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Smart Digital Wallet

Money moves
faster with
Payroon

Deposit, withdraw, send money P2P, manage Njangi savings groups – all in one secure platform.

Create Free Account Sign In
1%
Deposit fee
0%
P2P transfers
256-bit
Encryption
24/7
Support
Everything you need

One platform, endless possibilities

From everyday transfers to group savings – all the financial tools you need.

Mobile Money Deposits

Top up via MTN MoMo or Orange Money. Instant credit.

1% fee

Instant P2P Transfers

Send to any user instantly. Free.

Free

Fast Withdrawals

Withdraw to mobile money in minutes.

1% fee

Njangi Groups

Rotating savings with escrow and auto-payouts.

Free

QR Code Payments

Personal QR code – scan to send.

Free

Smart Referrals

Earn 100 XAF per referral.

100 XAF / referral
Simple process

Up and running in minutes

  1. 1

    Create Account

    Sign up with email and phone. Set a 6-digit PIN.

  2. 2

    Verify Identity

    KYC verification under 2 minutes.

  3. 3

    Add Funds

    Deposit via mobile money – instant.

  4. 4

    Send & Save

    Transfer, join Njangi, or withdraw anytime.

Group Savings

Njangi, reimagined for the digital age

Rotating savings with escrow protection, automated payouts, and trust scores.

Escrow ProtectionContributions held securely until payout day.
Trust Score SystemMembers build reputation; late payers flagged.
Automated CyclesDeadlines enforced automatically.
Start a Njangi Group
Savings CircleActive
50,000 XAF / month · 6 members
Cycle progress4/6 paid
A
Anita M.Trust 98%
Paid
B
Brice T.Trust 95%
Paid
C
Cédric N.Trust 87%
Pending

+3 more members · Next payout Dec 28

Bank-grade security

Your money, protected at every layer

Multiple layers of security protect every transaction.

256-bit AES EncryptionAll data encrypted.
Two-Step LoginPassword + 6-digit PIN.
KYC VerificationIdentity verification for higher limits.
Session MonitoringAuto-expiry and alerts.
QR Verification HashCryptographic hash per scan.
Full Audit TrailEvery transaction logged.
Simple pricing

Transparent, fair fees

No hidden charges. No surprises.

Mobile Money Deposit1%
P2P TransferFree
Withdrawal to Mobile Money1%
Njangi GroupFree
KYC VerificationFree
Referral Earnings100 XAF / referral

Fees shown before confirmation. Verified users get 2× higher limits.

Real people, real stories

Trusted by users worldwide

"Payroon changed how our savings group works – automatic and secure."
A
Amina F.User
"Sending money used to be a hassle – now it takes 5 seconds."
K
Kevin N.User
"I've earned referral bonuses and the app is fast and secure."
M
Marie-Claire B.User
Got questions?

Frequently asked questions

Yes, creating an account and KYC verification are completely free. You only pay a 1% fee on deposits and withdrawals. P2P transfers are free.
Payroon supports MTN Mobile Money and Orange Money for deposits and withdrawals.
Withdrawals are typically processed within 60 seconds.
Unverified: deposit 1,000,000/day, withdraw 200,000/day. Verified users get 2× higher limits.
Create or join a group. Each cycle members contribute and one member receives the full pot. Contributions are held in escrow.
Yes. 256-bit encryption, two-factor login, session monitoring, and full audit trails.

Start sending money smarter today

Join Payroon – the digital wallet built for everyone. Free to join, instant to use.

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