We send transfers using electronic payments services, such as M-Pesa (operated by Safaricom) in Kenya, MTN mobile money in Uganda, and MTN in Rwanda.

In each case, we either collect account information from recipients (if they are already enrolled) or walk them through the process of opening accounts, which may include obtaining appropriate identification documents.

When we transmit electronic money to the recipient’s account, they receive a text message notifying them that they have been paid. Recipients can then exchange their mobile money for physical cash anywhere in the payment providers’ network of mobile money agents. Agents are often local shopkeepers, but can also be petrol stations, supermarkets, courier companies, cyber cafes, and even banks.

Recipients can also use their money to directly pay merchants who accept it as a form of payment.

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