How RukaPay Works

Open RukaPay app and select "Scan to Pay"

Point camera at merchant's QR code

Enter amount and confirm payment

Transaction complete! Receipt sent instantly

Enable NFC on your smartphone

Open RukaPay app and select "Tap to Pay"

Tap phone on merchant's NFC terminal

Confirm with PIN or biometric authentication

Open RukaPay app on your smartphone

Navigate to "Send Money" or "Payments"

Enter recipient phone number and amount

Confirm with PIN or biometric to complete

Dial *289# on any phone

Select service from menu

Enter recipient details and amount

Confirm with PIN to complete transaction