MobiCash Limited is a payment service provider in Rwanda licensed by the Central Bank (BNR) in Rwanda. It offers a payment channel that is independent of mobile network operators and has a pivotal role in transforming the financial sector into a cashless one. It has a comprehensive agent network across the country as well as other channels of distribution such as use of a phone, laptop, tablet and also through merchants.
A person or entity, natural or legal, authorized to provide MobiCash Payment Platform Services on a non-exclusive basis. We have two types of agents: Mini-agent and Full agent.
A full agent provides all types of our services to our customers, including the Value Added Services (VAS) – Utility purchases, Airtime, TV Programming, tax collections and the financial services. See below.
A mini-agent provides the VAS only.
To become a MobiCash agent, one must provide the following details:
- The person/entity name (registered company) and all biographical data.
- National ID number or Passport number taken from the original ID document.
- Mobile telephone number.
- The person/entity will need to sign a commitment to execute the agent’s Agreement with MobiCash by way of pre-qualification for appointment as an agent for MobiCash.
- It is mandatory that all the requirements be fulfilled for a successful agent application.
Apart from this, a MobiCash agent must fulfill the following minimum requirements:
- The amount of RWF 100,000 for an agent and RWF 50,000 for a mini-agent shall be deposited into the MobiCash account at any of the following banks:
- I&M Bank Account
- Bank of Kigali Account
- Ensure that the cash at hand is sufficient to support all transactions.
- Ensure that the minimum float is not below RWF 20,000 for an agent and RWF 10, 000 for a mini-agent.
MobiCash offers financial transactions and value added services (VAS) to its clients via its agents.
The financial services include:
- Cash-in
- Cash-out
- Transfer money from client to client
- Check balance
The current VAS we offer includes:
- Electricity pre-purchase
- Airtime ( all providers)
- DSTV/Canal/StarTimes subscription
- RRA taxes payment
Our financial services will require a MobiCash account.
A MobiCash account is similar to a bank account but requires biometric devices for verification. It serves as a platform to deposit virtual money that can be used for different financial services as well as to purchase VAS.
No. A bank account is not required to access our VAS.
MobiCash platform is able to serve all categories of customers including the underserved.
For an agent, see answer of question 3.
As a client, you may visit an agent to obtain all the services that MobiCash offers.
MobiCash application operates on three platforms:
- USSD platform (planned).
- Android platform, supported by all mobile phones operating on android.
- Web on Windows desktop.
PS: MobiCash is not available on IPhone and mobile phones using Windows.
Go to a MobiCash agent and do the following:
- Fill in a customer application form.
- Present official documentation.
The registration process will be completed by the agent who will obtain your biometric information (fingerprint) and a photograph.
There is no charge to open a MobiCash account. However, MobiCash collects commissions on each transaction and Value-added services (VAS) transactions conducted by agents including cash out, money transfers, utilities’ payments, Pay TV, Air Time, RRA Taxes and non-fiscal revenue.
Yes. MobiCash has an upper and low credit limit for every transaction.
The MobiCash application does not have this feature yet but we are planning to have it in the near future.
The MobiCash application does not have this feature yet but we are planning to have it in the near future.
MobiCash App does not have this feature yet but we are planning to have it in the near future.
Yes. MobiCash has been licensed by the National Bank of Rwanda for its credibility to provide financial services. MobiCash is even licensed to collect on behalf of the government. MobiCash also has liability insurance.
You can top up your MobiCash account by using the Cash-In transaction via a MobiCash agent.
- Mobile Money is limited to one operator network while MobiCash is not.
- User accounts are only protected by a password on Mobile Money while for MobiCash, user accounts are protected by both PIN and fingerprint.
- To use Mobile Money, the customer must have a mobile phone and a SIM card registered on the operator's network. MobiCash has a unique identification system that does not rely on phones. MobiCash is for everyone.
- Accounts are accessed at agent points or via the phone on mobile money, while MobiCash has multiple ways of accessing the accounts (phone, web and via agents).
