Pay bills and transfer money swiftly and safely from anywhere
See how it worksWhy work with us?
Take a look at just a few of the reasons you should choose to use PayOnlime
Better user experience
Real time customer support
Transparent price structure
Lowest possible transfer fees
Fair exchange rate
Pan African single platform
Domestic, cross border and overseas transactions
Try our secure and user-friendly money transfer app and enjoy faster transfers
Check rates anywhere
and any time
Send money on
Add money to your wallet from multiple sources
We offer the African community living or working away from their home countries secure, quality and affordable electronic financial payment methods across Africa through one single platform
- Add money to your wallet from multiple sources
- Currency conversion with multi-currency wallet
- Pay bills (utilities, medical, Government, education)
- Pay salaries
- Pay fees
- Pay merchants (supermarkets, pharmacies, restaurants)
- Send money to:
- Other wallet free
- Mobile money
- Bank account
- Cash agent
Our multi-currency wallet
- Free wallet-to-wallet transfers
- Send money between PayOnlime wallets for FREE
- Pay bills and utilities for FREE
- Competitive exchange rates
* Subject to local restrictions
Free wallet-to-wallet transfer
- If you have money in your wallet, you can send it to any other PayOnlime Wallet, anywhere in the world, absolutely FREE
- We make sure the exchange rate will be competitive if you need to change your currencies
- We make sure more of your money goes to those you love, not to high service fees
- You can pay bills and utilities for FREE
- There is a small charge to withdraw cash
How it works - Get set up and start spending with your app in minutes
Simply download the PayOnlime SL App from Google Play or the Apple Store. Make sure the person you want to send to has also downloaded and installed the App. You’ll need to enter a few personal details so that we comply with the international banking regulations – it’s called KYC or “Know your Customer”.
User friendly Wallet
The PayOnlime wallet is designed to make your user experience one click away. Simple and easy!
Easy Setup, get it up and running in a few seconds.
Easy and Simple Reporting
Yes, it’s borderless
Connecting Africa to the world
Feedback from our customers
Mohamed I’m very happy to use PayOnlime as it allows me to do international and local transactions while laying on my couch.
Lyn Having an option which allows me to use of any mobile money platform has made life better. I can now send money to both Orange and Afrimoney from the same wallet. No stress!
Oswald Hanciles This app is great, I do all my transactions from home and avoid all the traffic in town. I couldn’t be happier.
Frequently asked questions
What is the exchange rate?
The exchange rate is usually determined by Master/Visa card and the bank.
If your transaction involves converting your payment currency into a different currency, we’ll display our exchange rate to you. Our exchange rate includes a currency conversion spread.
All currencies will be converted at the exchange rate displayed at the time of the transaction. PayOnlime’s exchange rates change regularly based on financial markets or the rates provided by our local partners.
When you pay for money transfer using a credit/debit card, your card issuer may charge a cash advance fee in addition to PayOnlime’s transaction fee.
What are the transfer charges?
- Adding money to your PayOnlime wallet is ________
- The fees to transfer funds to Mobile Money wallet, bank account or cash pickup vary depending on:
- Transaction type
- Your payment method and what currency you pay with
- The amount of the transaction
- Which country the transaction is going to
- Which currency you select for the other person to receive
- Transfer of funds to other PayOnlime wallet is FREE
How do I check the fees when sending money?
To check the fees when sending money to mobile money wallet, for cash pickup, or to a bank account:
- Open the PayOnlime app or visit the PayOnlime website and select the Fee Calculator
- Choose “send to” and pick a destination country
- Enter the amount you want to send
- Click Show Fees to check the fees for each payment method
How much money can I transfer?
The limits depend on the legal requirements of the receive country.
For further information please contact our customer service on +23290000111 / +23232000111.
Which countries can I send money to from Sierra Leone?
You can send money from Sierra Leone to the following countries _________
Do I need to register to send money on PayOnlime?
Yes, to send money you need to be registered. Once you have successfully registered you can start sending money instantly.
What types of bills can I pay with PayOnlime?
The types of bills you can pay change according to the country you’re sending to.
You may be able to pay the following Utility bills with PayOnlime:
My PayOnlime account
How can I add money to my PayOnlime wallet?
You can add money to your PayOnlime wallet using your Mobile Money wallet, Debit/Credit card or bank account.
Can I get a receipt for my transaction?
A receipt will be sent to your email after the transaction is made. You can also see the details of all your transactions in your profile.
Does it cost anything to register for a PayOnlime wallet?
No, it’s free to register.
Who can register and use PayOnlime?
To use our online money transfer service, you must meet the following criteria:
- Must have a valid ID (Passport, National ID, Driver’s License, Voter’s ID)
- Must be of at least 18 years of age on the date of registration.
- Must have a valid phone number
Does PayOnlime need to confirm my identity?
Yes, before making your first online transfer, you will need to verify your identity.
After creating your account, you’re required to provide the following information:
- Full name.
- Mobile phone number.
- Date of birth.
- Your ID details. (Date of issue, Date of Expiry and ID Number) If an expired ID is detected, you will be asked to provide a new one.
What ways can I receive a money transfer?
What do I need to bring to pick up cash at an agent location?
Bring a valid government-issued ID and the collection PIN.
