USSD Wallet

1. What is USSD?

USSD (Unstructured Supplementary Service Data) is a real-time, menu-based technology used by mobile networks. It allows you to interact with financial services like PayToday directly from your mobile phone’s dialer, without needing an internet connection or a smartphone. It’s simple and secure.

2. Key Difference: USSD Wallet vs. PayToday Wallet

It’s important to understand the two types of wallets and how they work together:

• PayToday Wallet: This is your main, full-featured e-money wallet within the PayToday mobile app. It requires internet access and offers all app services.

• USSD Wallet: This is a lightweight, mobile-based wallet accessed by dialing a code. It’s designed for basic transactions and works on any phone (smart or feature phone), with or without internet.

Crucial Rule: You cannot send money directly from one USSD wallet to another (U2U). The flow of money must always involve a PayToday Wallet.

Allowed Transfers:

• USSD Wallet ➔ PayToday Wallet (U2W)

• PayToday Wallet ➔ USSD Wallet (This is how you “Fund My USSD Wallet” in the app)

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3. How to Access & Fund Your USSD Wallet

You can manage your USSD wallet through two channels:

Channel 1: Within the PayToday Mobile App

This is the easiest way to add money to any USSD wallet using your PayToday Wallet or bank card.

1. Open the PayToday app.

2. Click on the “Wallet” icon on the bottom navigation bar.

3. Tap on “USSD Wallet”.

4. On the next screen, you will see your current USSD balance.

From here, you have two options:

a) Fund My USSD Wallet

• Use this to add money to your own USSD wallet.

• You can credit it using your linked bank card or by debiting your main PayToday App Wallet (Transfer: Wallet-to-USSD).

b) Fund Other USSD Wallet

• Use this to add money to someone else’s USSD wallet.

• You will need the recipient’s mobile number.

• You can pay using your linked bank card or your main PayToday App Wallet.

Channel 2: Via USSD Code (Direct Dial)

Dial the USSD string code: *140*007# and press the call button.

• Follow the on-screen menus to perform actions like buying airtime or checking your balance.

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4. USSD Account Functionalities (Dial *140*007#)

Once you have a balance in your USSD wallet, you can perform these functions by dialing *140*007#:

1. Pay a Business (U2B): Make payments for goods and services to registered merchant businesses.

2. Buy Airtime (U2B): Purchase airtime for yourself or another mobile number.

3. Send Money to a PayToday Wallet (U2W): Transfer funds from your USSD wallet to any PayToday App Wallet. The recipient can then use it in the app or send it back to their own USSD wallet.

4. Send Cash Out to a Merchant (U2B): Withdraw your USSD balance as physical cash by visiting an authorized PayToday merchant.

5. View Transaction History: Check a history of your recent USSD transactions.

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5. Sending Money to a Non-Registered User

A key feature of PayToday USSD is the ability to send money to anyone, even if they aren’t yet a user.

• When you fund a mobile number that is not registered as a USSD user, the recipient will automatically receive an SMS notification.

• This SMS will contain instructions prompting them to register and create a new USSD account.

• Once they complete the simple registration, the money you sent will be immediately available in their new USSD wallet balance.

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6. Important Limitations & Notes

• ❌ No USSD-to-USSD (U2U) Transfers: You cannot send money directly from your USSD wallet to another person’s USSD wallet.

• ✅ Flexible Transfers with PayToday Wallet: You can freely send money between USSD and PayToday Wallets in both directions. This is the recommended way to move money between users.

• A PayToday App Wallet is required to use the “Fund My/Other USSD Wallet” features within the mobile app.