# Pay'am — scan and pay > Offline payment facilitator for goods and services in Africa, linked to existing wallets/banks. (iPhone/iPad app by GLOBEXCAM GROUP LIMITED.) - Source: https://appshunter.io/ios/app/payam/id1578880067 (this page in markdown: same URL + `.md`) - Developer: [GLOBEXCAM GROUP LIMITED](https://appshunter.io/developer/1157308873) - Category: Finance, Utilities - Price: Free - Rating: 5.00/5 from 3 App Store ratings · 3 written reviews indexed - Age rating: 12+ - Requires: iOS 10.0 · 121 MB - Languages: English - Released: 2022-01-04 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/payam/id1578880067/reviews.md ## What is Pay'am? Pay'am is an app that facilitates the payment of goods and services 7 times faster in Africa, without an internet connection. The goal of the app is to promote a digital economy for economic growth in Africa. NB: Pay'am is not a mobile wallet, it is a facilitator of financial transactions across network providers and banks. It uses your current mobile wallet or bank to facilitate the process of paying for goods and services and sending money * Send and request money: With Payam, you can send money to your peers across any network provider. You can do that either by selecting the person's contact in your contact list, scanning his or her QR Code, or inputting the receiver's number manually. The transaction happens within seconds. * Pay bills: Pay utility bills like Water, Electricity, and TV cable bills from the comfort of your home or office with the payamapp. * Deposit or withdraw money: You can easily make a deposit or withdrawal from your local agent faster and more securely. * Buy Airtime and internet data * Check balance: Check the balance of your mobile wallet, internet data, and airtime This app uses Accessibility Services to simplify and visualize complex, USSD-based processes for illiterate and innumerate users. ************************************************ Supported countries: Cameroon Rwanda ************************************************ Supported operators and service providers: Cameroon: -- Operators MTN Cameroon Orange Cameroon -- Service providers MTN Mobile Money Cameroon Orange Money Cameroon Rwanda: -- Operators MTN Rwanda -- Service providers MTN Mobile Money Rwanda ********************** Pay for goods and services with the payam app up to 7 times faster! Scan QR code to send money, withdraw, or deposit Use your preferred mobile wallet or bank Send money or pay merchants without internet Secured biometrically and with PIN code Multiple services available per country Send money or request payment from others Receive payments through QR code ## Key features - Send and request money offline - Pay utility bills - Deposit and withdraw money - Buy airtime and data - Check mobile wallet balance - QR code payments - Supports multiple network providers and banks ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/payam/id1578880067/reviews.md ### 5/5 — Awesome *2022-01-24, version 1.0.7* Tried this app and I most say it’s a good one , can’t wait for the rest features to roll out, already started introducing this app with friends , makes mobile transaction so much easy. Nice UI as well ### 5/5 — Best offline app for facilitate transactions *2022-01-22, version 1.0.7* I love the fact it’s offline. No more wasting time to to dial USSD codes and numbers. Thanks guys…keep up! ### 5/5 — Amazing *2022-01-04, version 1.0.7* Amazing, this app is finally available for iOS device ## Frequently asked questions about Pay'am ### How secure is Pay'am? Pay'am is secured biometrically and with a PIN code, ensuring the safety of your financial transactions. It acts as a facilitator, leveraging the security of your existing mobile wallet or bank. ### What countries does Pay'am support? Pay'am currently supports Cameroon and Rwanda. It works with specific operators and service providers within these countries, including MTN and Orange. ### Can I use Pay'am without an internet connection? Yes, a key feature of Pay'am is its ability to send money and pay merchants without an internet connection, making it ideal for areas with limited connectivity. ### Does Pay'am work with any bank or mobile wallet? Pay'am facilitates transactions across network providers and banks. It uses your current mobile wallet or bank to process payments, supporting services like MTN Mobile Money and Orange Money in supported countries. ### What types of transactions can I perform with Pay'am? You can send and request money, pay utility bills (water, electricity, TV cable), deposit or withdraw money, buy airtime and internet data, and check your mobile wallet balance. ### Is Pay'am suitable for users who are illiterate or innumerate? Yes, Pay'am utilizes Accessibility Services to simplify and visualize complex USSD-based processes, making it easier for users who are illiterate or innumerate to manage their finances. ### How often is Pay'am updated? The latest version of Pay'am is 1.0.7, and it was last updated on January 4, 2022. Information on update frequency beyond this is not provided. ### What is the age rating for Pay'am? Pay'am has an age rating of 12+, indicating it is suitable for users aged 12 and above. ## Version history (last 1 release) ### 1.0.7 — 2022-01-04 No release notes. ## Apps similar to Pay'am | App | Rating | Price | Category | | --- | --- | --- | --- | | [Charge Payment Links](https://appshunter.io/ios/app/charge-payment-links/id6444095055) | — | Free | Finance | | [EPS wallet](https://appshunter.io/ios/app/eps-wallet/id1545981861) | — | Free | Finance | | [Nesspay](https://appshunter.io/ios/app/nesspay/id1585842280) | — | Free | Finance | | [Jufopay](https://appshunter.io/ios/app/jufopay/id1580163395) | — | Free | Finance | | [KAYD](https://appshunter.io/ios/app/kayd/id1534559145) | — | Free | Finance | | [Biya Merchant](https://appshunter.io/ios/app/biya-merchant/id1659866177) | — | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*