# Sahay — Sahay Pay

> Mobile wallet for payments, transfers, airtime, bills, and micro-loans. (iPhone/iPad app by Rays Microfinance Institution SC.)

- Source: https://appshunter.io/ios/app/sahay/id1537589273 (this page in markdown: same URL + `.md`)
- Developer: [Rays Microfinance Institution SC](https://appshunter.io/developer/1537589275)
- Category: Finance, Utilities
- Price: Free
- Rating: 3.59/5 from 17 App Store ratings
- Age rating: 4+
- Requires: iOS 13.0 · 32 MB
- Languages: English
- Released: 2021-04-14
- Data updated: 2026-07-01
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/sahay/id1537589273/reviews.md

## What is Sahay?

Rays Micro Finance Institution provides Mobile Wallet platform for its customers known as Sahay Pay. This wallet contains Customer, Agent and Merchant feature in a single app. 

The wallet is well designed to accommodate necessary requirements for making payments, funds transfer, airtime purchase as much more.

The wallet boasts of the following features;



1. Customer
a) Transfer Money to registered and unregistered user (peer to peer)
b) Cash Withdrawal at Sahay Agent, Rays MFI branch (cash out)
c) Airtime Purchase - Ethiotelecom
d) Merchant Payments (Pay with Sahay)
e) Bill Payments - (Ethiotelecom Postpaid, Ethiopian Airlines)
f) Digital Micro Loan
g) Uqub/Hagbad/Tablebanking



2. Agent
a) Cash Deposit
b) Cash Withdrawal
c) Airtime Purchase
d) Customer Registration
e) Customer PIN Reset
f) Bill Payment



3. Merchant
a) Receive Cash
b) Funds Transfer
c) Airtime Purchase
d) Bill Payment



This wallet is convenient, fast and secure. Download the app to start enjoying transacting with Sahay Pay - The fastest growing Mobile Wallet in Ethiopia

## Key features

- Peer-to-peer money transfer
- Cash withdrawal and deposit
- Airtime and bill payments
- Digital micro-loans
- Merchant payments
- Uqub/Hagbad/Tablebanking


## Frequently asked questions about Sahay

### What is Sahay?

Sahay is a mobile wallet platform provided by Rays Micro Finance Institution for its customers, agents, and merchants. It facilitates various financial transactions including payments, fund transfers, and airtime purchases.

### What types of payments can I make with Sahay?

You can make peer-to-peer transfers, cash withdrawals at agents or branches, purchase airtime for Ethiotelecom, pay bills for Ethiotelecom Postpaid and Ethiopian Airlines, and make payments to merchants.

### Does Sahay offer loans?

Yes, Sahay offers digital micro-loans to its customers. It also supports Uqub/Hagbad/Tablebanking features.

### What features are available for Sahay agents?

Sahay agents can perform cash deposits, cash withdrawals, airtime purchases, customer registration, customer PIN resets, and bill payments.

### Is Sahay secure?

The app is described as convenient, fast, and secure, designed to accommodate necessary financial requirements.

### What devices does Sahay support?

Sahay is supported on iPhone and iPod devices.

### How often is Sahay updated?

The latest version, 2.4, was released on February 13, 2024. Updates are released periodically to improve functionality and security.

### Does Sahay have ads?

No, Sahay does not contain advertisements. The app is free to use without any ad interruptions.

## Version history (last 5 releases)

### 2.4 — 2024-02-13

Bug fixes and improvements

### 2.3 — 2024-02-03

bug fixes and enhancement

### 2.2 — 2023-12-08

Bug fixes and improvements

### 2.1 — 2023-11-10

bug fixes and enhancements

### 2.0 — 2023-11-06

Bug fixes and improvements

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## More apps by Rays Microfinance Institution SC

- [SahayPay](https://appshunter.io/ios/app/sahaypay/id6475752358)

All apps by Rays Microfinance Institution SC: https://appshunter.io/developer/1537589275

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*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 2026-07-01.*