PayCad vs Pooled Cash

PayCad Uganda's Smart Payment Platform PayCad puts your entire financial life in one secure wallet. Send money instantly to anyone in Uganda, top up electricity and water, pay KCCA and URA taxes, buy bus tickets, and pay for parking all from one app. SEND MONEY INSTANTLY Transfer UGX to any PayCad user in seconds using their phone number or QR code. No delays, no paperwork. TOP UP YOUR WALLET Fund your PayCad wallet using MTN Mobile Money, Airtel Money, Visa, or Mastercard. PAY UTILITY BILLS • UMEME electricity tokens and postpaid bills • NWSC water bills • DStv, GOtv, and StarTimes TV subscriptions PAY TAXES • Uganda Revenue Authority (URA) taxes • KCCA local government fees • URSB business registration fees BUS TICKETS Search routes, compare fares, and book intercity bus tickets across Uganda. Instant e-ticket on your phone. PARKING PAYMENTS Pay for parking in Kampala and major towns without cash. Scan the zone code and go. POLICE FINES Look up and pay traffic fines by ticket number. Fast, official, and recorded. SECURE BY DESIGN • 4-digit PIN protection on every transaction • Firebase phone number verification • All data encrypted in transit and at rest • No card details stored on our servers Works on web, coming soon on WhatsApp and USSD for feature phones.

Stop being the debt collector in your friend group. Pooled makes it simple to collect money for trips, events, gifts, and shared purchases - without the awkward texts, spreadsheets, or wondering who actually paid. **How it works:** 1. Create a pool in under a minute. Name it, set the goal, and decide the rules upfront. 2. Share the link with your group. Everyone pays their share with a card and sees it happen in real time. 3. Relax. If you hit the goal, funds are released to the organizer's verified bank account. Fall short? Everyone gets refunded automatically. **Why Pooled is different:** - Complete transparency: Everyone sees who's in and who's paid. No guessing, no black boxes. - Clear rules from the start: Know what happens if you fall short or overfund—before the first dollar comes in. - Fair outcomes: Overfunded? The extra gets split back. Underfunded? Automatic refunds for everyone. - Pay by card: Contribute with any major debit or credit card. Payments are processed by Coinflow, a PCI-compliant provider—your card details never touch Pooled's servers. - Withdraw to your bank: Organizers link a bank account via Plaid and receive funds directly. Identity is verified to keep the platform safe. **Perfect for:** - Group trips: Bachelor parties, ski weekends, beach houses. One person books, everyone pays their share upfront. - Tickets and events: Concerts, games, group dinners. Buy the tickets when they go on sale, collect money without the spreadsheet. - Group gifts: Weddings, baby showers, retirements. Pool together for something meaningful. - Shared purchases: Anything your group needs to fund together. **Key features:** - Create pools with custom funding goals and deadlines - Invite friends via shareable links - Track contributions in real time - Card payments powered by Coinflow - Bank linking and withdrawals powered by Plaid - Identity verification for organizers who receive funds - Built-in overfunding and underfunding refund rules - Private pools for invite-only groups - Secure phone number authentication We handle the money so you can focus on the experience. No more fronting thousands and hoping you get paid back. No more spreadsheets. No more awkward "did you send it yet?" texts. Set it up once. Share the link. Get back to planning the fun stuff. Download Pooled today and stop chasing. Start pooling.