A whole new world of payment in the palm of your hand
Calculator
From here to home, instantly
Find out more
Your world - in one app
Find out more
Borderless transfers, boundless possibilities.
Find out more
Why work with us?
Take a look at just a few of the reasons you should choose to use PayOnlime
Better user experience
Fast & transparent customer journey
Real time customer support
Instant assistance 24/7
Fairer price
Competitive transparent fees & FX rate
Cheaper digital payment
Pay bills at no or at the lowest charge
Easier digital shopping
Pay at Merchants POS by QR_Code and P2P
Our solutions are carefully crafted to provide customers with enhanced user experience, the lowest possible transfer fee and fair exchange rate
Submit your email address and we'll send you a link to download PayOnlime
E-wallet
Your money, securely at your fingertips
PayOnlime Wallet is designed to make sending and receiving money effortless. Experience seamless transactions and enjoy instant access to your funds, anytime and anywhere.
User friendly Wallet
Easy and Simple Reporting
View and check any transaction made.
Generate transactions statements by any type or format.
Instant
With the PayOnlime wallet you can now send money from anywhere in the world at any time and your friend or family can cash it out immediately from any mobile money agent across Sierra Leone.
Multi-Currency,
Multi-Convenience,
Multi-Benefits
Transfers
Fast, safe, and affordable transfers made simple.
Try our secure and user-friendly money transfer app and enjoy faster transfers
Check rates anywhere and any time
Send money on the go
Add money to your wallet from multiple sources
Inbound, outbound – transfers without limits.
Send money globally with ease, enjoying low fees, reliable transfers, and real-time tracking.
Hassle-free Wallet-to wallet transfer free
Payments
Pay safely, pay easily, pay anytime
Pay fees for electricity (EDSA), university, SLRSA, national ID, birth and death certificate, passport and many others.
Merchants
The trusted partner for small business
Scan and pay at supermarkets, restaurants and retail shops using our App.
Virtual Card
Coming Soon Your secure, convenient card – without the card
Pay for all your domestic and international online payments securely and seamlessly from your virtual card funded by your digital wallet.
Our distribution network
Find the network closest to me… FIND NETWORK
How it works - Get set up and start spending with your app in minutes
Simply download the PayOnlime 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”.
It’s all ours!
We transfer, they flourish.
Security
Safeguarded with leading banks and financial institutions
All funds are held by respected leading banks and financial institutions. The whole process from start to end is fully secured.
Data protection
Your money is completely safe with PayOnlime. All the sensitive information is only held in the secure database of the credit/debit companies or the international banks with whom we have partnerships.
Regulated around the world
We only provide financial services in those jurisdictions where we are regulated or we work with regulated partners.
Extra-secure transactions
All transactions are encrypted using latest secure technology.
Protected payment info
Credit/Debit Card details are fully protected by PCI DSS certification.
It’s simply perfect for me...
Laura Paying my university fees through the app was incredibly convenient and hassle-free. I appreciate the real-time confirmation on my payment.
Agnes Using the app for Orange money and Afrimoney was fast and seamless, making it easy to send anywhere in Sierra Leone. Highly recommended for anyone looking for a reliable and secure transaction app.
Ghaeth Using PayOnlime app, to send money to Ghana was incredibly easy, with the funds arriving instantly and a user-friendly experience.
XXXX Using the app to pay for EDSA was incredibly convenient, saving me time with its smooth and reliable process free of charge.
XXXX Using the app to scan and pay saved me the hassle of cash, as their customer service was prompt and helpful.
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
Send money
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 the Sierra Leone?
You can send money from the 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.
My PayOnlime 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 download the app?
No, it’s free to download.
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.
- Nationality
Receive money
What ways can I receive a money transfer?
Beneficiaries can receive money transfers the following ways depending on where they are located.
- Bank Account
- Cash pickup
- Mobile Money Wallet
- PayOnlime Wallet
What do I need to bring to pick up cash at an agent location?
Bring a valid government-issued ID and the collection PIN.
Connected
Effortless. Borderless. Seamless.
