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Make sure you have the latest version of the Moya app - you can update Moya from Google Play

Tap on the MoyaPayD icon at the bottom of your phone screen (the one after Chat and Discover).

Sign-up and start using MoyaPayD 😁


What are the minimum requirements to register for MoyaPayD?

Any over 18 South African Resident with a valid ID document or Foreign National with a valid Passport.

Why is it necessary to provide my personal details?

It is important to know who you are so that we can keep your money safe according to the regulated and anti money laundering laws of South Africa.

Why is my MoyaPayD account blocked?

If you sign in and you wallet is blocked your passport or ID has expired.

You will be guided to resubmit your Verification information with a valid details.

Once you have done this, you are free to enjoy MoyaPayD again!


MoyaPayD is a #datafree mobile money account which allows you to:

  • store money safely and securely
  • get paid by anyone
  • withdraw cash at ATMs and registered shops
  • send money to other MoyaPayD users or any bank account
  • buy airtime, data, electricity and other prepaid coupons
  • make purchases using from MoyaPayD at participating stores.

Do I need airtime or data balance to use MoyaPayD?

No! MoyaPayD is #datafree and you can use it anytime, even if you do not have data or airtime balance.

Is MoyaPayD provided by a bank?

No, MoyaPayD is brought to you by Datafree Africa Pty Ltd, a legally registered company in South Africa.

All funds in MoyaPayD accounts are held safely and securely in a South African bank account managed by Automated Outsourcing Services (Pty) Ltd, a nominee company approved by the Financial Services Conduct Authority of South Africa.

Who can use MoyaPayD?

Any person 18 years or over who is legally resident in South Africa with a valid South African ID document or valid foreign passport document.

Who can pay me using MoyaPayD?

  • You can get paid by any of the following:
  • Banking App via MasterPass (Capitec, Netbank, FNB, RMB, ABSA, Standard Bank, VodaPay)
  • Electronic Funds Transfer from any bank OR another MoyaPayD user (first 5 transfers daily are free!)

Who can I pay using MoyaPayD?

You can pay another MoyaPayD user by scanning their QR code, setting them up as a beneficiary or searching for their mobile number in your contacts. You can also pay participating stores by creating a code and presenting it to the teller. Please see MoyaPayD app for list of stores in app - Money Out » Pay » Show Code to Pay, then select the VIEW PAYMENT SHOPS button for full list.

How long does it take to receive payment"

MoyaPayD user to user - immediate! EFT In - normal banking times apply. Via other above mentioned apps - immediate.

Do I need to have a bank account to use MoyaPayD?

No! MoyaPayD is your account!

Can I use my MoyaPayD anytime day or night?

Yes, MoyaPayD is available 24 hours a day, all your round.


Professionalise your hustle - get MoyaPayD!

When you sign-up for MoyaPayd you get your own personal QR code that all people can use to pay you, with whatever banking or payment app they like.

Apps that can be used to pay you:

  • MoyaPayD
  • Masterpass
  • Capitec
  • Standard Bank
  • Absa
  • FNB Pay
  • Nedbank
  • RMB Pay
  • VodaPay
  • more coming…

You just have to show your MoyaPayD QR code and snap, anyone can pay you:

  • when you do work and want to get paid
  • to get paid a tip when someone has no cash
  • when you sell something and want to get paid
  • when a friend wants to pay you
  • and many more examples..

When you get paid this way you receive the money in your MoyaPayD account straight away.


Can anyone pay me into my MoyaPayD account?


Get cash-in to your MoyaPayD account paid by:

  • Transfer from another MoyaPayD account
  • EFT transfer from any bank
  • Wages or salary from your employer paid to your MoyaPayD account
  • Payment from banking or payment app by scanning your QR code
  • Cash deposit via Absa ATM

Money sent to me via EFT is not reflecting in MoyaPayD

Please note that it can take up to 3 working days to reflect as per normal banking rules. It could also be that the incorrect reference number has been used. You can find your reference number in-app Money In » Top Up » From a bank account. Please contact support with your mobile number, reference number and proof of payment to ensure your funds get allocated to your MoyaPayD account.

How do I load money into my MoyaPayD account if I don't have a bank account?

Money In » Get Paid and simply show your QR Code.

Can I transfer money from my bank account into my MoyaPayD account?

Yes! You can find your MoyaPayD Details in app - Money In » Top Up » From a bank account

Can I send money from my MoyaPayD account to a bank account?

Yes, it's as easy as adding a bank account and sending the money. Money Out » Bank Accounts and add your banking details.

How do I pay someone with MoyaPayD?

You can instantly send money to another MoyaPayD user! Money Out » Send Money » MoyaPayD Account

Can I send money to someone who is not a MoyaPayD user?

