Optima is a free Android application developed by African Payment Gateway. It falls under the category of Business & Productivity and the subcategory of Finance. Optima is a mobile financial and digital service application that allows users to transfer money to Cash, Bank Account, or Mobile Money. The app also facilitates bill payments and the purchase of phone credit. Users can make merchant payments using QR codes and create interoperability between Mobile Money operators.

Optima is rechargeable using a VISA or MASTERCARD card, a Mobile Money Operator (MNO) account, or a voucher. The app has a user-friendly interface and is easy to navigate. It offers a secure and fast way of conducting financial transactions, making it a reliable option for users seeking to manage their finances digitally. Overall, Optima is a useful application for anyone looking to conduct financial transactions quickly and efficiently.