SaylorPay

Tired of memorizing USSD short codes and navigating endless menus? SaylorPay automates Mobile Money transactions for Subscribers, Merchants, and Agents across major networks; all in one powerful app for Mobile Money, ECG prepaid, GWCL bills, and NHIS services. Your PIN is always private.

BUILT FOR EVERYONE

• Subscribers: Send money, buy airtime/data, check balances, cash out, and more.
• Merchants: Accept payments directly to your mobile money account. Generate QR codes, manage sales, and transfer funds.
• Mobile Money Agents: Speed up cash-in, cash-out, and customer transactions with a dedicated dashboard.

SAYLORHUB

Manage utility payments, health insurance, and mobile money services in one app:

• Buy ECG prepaid credit
• Auto-detect and link ECG meters
• Pay and check GWCL water bills
• Renew and verify NHIS membership
• Browse all Ghanaian USSD short codes in one place
• In-app USSD dialer

KEY FEATURES

• Works Offline: Smart USSD automation processes transactions without internet access.
• One App, All Networks: Supports MTN, Telecel, and AirtelTigo from a single interface.
• Send Money: Transfer funds to mobile money users across supported networks.
• Withdraw Money: Cash out without manually dialing codes.
• Check Balances: Mobile money, airtime, and data balances in one place.
• Buy Airtime & Data: For yourself or others.
• Scan to Pay: Pay instantly with QR codes.
• Generate QR Codes: Receive payments directly to your account.
• Accept Online Payments: Add payment QR codes or "Tap to Pay" buttons to your website or app.
• Bulk Payments: Send to multiple recipients with automatic retry for failed transactions.
• Check Your Phone Number: Quickly view and copy your number.
• Unified Transaction History: View transactions from multiple networks in one timeline.
• SMS Forwarder Toolkit: Forward or back up transaction SMS for record keeping.
• Direct & Fee-Free: Payments go directly to your mobile money account. We never hold funds.

UNIFIED TRANSACTION HISTORY

• View MTN, Telecel, and AirtelTigo transactions in one place.
• Automatically categorized as Sent, Received, Deposit, or Withdrawal.
• View transaction IDs, references, fees, balances, sender details, SIM slot, and sync status.
• Quick statistics and summaries of your activity.

EXPORT & BACKUP TRANSACTION HISTORY

• CSV Export
• JSON Export
• Import & Restore Transactions

IDEAL FOR

✓ Everyday Mobile Money Users
✓ Merchants & Businesses
✓ Mobile Money Agents
✓ Organizations Handling Bulk Payments

ACCESSIBILITY SERVICES USAGE

SaylorPay uses Accessibility Services to automate USSD mobile money transactions, eliminating the need to manually dial codes such as *170# or *110#.

The app reads and navigates USSD menus on your device to complete actions initiated within the app, such as sending money, buying airtime, and checking balances. You can disable this permission at any time in your device settings.

We do not collect, store, or share information accessed through Accessibility Services. It is used solely for USSD automation on your device. All transactions are processed by your mobile money network operator.

SMS PERMISSION USAGE

SMS permission allows SaylorPay to read transaction SMS from supported telcos (e.g., "MobileMoney", "T-CASH", "ATMoney") to:

• Create and display a unified transaction history
• Optionally support real-time merchant payment confirmations (disabled by default)

SaylorPay does not access personal messages, OTPs, or conversations. SMS access is limited to mobile money transaction notifications and can be revoked at any time. Optional cloud sync lets you access your transaction history from any browser.