Yes, you can send them money by adding their banking details, but come on…it's immediate if they sign up for MoyaPayD!

Can I reverse a transaction I have submitted?

All codes to withdraw cash or pay shop that are not used are automatically refunded to you within 15 minutes!

How do I create a payment request for users to scan?

Simply show them your QR Code by selecting the following option in app: Money In » Get Paid

Can I withdraw cash from my MoyaPayD account?

You can create a code and present at any Shoprite, Checkers, USave or Checkers Liquor Store to withdraw anything between R20 and R2000! Money Out » Withdraw Cash »

How do I buy prepaid airtime and data bundles with MoyaPayD?

Money Out » Prepaid

Can I view a history of my past transactions?

For a full list of your transactions: My Account » Balances and click on the MoyaPayD account option

For all out going transactions: Money Out » Money Out History

How can I see my MoyaPayD balance?

When you select the MoyaPayD option in the Moya App, your balance is shown at the top of the screen

What is the benefit of adding beneficiaries?

If you want to pay someone and you are far away, adding a beneficiary will allow you to made quick payments over and over again.

How do I add beneficiaries?

There are two ways of adding beneficiaries My Account » Beneficiaries and select the Add Beneficiary option OR Money Out » Send Money » MoyaPayD Account and select a contact from your phone who you know also has a MoyaPayD Account. Once you have paid them, you will be given the option to save them as a beneficiary.

How do I get statements from MoyaPayD?

You can do this in app. My Account » Balances » Select the MoyaPayD Account » GET STATEMENT. You can download monthly statements to your phone!

At which shops can I pay at from MoyaPayD

Go to: Money Out » Pay » Show Code to Pay for list of shops you can purchase at from your MoyaPayD account.

Can I get a proof of MoyaPayD account?

You can download this to your phone - in app. My Account » Proof of Account


You can get a prepaid MoyaPayD Mastercard linked to your MoyaPayD account.

What does "Prepaid" Mastercard mean?

A prepaid Mastercard is like a prepaid SIM card.

You add money from your MoyaPayD account and only the prepaid balance on the card is available to spend.

When the prepaid balance on the card has been spent, you must add more money before you can use it again.

What happens if my prepaid MoyaPayD Mastercard is lost, stolen or copied?

If the prepaid balance is zeo you do not have to worry! The card cannot be used.

If there is prepaid balance on the card, another person will need the PIN code to use the card in most cases (the PIN might not be needed for small payments in shops when the card is tapped on a payment terminal).

A prepaid MoyaPayD Mastercard card does not have access to your MoyaPayD account to spend your money.

You can move money from a prepaid MoyaPayD Mastercard back to your main MoyaPayD account at anytime.

So if your card is lost or stolen, straight away you can use your MoyaPayD app to transfer card balance back to your MoyaPayD account.

Who can get a MoyaPayD Mastercard?

You can get a prepaid MoyaPayD Mastercard if:

  • you have a verified MoyaPayD account
  • you have a South African ID, OR
  • you are a foreign national with a valid work permit.

Why do foreign nationals need a work permit to get a MoyaPayD Mastercard?

This is a requirement under current banking regulations.

We are working hard with our card sponsor Access Bank to see if this can be changed.

We hope so and will be sure to provide an update here when that happens.

How do I order a MoyaPayD Mastercard?

In MoyaPayD go to: My Account → Cards and select CARD ORDERS.

Each card you order will cost R100.

How do I receive my MoyaPayD Mastercard?

When you order a MoyaPayD Mastercard it will be delivered to the closest PEP Store, ShoeCity or TekkieTown in South Africa for you to pick up.

The cost of delivery is R70.

How do I activate my MoyaPayD Mastercard?

Open the envelope that has your MoyaPayD card.

In MoyaPayD go to: My Account → Cards and tap on Link received card.

Enter the “serial” number and the card numer to link the card to your MoyaPayD account.

How do I add money to my MoyaPayD Mastercard?

In MoyaPayD go to: Money Out → Pay → Card → select which card you want to add money to.

You can also transfer money from your card back to your MoyaPayD account.

How do I transfer money from my card back to my MoyaPayD account?

In MoyaPayD go to: Money In → Transfer From Card → and select the card.

Where can I use a MoyaPayD Mastercard?

Anywhere in South Africa.

We are working with Access Bank to allow MoyaPayD Mastercards to be used outside South Africa.

We hope this will be possible by December 2021.

How many MoyaPayD Mastercards can I get?

Each MoyaPayD account can have up to 4 prepaid Mastercards linked to it.

Why would I want more than one card?

You may want a prepaid MoyaPayD Mastercard for yourself as well as one or more cards for other family members to use.

For example, you can link a second MoyaPayD Mastercard to your account and then send it to a family member who lives in another location.

You can add funds to their prepaid MoyaPayD Mastercard at anytime and they can immediately use the card at any shop or store in South Africa.

