Money moves
smarter with you.
One app to send, receive, pay bills, scan QR, transfer internationally and stay on top of every franc — built for everyday life in Rwanda.
◆Every payment ships with an EBM receipt — automatically.
Everything in one place
A full wallet, not just a transfer app.
SmartPayGo bundles the eight things you actually use every day — from QR at the corner shop to EBM receipts for your business.
Instant transfers
Send to any MoMo, bank or contact in under 2 seconds — no fees on local sends.
Scan & pay QR
Pay any merchant by camera. Works offline-first, syncs the moment you're back.
International transfer
Send to 40+ countries at near mid-market rates. Track every step.
Bulk payments
Pay salaries, suppliers or a whole class in one signed batch.
Auto EBM receipts
Issued the moment money moves. RRA-valid, shareable, permanent.
Expense intelligence
Every receipt auto-sorted by category. See where your money actually goes.
Nearby services
Find agents, ATMs and merchants on a live map around you.
Transport & travel
Pay for buses, fuel and rides without leaving the app.
Designed for the way you actually pay
A wallet that feels effortless.
Send any amount in seconds
See exactly where it went
Every tool, one tap away
Stay inside your monthly target
Export RRA-ready reports
QR · International · Bulk
Send any amount in seconds
See exactly where it went
Every tool, one tap away
Stay inside your monthly target
Export RRA-ready reports
QR · International · Bulk
EBM · Built in
Pay once. Get the receipt. Track it forever.
Every franc you spend with SmartPayGo is auto-stamped with an RRA-compliant EBM receipt and dropped straight into your expense timeline. No paper. No photos. No spreadsheets.
Auto-issued
Receipt lands the second your payment clears. No printing, no waiting, no asking.
RRA-verified
Every receipt carries a valid EBM signature — tax-ready, audit-proof, permanent.
Auto-tracked
Sorted into Food, Transport, Bills, Business. Search any expense, any time.
The receipt drawer you'll never have to open again.
Your expense timeline · live
auto-categorizedWhat is EBM?
Electronic Billing Machine — without the machine.
EBM is Rwanda's official electronic receipt system, required by the RRA. Traditionally it meant a chunky terminal at the till. With SmartPayGo, it lives inside the payment itself — every transaction generates a valid EBM receipt automatically.
You pay
Tap, scan a QR, or send MoMo. Money moves in under 2 seconds.
Receipt is issued
An RRA-compliant EBM receipt is auto-stamped and signed — no paper, no asking.
Expense is tracked
Sorted by category and dropped into your timeline. Searchable forever.
Three steps
From download to first payment in 90 seconds.
We rebuilt onboarding from scratch. No paperwork, no branch visits, no friction — just open the app and send.
Download & verify
Sign up with your phone number. KYC takes under a minute.
Link your money
Connect MTN MoMo, Airtel Money or your bank — securely.
Pay everything
Transfer, scan, settle bills and run your business from one screen.
Your money. Your rules.
Join the people switching to a wallet that respects their time — and their wallet.
Questions