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FadPay Personal · one account

Your money, connected.

A FadPay Account isn't another place to park cash — it's the financial identity that connects your banks, your cards, Wave and Orange Money. One balance, one history, every rail you already use, moving as one.

Open your FadPay Account See the platform
1 account
banks, cards, Wave & Orange Money
<3 s
average transfer time
Owner-only
your FadPay Score stays yours
+180 000 F CFA
Salary received
48 paid in 1 tap
FadPay Pro payroll
F
Hello,
Fatimetou
Total balance
250 450F CFA
+19.96% this month
Send
Pay
Exchange
Tontines
Recent
Salary · Téranga
Today
+180 000
Café Layu
Dakar
−1 200
Aïssata Ba
Received
+5 000
Account Sources Tontines Menu
T
FadPay Pro
Téranga Digital
Payroll · July
6 employees · ready to pay
MD
Mamadou Diop
Backend Engineer
180 000
AB
Aïssata Ba
Product Designer
165 000
ON
Ousmane Ndiaye
Growth Lead
200 000
MS
Mariama Sy
Support
120 000
Pay 6 · 955 000 F CFA
Send money
Amount
25 000F CFA
Recipient
AB
Aïssata Ba
+221 77 468 21 09
Face ID authentication
Required before sending
Confirm & send
Connected sourcesAll verified
W
Wave
Mobile money · default
Default
OM
Orange Money
Mobile money
Verified
VI
Visa ·· 4412
Card · virtual & physical
Verified
CB
CBAO ·· 8842
Bank account
Verified
One balance across them all
254 380 F CFA
Send
One account, every rail

Stop juggling apps. Connect them.

Link your bank, your cards, Wave and Orange Money to a single FadPay Account. Money in, money out — FadPay routes every payment over the healthiest network automatically, so it just arrives.

  • Add money from anywhere. Top up from any linked source in seconds and see one live balance.
  • Withdraw to anywhere. Send funds back to your bank, card or mobile money whenever you choose.
  • Smart routing, built in. If a network slows down, your payment takes another path — automatically.
Connect your money
Everything your money does

One account, a full financial life

From the morning coffee to the tontine payout, every way you move, save and understand money — in one place, in your language.

Instant transfers

Send money to any FadPay Account or phone number in seconds — with live status and human receipts.

Bill pay

Pay SDE water and Senelec electricity straight from your balance — referenced, receipted, on time.

QR payments

Scan to pay any merchant, or show your code to get paid. No card machine, no cash, no friction.

Card management

Virtual and physical cards you can issue, freeze and manage in a tap — for online and everywhere else.

Savings

Set goals, put money aside automatically and watch it grow — separate from your everyday balance.

Investments

Coming soon

Put your savings to work with simple, transparent investment products built for the region.

Tontines

The savings circles you already trust — digital, automatic and private by design. Members see aliases only; nobody sees who received a payout.

Currency exchange

Hold and convert F CFA, USD and EUR at fair, transparent rates shown before you confirm.

International transfers

Reach family and partners abroad through supported card and bank networks — from the same account.

History & reports

Search every transaction, filter by type or date, and export clean statements whenever you need them.

Recurring payments

Rent, subscriptions, family support — schedule them once and FadPay handles every due date.

Insights & budgets

See where your money goes by category and month, set budgets and get nudged before you overshoot.

FadPay ScoreGood
719
Visible to you — and only you
A business asks, you decide
"Does this customer meet an income of 150 000 F CFA?"
Income requirement satisfied Your salary was never shared
The FadPay Score

A score that opens doors — without opening your books

Every FadPay Account builds a FadPay Score from real activity: verified identity, connected sources, tontine discipline, steady inflows. It's yours alone — no business, no lender, not even our API can read the number.

  • Owner-only, always. Your score and its factors are visible to you and nobody else.
  • Answers, not numbers. When a business needs proof — eligibility, income, identity — it asks a question. You approve, and it receives an attribute like "Eligible" or "Income requirement satisfied". Never your balance, never your salary.
  • You hold the switch. Every request waits for your explicit approval, and you can revoke any authorisation at any time.
How we protect you
Privacy by design

Your money is your business

Privacy isn't a setting you find later — it's how the FadPay platform is built, from the score to the tontine roster.

Owner-only score

Your FadPay Score never leaves your account — it is even blocked on our own API.

Attributes, not data

Verifications answer with "Verified" or "Eligible" — never the underlying numbers or documents.

Private tontines

Members appear as aliases. Balances, winners and payouts stay between you and your own history.

You approve, you revoke

Nothing is shared without your explicit approval, and every authorisation can be withdrawn in a tap.

One account. All your money. Connected.

Open your FadPay Account in minutes, link the banks, cards and mobile money you already use, and let it all move as one.

Open your FadPay Account See how it's protected