted based on server calls using a bidding system and your campaign settings.
Yes, you must maintain a balance sufficient for at least one API call or ad impression campaign.
No. All top-ups are non-refundable and must be used within the system.
Through the in-app support feature, email, or the contact form on our website.
We aim to respond within 24 hours.
You can check our blog or YouTube channel for all tutorial videos.
If you couldn't find the answer you were looking for, our support team is ready to help you. Reach out to us for personalized assistance.
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