Pull funds directly from commercial banks into your central stored-value wallet. Send & receive bilaterally across MTN, Airtel, M-Pesa, & Tigo, scan in-store merchant tills with zero fees, and spend globally with virtual Visa Platinum.
Live Interoperability Across 4 Regional Hubs
MTN to M-Pesa
Kampala ➔ Nairobi
Every mobile money provider and commercial bank can both send and receive. Try the live interactive route simulator below:
Interoperability Fee
0.00% (Zero Fee)
Settlement Speed
Under 800ms
No need to share sensitive bank accounts or phone numbers. Share your personal payment link: https://airpaydigital.com/@username.
Live Web Link:
Universal Wallet ID: #AP-8849-AF • Verified P2P
Virtual Card Number
4111 •••• •••• 9842
Cardholder
AIRPAY CONSUMER
Expires
08/29
Instantly generate a 3DS-ready Visa card funded directly by your stored balance. Spend seamlessly on Amazon, Netflix, Takealot, Google Play, Uber, and international flights without opening a traditional bank credit line.
🛡️ 3DS OTP Auth
In-app biometric OTP for safe web checkout.
❄️ Instant Freeze
One-tap card toggle locks the card immediately.
Supermarkets, fuel stations, and wholesale merchants accept instant payments with zero hardware cost.
Carrefour, Woolworths, and local shops. Customers scan cashier QR till codes and settle in seconds.
Shell, TotalEnergies, Engen. Drivers scan pump QR codes without handling physical paper cash.
Merchants receive sales directly and re-circulate funds to pay suppliers without cash-out fees.
Direct bilateral clearing with national revenue authorities and government portals. Clear corporate income taxes, VAT, PAYE, withholding, customs duties, port wharfage, and municipal fees directly from your stored wallet float with instantaneous official receipt clearance.
Query 13-digit or 18-digit PRNs generated on ura.go.ug or KCCA/NWSC portals.
Settle 13-digit and 18-digit PRNs for PAYE, Withholding Tax, VAT, Customs, Motor Vehicle Registrations, plus KCCA property rates & NWSC water.
Direct clearance for KRA iTax payment slips, Passports, BRS business registrations, NTSA driving licenses, and SHA/NHIF health levies.
National 12-digit (99-series) Control Number settlement for TRA income tax, TPA port clearance, BRELA filings, and TANESCO LUKU electricity tokens.
19-digit Payment Reference Number settlement for Personal & Corporate Income Tax, PAYE, Provisional Tax, Customs, and municipal utility bills.
Manage statutory ID & passport verification, personal residence address, security credentials, daily limits, beneficiary recipients, linked rails, device authorizations, and 24/7 support.
Handle: @airpay_user • ID: #AP-8849-AF
Tier 2 KYC Clearance Active
Daily limit: $10,000 / UGX 38M. Biometric facial liveness and government identity verified.
National ID Card (Front)
CM92819283K • Airpay User
National ID Card (Back)
<<MRZ BARCODE & SIGNATURE>>
Recommended for Tier 3 global limits ($100,000/day)
Passport Photo Page Scan
Supports EAC, ECOWAS, SADC, US, UK, EU passports
Single unified API endpoint to process transactions across MTN MoMo, Airtel Money, Safaricom M-Pesa, and Visa.
// Endpoint: https://api.airpaydigital.com/v1/
const airpay = new AirpayClient({
apiKey: "ak_live_8849af...",
baseUrl: "https://api.airpaydigital.com/v1"
});
// Bilateral Cross-Border Dispatch
await airpay.transfers.dispatch({
from: "MTN_UG",
to: "MPESA_KE",
amount: 100000,
currency: "UGX"
});
Be the first to access zero-fee cross-border payments, virtual Visa cards, and merchant till checkout when our regulatory license is activated.
Everything you need to know about instant @username transfers, cross-border mobile money (MTN, Airtel, M-Pesa), commercial bank direct debit pulls, limits, zero-fee clearing, and transaction security.
No Matching Transfer Questions Found
Try searching for keywords like "limits", "fees", "bank", "momo", or call our 24/7 hotline at 617-799-8156.
Transferring money on Airpaydigital is instantaneous and zero-fee. Follow these simple steps:
@sarahw) or tap the camera icon to scan their personal QR code.Yes! You can transfer money directly to any mobile phone number across Uganda, Kenya, Tanzania, or South Africa.
Our bilateral financial switch routes the funds straight into their local network wallet (such as MTN MoMo, Airtel Money, or Safaricom M-Pesa) automatically. The recipient also receives an SMS notification with an authenticated claim token. If they choose to activate an Airpaydigital handle, both of you qualify for our $10 referral reward!
Airpaydigital operates direct 2-way bilateral switching across 4 key regional hubs:
You can send funds across borders (e.g. MTN Uganda to Safaricom Kenya) with zero cash-out agent hops.
Unlike traditional money transfer operators and banks that take 5%–12% in hidden markups, Airpaydigital operates with complete fee transparency:
Airpaydigital provides bilateral electronic direct debit authorization with tier-1 commercial partner banks:
Instead of waiting 1–3 business days for ACH or RTGS wires, tapping "Bank Pull" in your wallet draws liquidity immediately from your linked bank checking account into your central float in seconds.
Yes, 100%. Airpaydigital holds all customer float in segregated, ring-fenced fiduciary trust accounts with licensed tier-1 commercial banks in each operating country, under National Payment Systems (NPS) regulations.
Your funds are legally ring-fenced, never commingled with operating expenses, never loaned, and available for instantaneous settlement or redemption 24 hours a day, 365 days a year.
Outflow limits depend on your statutory KYC verification tier:
Basic consumer entry level
Standard verified individual / merchant
High-volume corporate clearing & cross-border trade
You can monitor your real-time daily/monthly progress bars and request upgrades inside the "Account & KYC" hub under "My Limits".
Over 98.4% of all transfers settle in under 3 seconds. Because Airpaydigital connects directly to partner switches (MTN, Airtel, Safaricom, Capitec), funds are committed to the recipient's wallet instantaneously without multi-day batch settlement queues.
Because transfers settle in real time, funds are credited immediately to the destination wallet. If an accidental transfer occurs, please act quickly:
⚠️ Emergency Recall Protocol:
1. Call our 24/7 Telephone Hotline immediately at 617-799-8156.
2. Or tap "Live Chat" at the bottom of the screen and provide your Transaction Reference ID.
3. If notified within 30 minutes, our fraud and dispute desk can initiate a temporary bilateral freeze on the receiving wallet while the reversal is verified.
Airpaydigital incorporates multi-layered institutional safeguards on every transaction:
When shopping at supermarkets (e.g. Carrefour), petrol stations, or dining out, tap "Till QR Scanner" in your wallet.
Point your camera at the merchant's till QR code. The verified business name, till number, and bill amount will automatically populate. Confirm with your PIN or Face ID to settle from your float with zero merchant surcharge.
Yes! Airpaydigital maintains direct statutory clearing gateways:
Settled at 0.00% surcharge with instant official downloadable Tax Clearance Certificates (PDF).
Yes. You can instantly fund your Airpaydigital Virtual Visa Platinum Card from your central float. Use your 16-digit card number, CVV, and expiration date to spend globally on Amazon, Apple, Google, Netflix, and SaaS subscriptions with 3D-Secure OTP verification and 1-tap card freeze security.
Our dedicated Customer Concierge and Treasury Desk is available 24/7/365:
Log in to your account, pull commercial bank float, or send P2P across networks.