They could even go to any PEP store and get a cashback using the card to obtain cash.

How much does it cost to use a MoyaPayD Mastercard?

There is a fee of 1% to add funds to a prepaid MoyaPayD Mastercard from your MoyaPayD account. See fees and limits.

After that there are no fees or charges to spend money using your prepaid MoyaPayD Mastercard.

You can also use your card to withdraw cash from any ATM in South Africa.

The fee to withdraw from any ATM is R6.93 + R1.19 cents per R100.


Click here to see all fees and limits for using MoyaPayD.

What does the MoyaPayD service cost?

MoyaPayD is #datafree!

There are no monthly account charges for MoyaPayD - zero!

No fees to spend your money!

Your money is your money.

As far as possible in MoyaPayD we do not charge you to spend your money.

This is not like most banks where you have to pay a monthly account charge AND you have to pay transactions fees to spend your money or get cash.

If you have R100 in MoyaPayD, you have R100 - it is yours.

If you have R100 in most bank accounts, you do not have R100 because they charge you a fee to spend your money. We think that is crazy.

If there are fees in MoyaPayD to spend your money it is beacause of the fees charged by banks, for example to withdraw cash from an ATM using your MoyaPayD Mastercard.


Debit Orders are not allowed to be made to MoyaPayD accounts, by anyone.

No company or person will ever be able to apply debit order charges to your MoyaPayD account.

Never ever 💯


Is my money in MoyaPayD safe?

Never share your 5 digit MoyaPayD PIN with anyone. This is the only way to get to your money.

How easy or difficult is it for someone to steal my money?

The only way some can get to your money is if they have your 5 digit PIN. The MoyaPayD app will automatically log you our after 5 minutes of inactivity.

Can deductions be made from my MoyaPayD account without my knowledge?

No debit orders can run off your MoyaPayD account.

How do I activate the fingerprint security feature?

When you sign-up and enter your 5 digit PIN, your phone will ask you to add a finger print if the feature is possible on your specific device.

Do I need to enter my bank account details?

The only time you will have to add your banking details is if you choose to pay money to a bank account! You can also choose to delete this once you have compete the transaction.


Call Centre Hours

  • Monday - Friday: 08:00 - 19:00 (Due to new Covid restrictions)
  • Saturdays and National Holidays: 08:00 - 15:00
  • Email us at

What happens if I lose my phone or it gets stolen?

Immediately let your provider know and do a SIM Swop.

What happens when I get a new phone?

As long as you have the same number, you can download the MoyaPayD App and simply Login to your MoyaPayD wallet.

Can I have more than one MoyaPayD account?

You can only ever have one MoyaPayD account.

Can I login to MoyaPayD sing someone else's Moya app?

No, and that is because we want to keep your money safe.

How do I get support or help?

  • Email
  • Use our in-app support function - Setting » Help » Talk to Us

Where can I find the Terms of Service and Privacy policy?

You will see this as part of your sign-up process or it can be found in the app Settings » About MoyaPayD - Underneath the FAQ's section

How do I retrieve my PIN?

If you have forgotten you're PIN, you will need to select the 'Forgot Pin' option on your login page. You will receive a temporary PIN in your Moya Chat which you can use to login and change your PIN. Never share your PIN with anyone!

What can I do to check a payment has been made?

  • Unordered List ItemThere are three ways to check:
  • You will receive a verification message in Moya Chat for any funds coming into MoyaPayD.
  • All transactions can be viewed in app - My Account » Balances - select the MoyaPayD Account option.
  • View all out going transactions in app - Money Out » Money Out History

What can I do if I have an issue with a transaction?

You can email support at or contact us in app - Settings » Help » Talk To Us

What happens if the QR code reader at a pay point does not work?

You will see a number below the QR Code. Simply read this to the teller to complete your transaction.

How do I invite other people to Moya and MoyaPayD?

Tell your friends and family to download the Moya App. Once this is done they will automatically have the ability to easily sign-up to access MoyaPayD.


MoyaPayD is cheaper and better than a bank account, and works for everyone.

South African citizens AND foreign nationals in South Africa can get a MoyaPayD account.

MoyaPayD is always #datafree to use.

MoyaPayD is free to register.

There are zero account charges for MoyaPayD.

Wherever possible MoyaPayD does not charge you to spend your money.

Anyone can pay your MoyaPayD QR code, using their MoyaPayD account or any other banking app.

You can send money to any bank account and any bank account can send you money - even though MoyaPayD is not a bank account.

Your employer or anyone else can pay to your MoyaPayD account from their bank account or banking app.

We will never allow direct debit charges to MoyaPayD accounts - never ever.

start.txt · Last modified: 2022/01/18 12:38 by MoyaPayD Admin

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