- MobiCash has a comprehensive accounting system that provides its clients and agents with detailed and real time accounting of all transactions at any time via its self-serve portal.
MobiCash offers to their clients a payment gateway to pay almost all kinds of RRA taxes divided into three major categories including direct taxes, taxes on goods and services, taxes on international trade. These taxes include:
- Corporate income taxes
- Tax on profit made by self-employed persons
- Withholding tax on imports and on Government purchases
- Pay As You Earn (PAYE)
- Taxes on investment income
- Value Added Tax (VAT)
- Avoid cascading effect
- Export promotion
- Cash flows
- Excise tax
- Taxes on international trade (Import duties)
There are other collection fees that are paid for services rendered by other government institutions that can be as well paid on our platform. These are known as non-fiscal revenues. This service does not require the person to have a MobiCash account.
There are some of the collections that we are not yet able to let our clients pay using our application because the integration is not yet completed. Some of these are the RSSB contributions. This error message comes when agents try to pay these contributions using our application. Inform the client that MobiCash is not yet able to make these payments via the application.
This error message comes when the device is experiencing internet connection problems. Check if the device is well connected to the internet and if yes, try to do another operation to see if it works, e.g. check balance then do the operation. If the problem persists, restart your device and see if it resolves the problem. If it does not, contact MobiCash.
This error appears when the reference ID that is being used to make a payment has already been used to make an RRA payment. Check if the reference ID is correct and try again to make the payment. If it does not work, contact RRA on 3004.
This error appears when our server is down but is not a common problem we usually get. Try another operation, e.g. check balance and if it works, resume your first operation. If the problem persists, contact MobiCash.
This error appears when the agent is buying electricity for a customer while the float amount is not enough to make such payment. The agent, at this stage, has only one solution to load money on his/her account.
This error message comes when the device is experiencing internet connection problems. Check if the device is well connected to the internet and if yes, try to do another operation to see if it works, e.g. check balance, and then do the operation. If the problem persists, restart your device and see if it resolves the problem. If it does not, contact MobiCash.
This error message appears when our server is down but is not a common problem we usually get. Try another operation, e.g. check balance and if it works, resume your first operation. If the problem persists, contact MobiCash.
This message appears when the meter number entered is not correct. Check the correct meter number and re-enter it. If the problem persists, contact MobiCash.
Through MobiCash agent application, people can buy airtime of any Mobile Network Operator (MNO) licensed to operate in Rwanda, i.e. Airtel Rwanda, MTN Rwanda and TIGO Rwanda.
This error message comes when the device is experiencing internet connection problems. Check if the device is well connected to the internet and if yes, try to do another operation to see if it works, e.g. check balance then do the operation. If the problem persists, restart your device and see if it resolves the problem. If it does not, contact MobiCash.
Answer: This error appears when the agent is buying airtime for a customer while the float amount is not enough to make such payment. The agent, at this stage, has only one solution to load money on his/her account.
This error appears when our server is down but is not a common problem we usually get. Try another operation, e.g. check balance and if it works, resume your first operation. If the problem persists, contact MobiCash.
this error appears when the card number entered in the system is not correct. Check if the number is correct and re-enter it. If the number is correct and the problem persists, contact the TV services provider.
This error appears when the agent has entered all the required details and submitted without choosing the channel package (bouquet). Click to choose one of the channel packages provided in the list then confirm payment.
This error message comes when the device is experiencing internet connection problems. Check if the device is well connected to the internet and if yes, try to do another operation to see if it works, e.g. check balance, and then do the operation. If the problem persists, restart your device and see if it resolves the problem. If it does not, contact MobiCash.
This error appears when the agent is buying airtime for a customer while the float amount is not enough to make such payment. The agent, at this stage, has only one solution to load money on his/her account.
This error appears when our server is down but is not a common problem we usually get. Try another operation, e.g. check balance and if it works, resume your first operation. If the problem persists, contact MobiCash.