Terms & Conditions
References in this document to “PayOnlime” includes reference to all of the companies trading under the PayOnlime brand depending upon the location of the services being
purchased and/or accessed by you (“You”) pursuant to the terms set out in this document.
This document sets out the terms which govern your (“Your”) use of PayOnlime’s (or “Our”) online payment services (“POPS”) in connection with Your purchase of products and services available from PayOnlime and third party service providers, whose products and services are made available through the PayOnlime applications and website at www.payonlime.com and any other branded or co-branded websites (including sub-domains, international versions,
widgets, and mobile versions); (b) social plugins such as the ‘like button’, the ‘share button’ and other similar offerings; and (c) other media, brands, products, services, software (such as a toolbar), devices, or networks now existing or later developed by PayOnlime (collectively “PayOnlime Provided Services”).
As PayOnlime, we are not in a position to verify the consent of a parent or guardian, You may not use the POPS if you are under the age of 18.
2. Payment Methods
2.1 You may complete transactions via the POPS using approved Funding
2.2 When You provide a Funding Instrument to us, you confirm that You are permitted to use that Funding Instrument. When You fund a transaction, you authorise us (and our designated payment processors) to charge the full amount to the Funding Instrument You designate for the transaction. You also authorise us to collect and store that funding instrument, along with other related transaction information.
2.3 If You pay by credit or debit card, We may obtain a pre-approval from the issuer of the card for an amount, which may be as high as the full price of Your purchase. We will bill Your card at the time You load funds for Your Additional Paid Services, or shortly If You cancel a transaction before completion, this pre-approval may result in those funds not otherwise being immediately available to You.
2.4 If You fund a payment by way of a debit card and the transaction in question invokes Your overdraft, you shall be responsible for bearing the associated costs.
2.5 Mobile operator billing is another payment method We may make available for Your convenience. If You use mobile billing as a Funding Instrument, you consent to the following applicable risks and other terms:
2.5.1 By making a payment via the mobile billing payment method, you agree that PayOnlime and Your mobile operator may exchange information about You in order to facilitate completion or reversal of payments, resolution of disputes, provision of customer support, or other billing-related activity.
2.5.2 You shall be responsible for any associated charges, fees, changes to Your mobile plan service or billing, alterations to Your mobile device, or any other consequence that may arise out of Your use of the mobile billing method.
2.5.3 By making a payment via the mobile billing method, in addition to these Terms You also agree to being bound by additional terms at Your mobile operator’s direction and if You have any queries regarding such payable charges then You shall take these up with Your mobile operator.
3. Actions We May Take
3.1 We reserve the right to revoke Your eligibility to use POPS at any time at our sole
3.2 By using POPS, we reserve the right to, and you agree to allow us to make any inquiries that We consider necessary, either directly or through third parties, concerning your identity and creditworthiness.
3.3 We may cancel any transaction if we believe the transaction violates these POPS Payment Terms, or if We believe doing so may prevent financial loss. We may also cancel any electronic value accumulated, transferred, assigned, or sold as a result of fraudulent or illegal
3.4 In order to prevent financial loss to You or to us, we may place a delay on a payment for a period of time, or limit Funding Instruments for a transaction, or limit Your ability to make a purchase, or deactivate Your account.
3.5 In order to prevent financial loss to You or to us, we may contact Your Funding Instrument issuer, law enforcement, or affected third parties (including other users) and share details of any payments You are associated with, if We believe doing so may prevent financial loss or a violation of law.
3.6 If there is a balance remaining on Your account, the balance shall be submitted to the appropriate governing body as required by law.
4. Disputes and Reversals
4.1 If You enter into a transaction with a third party in relation to the purchase of PayOnlime Provided Services and have a dispute over the goods or services You purchased, we have no liability for the goods or services underlying the transaction where they are not identified as being an PayOnlime provided service (a “PayOnlime Service”). Our sole responsibility is to handle Your funding transaction in a competent and risk-free manner. All funding transactions are final unless otherwise required by If You order something that becomes unavailable before it can be provided to You, you may request a refund of the amount you advanced for the PayOnlime Provided Services.
4.2 If You believe that an unauthorised or otherwise problematic transaction has taken place under Your account, you agree to notify us immediately, so that We may take appropriate action to prevent any financial loss resulting from the unauthorised transaction. Unless You submit the claim to us within 30 days after the charge, You will have waived, to the fullest extent permitted by law, all claims against us arising out of or otherwise related to the transaction.
4.3 At our discretion, we may intervene in disputes concerning payments that may arise between You and the other party, but We have no obligation to do so under these POPS Payment Terms.
4.4 If You experience a technical failure or interruption of service that causes Your funding transaction to fail, You may request that Your transaction be completed at a later time
We may update these POPS Payment Terms at any time without notice as We deem necessary to the full extent permitted by law. The POPS Payment Terms in place at the time You confirm a transaction will govern that transaction.
6. Customer Complaints
If You have concerns with respect to the money transmission activities conducted via POPS, you may contact PayOnlime by email to firstname.lastname@example.org
7. Additional Terms
Some countries may restrict or prohibit Your ability to make payments through the POPS. Nothing in these POPS Payment Terms should be read to override or circumvent such local legal provisions.