Frequently Asked Questions

Creating a PigaPay account is simple and free. Visit our Get Started page, fill in your business details, verify your email or phone number, and you're ready to start accepting payments. The entire process takes less than 10 minutes.

Yes! The Starter plan is completely free and includes up to 100 transactions per month. You can upgrade to Business or Enterprise plans at any time as your business grows.

You'll need:

• Business name and registration details
• Valid email address and phone number
• Government-issued ID (NIDA NIN)
• TIN number
• Business bank account or mobile money account

Yes! PigaPay offers both Android and iOS mobile apps for merchants to manage payments on the go. Download from Google Play Store or Apple App Store. The app allows you to track transactions, generate reports, and manage your business anytime, anywhere.

PigaPay is designed primarily for businesses. However, individuals can also use the platform for personal transactions, freelancing, or small-scale services. We recommend checking with your local regulations for any compliance requirements.

Account verification is done during registration. You'll receive a 6-digit OTP via email or SMS to verify your contact details. After registration, our team may request additional documents to complete KYC compliance.

Payments are processed in real-time. For mobile money, funds are available instantly. Bank transfers typically take 1-3 business days depending on the bank. Card payments are processed within 24 hours.

We support multiple currencies including TZS, KES, UGX, RWF, NGN, ZAR, GHS, USD, and EUR. You can choose your preferred settlement currency during account setup.

PigaPay supports major mobile money providers including:

• M-Pesa (Tanzania, Kenya, Uganda, Rwanda)
• Tigo Pesa (Tanzania)
• Airtel Money (Tanzania, Kenya, Uganda)
• MTN Mobile Money
• Vodacom M-Pesa

To create a payment link, log in to your dashboard, go to "Payment Links," enter the amount and description, and click "Generate Link." You can then copy the link and share it with your customers via email, SMS, or social media.

Yes, PigaPay accepts all major credit and debit cards including Visa, Mastercard, American Express, and Discover. We also support local card schemes in various African countries.

Absolutely! PigaPay is PCI DSS compliant and uses industry-standard encryption (256-bit SSL) to protect all transactions. We also employ advanced fraud detection systems and regular security audits to ensure your data is safe.

Our AI-powered fraud detection system analyzes transaction patterns in real-time using machine learning algorithms. It identifies suspicious activities based on multiple factors including transaction velocity, unusual amounts, and geographic anomalies. Suspicious transactions are flagged for review.

Yes, we support two-factor authentication (2FA) for all accounts. You can enable 2FA in your account settings to add an extra layer of security to your login process using SMS verification or authenticator apps.

We take data privacy seriously. All personal and financial data is encrypted and stored securely. We comply with data protection regulations and never share your information with third parties without your explicit consent. Our full privacy policy is available on our website.

We offer three plans: Starter ($0/month), Business ($29/month), and Enterprise ($99/month). The Starter plan is completely free and includes basic features. You can view detailed pricing on our Pricing page.

Yes, we charge a small transaction fee on each successful payment. The fee structure varies based on your plan and payment method. For detailed rates, please refer to our pricing page or contact our sales team.

Yes, you can cancel your subscription at any time. There are no cancellation fees or long-term contracts. You can manage your subscription from your account settings. Please note that cancellations take effect at the end of your current billing cycle.

Yes! We offer a 20% discount on all plans when you choose annual billing. This means you save 2 months of subscription fees every year. Switch to annual billing in your account settings or contact support for assistance.

We provide comprehensive API documentation with code examples in multiple languages (PHP, Python, JavaScript, Java). Visit our Developers page to access the API reference, SDKs, and integration guides. Our support team is also available to assist with integration.

Our support team is available 24/7 for Enterprise plan customers. Business plan customers get priority support during business hours (8 AM - 8 PM EAT). Starter plan customers receive email support within 24 hours. All customers can access our AI assistant 24/7 for instant help.

You can check our real-time system status at status.pigapay.com. We also provide maintenance notifications via email and in-app alerts to ensure you're always informed about any scheduled maintenance or service interruptions.

You can report bugs or issues through our support ticket system in the dashboard, or by emailing support@pigapay.com. Please include as much detail as possible, including screenshots, steps to reproduce, and your account information. Our team typically responds within 24 hours.