PayCad vs DigiiSente

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.

DiGii Sente is Uganda's modern mobile wallet — send and receive money, pay bills, buy airtime, save with groups, and more, all from your phone. KEY FEATURES: SEND & RECEIVE MONEY - Send to any DiGii wallet instantly - Deposit and withdraw via MTN and Airtel Mobile Money - Transfer to bank accounts - Receive money via your unique DiGii ID or QR code MOBILE MONEY - Deposit from MTN or Airtel to your DiGii wallet - Withdraw to any mobile money number - Real-time transaction tracking PAY BILLS & BUY AIRTIME - Buy MTN and Airtel airtime and data bundles - Pay YAKA, UMEME, and water bills - Pay DStv, StarTimes, and other TV subscriptions - All utility payments in one place MERCHANT PAYMENTS - Scan merchant QR codes to pay - DiGii Pay — fast checkout at any DiGii merchant - Digital receipts for every payment GROUP SAVINGS (VSLA) - Create or join Village Savings & Loan groups - Nigiina (Round Robin) savings circles - Investment Clubs for pooled investments - Track contributions, shares, loans, and withdrawals - Multiple group types: SACCO, Church, Clan, Farmers, Youth, and more PERSONAL SAVINGS - Set savings goals and track progress - Automated deposits to your savings wallet - Watch your money grow OLUWALO - Contribute to Buganda Kingdom cultural events - Support community initiatives digitally EVENTS & TICKETING - Browse and attend local events - Buy tickets and support fundraisers CHAT & VOICE CALLS - Message other DiGii users directly - Group chats for your savings groups - Free voice calls over the internet - Send money within chat conversations SECURITY YOU CAN TRUST - Face ID and fingerprint authentication - 4-digit PIN for every transaction - End-to-end encrypted storage - Device binding and fraud detection - Two-factor authentication (2FA) Download DiGii Sente today and take control of your money!