SaylorPay

Tired of memorizing and manually dialing USSD short codes? SaylorPay automates Mobile Money transactions for Subscribers, Merchants, and Agents across major networks; All in one powerful app that works offline.

BUILT FOR THREE CORE USERS
• Subscribers: Send/receive money, buy airtime/data, check balance, cash out – all without dialing codes. Supports MTN Ghana, Telecel Ghana, AirtelTigo Ghana.
• Merchants: Accept payments directly to your mobile money account. Generate QR codes, manage sales, and transfer funds. Supports MTN Ghana Merchant SIMs.
• Mobile Money Agents: Power your business with a dedicated dashboard for faster cash-in, cash-out, and customer transactions. Supports Agent SIMs from all major networks.

KEY FEATURES
• Works Offline: No internet? No problem. Smart USSD automation processes all transactions in the background.
• One App, All Networks: Works with MTN, Telecel, and AirtelTigo. No need to download multiple apps.
• Send Money: Send money to any mobile money user across all networks.
• Withdraw Money: Cash out from any agent or ATM without dialing codes.
• Check Balance: Instantly check your mobile money balance , airtime and data balance.
• Buy Airtime: Purchase airtime for yourself or any mobile number.
• Buy Data Bundles: Subscribe to data plans across all networks for yourself or others.
• Scan to Pay: Scan mobile money QR code to make instant payments.
• Generate QR Codes: Create your own payment QR codes to receive money.
• Accept Online Payments: Add "Tap to Pay" buttons or QR codes to your website or app. Customers pay you directly. No third-party processor.
• Bulk Payments: Send money to dozens of recipients. Perfect for payroll or disbursements.
• Check Your Phone Number: Display and copy your phone number. Great if you don't know it or need to share with agents.
• Unified Transaction History: View all your mobile money transactions from MTN, Telecel, and AirtelTigo in one place.
• SMS Forwarder Toolkit: Forward or backup transaction SMS for record-keeping and seamless processing.
• Direct & Fee-Free: Payments go straight to your mobile money account. We never hold funds.


IDEAL FOR
✓ Everyone making daily transactions
✓ Businesses & Merchants
✓ Mobile Money Agents
✓ Organizations handling bulk payments



ACCESSIBILITY SERVICES USAGE

SaylorPay uses Accessibility Services to automate USSD code dialing and navigation on your behalf. This eliminates the need to manually dial codes like 170# or 110# for mobile money transactions.

The app reads USSD menus displayed on your screen and automatically selects the correct options to complete your requested transaction (sending money, buying airtime, checking balance, etc.). You can disable this permission at any time in your device settings.

SaylorPay does not collect, store, or share any personal information accessed through Accessibility Services. The service is used solely to automate USSD menu navigation on your device. All transactions are processed directly through your mobile money network operator.



SMS PERMISSION USAGE

SMS permission is required to read mobile money transaction messages from supported Telcos (e.g., "Mobile Money", "T-CASH", "ATMoney"). This enables SaylorPay to:

• Generate and display a unified transaction history from multiple networks in one place
• Optionally allow merchants to accept and confirm payments in real-time during website or app checkouts (disabled by default)

We do not read personal messages, OTPs, or other conversations. SMS access is strictly limited to mobile money transaction confirmations. You can revoke this permission anytime in device settings. Optional cloud sync lets you access your transaction history from any browser.