QuataPay
Personal

One wallet for everyday money.

Send to friends, receive from anyone, pay bills, top up airtime, and shop with QR — all from the same balance. Free between QuataPay users.

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  • Free P2P transfers
  • Bills, airtime, school fees
  • Cards for online shopping
  • Bank-grade encryption

Available balance

142,500 XAF

  • Aïcha NgonoLunch · 1,500−
  • MTN Airtime+237 6xx · 5,000−
  • Tasty CaféCoffee · 1,200−
  • Jean-PierreReceived · 25,000+

<0s

P2P transfer time

Wallet-to-wallet

0 XAF

Fee between users

Always free

24/7

Support hours

EN + FR

0-bit

Encryption

TLS + at-rest

Everything in one app

Money moves, end to end.

Nine surfaces of money in one wallet — no second app, no double login, no swapping between MTN and Orange.

Send money

Free wallet-to-wallet transfers by handle, phone, or QR. Settles in under a second.

Learn more

Receive money

Share your @handle, your QR, or a payment link. Anyone can send — even non-QuataPay users via mobile money.

Pay bills

Electricity (ENEO), water (CDE), internet, TV, school fees — all the major billers, none of the queues.

Mobile top-up

Recharge any number on MTN, Orange, or Camtel airtime + data. Save numbers for one-tap refills.

Add money

Cash in from MTN MoMo, Orange Money, a bank transfer, or at an agent counter near you.

Withdraw

Cash out to MoMo, Orange Money, or pick up at any agent. No hidden fees.

Virtual cards

Issue a virtual card in seconds for online shopping. Freeze, unfreeze, and rotate at will.

Remittance

Send money home or abroad through our partner corridors at transparent FX rates.

Gift cards

Buy + send digital gift cards from supported brands across CEMAC.

Get started

Three steps to your first transfer

No paperwork, no branch visit. You can be paying friends within five minutes of downloading the app.

  1. Open your account

    Sign up with your phone number and a 6-digit code we text you. No documents needed for the starter tier.

  2. Add money

    Fund your wallet from MTN MoMo, Orange Money, your bank, or at any QuataPay agent.

  3. Send, scan, pay

    Type a handle, scan a QR, or tap a payment link. Your friend gets the money before you put the phone down.

The details

Built for the way Cameroonians actually pay

QR payments

Scan, pay, done — at the market, in the bus, at the café.

Every QuataPay user gets their own personal QR. Merchants get theirs too. Snap, confirm, and the money arrives before the cashier finishes printing your receipt.

  • Print your QR to display at your shop
  • Pay merchants with one tap from any screen
  • QR codes never expire — print once, use forever

Scan to pay

Bills + airtime

One screen for ENEO, CDE, MTN, Orange, school fees — all of it.

Stop bouncing between four apps to pay the people you owe each month. We've integrated every major biller in Cameroon — and the receipts land in your QuataPay inbox for tax season.

  • ENEO + CDE accounts saved for repeat use
  • School fees with reference number lookup
  • Auto-pay schedules for monthly bills

Bill pay

Security

Your money's protected like a bank, accessible like a chat app.

Every transaction needs a PIN. Every login is on a known device. We push notifications the moment someone tries something we don't recognise. Reverse a wrong transfer with one tap before the recipient cashes out.

  • PIN for every money move
  • 2FA via authenticator app
  • Device list — revoke any unknown phone
  • Instant lock if your phone is lost

Security

Why QuataPay

Built for Cameroon, not retrofitted to it.

Other wallets were built somewhere else and bolted onto this market. We started here — with the channels, the regulators, and the languages that actually matter.

Instant settlement

Wallet-to-wallet money arrives before the screen finishes its animation. No 'pending for 30 minutes' nonsense.

Regulated + insured

Operating under the CEMAC payments framework. Your balance is held with a regulated partner bank.

Speaks your language

Full UI in English and French. Customer support replies within one business day in either.

“I stopped carrying cash three months ago. QuataPay's QR is in every shop on my street now — even the koki seller takes it.”

Aïcha Ngono · Personal user · Yaoundé

Questions

Common questions

The shortlist. The full FAQ lives at /faq.

Is QuataPay actually free?
Wallet-to-wallet transfers between QuataPay users are always free. Fees only apply when money moves to/from mobile money networks, banks, or across borders. The full schedule is at /legal/fees.
How long does cash-out take?
MTN MoMo + Orange Money cash-outs are usually instant. Bank withdrawals settle the next business day.
What if I send money to the wrong person?
If the recipient hasn't cashed out yet, you can reverse the transfer from your transaction history with one tap. Once it's cashed out, contact our support and we'll mediate.
Do I need to be in Cameroon to sign up?
You need a Cameroon phone number for the starter tier. For higher tiers we ask for a NIU (national ID number).
Can I pay someone who doesn't have QuataPay?
Yes — share a payment link or QR and they can pay via MTN MoMo or Orange Money without signing up.

Ready?

Your wallet is two minutes away.

Open a QuataPay account on your phone — no paperwork, no branch visit, free for life between users.

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