Pay without going to the agent first.

Scan a shop’s code and pay from your mobile money. Send money with a phone number. Split what you owe without three people doing arithmetic.

Free. Works with MTN, Airtel and Zamtel.

What you can do

The things you already do, without the cash.

Pay a shop

Scan the code by the till, check the amount, approve it with your PIN.

Send money

A name or a phone number is enough. It goes to their mobile money.

Ask to be paid back

Request what you’re owed, and let them settle it with one tap.

Split a bill

Say what it cost and how many of you there were. Everyone gets their share.

Keep the receipts

Proof of what you paid and to whom, instead of an SMS folder.

Splitting up a bill

Say what it cost. Everyone gets their share.

No arithmetic at the table and no chasing afterwards. Flash asks each person once, reminds them once, then stops.

Splitting K100 between three people. Who has paid and who is still waiting. The home screen: a sentence about your week.

1Who was there

Say what it cost.

Pick the people, put in the number. Flash works out the shares and asks each of them. You do not send three messages.

2Who has paid

And who hasn’t.

One line each: paid, or waiting. When you want to chase, it is one nudge to everyone outstanding. Asked once, reminded once, then it stops.

3Where you stand

It comes back to you.

Everything you are owed and everything that needs you, in a sentence, on the screen you open first.

Your money, your account

Flash never holds it.

Your money stays in your mobile money account. Flash asks your network to move it, and you approve every payment yourself before anything leaves.

  1. You choose what to payThe amount and who gets it, in plain words.
  2. You approve itOn your phone, with the PIN only you know.
  3. Your network moves itStraight to them. Never held in between.

Run a shop as well?

The same account can take payments from your customers, by code, by link, or by invoice.