SendSpend is a free mobile payment app designed for consumers and small businesses who do not have a bank account or credit card. The app allows users to make payments and transfers for free, and business users can request payments from SendSpend customers through their registered phone number or QR code. Additionally, small business owners can sell online using SendSpend's proprietary e-Commerce Payment Gateway and receive their funds immediately.

The SendSpend app offers four payment methods, including Instant Pay, Online Payments, QR Code, and In-Wallet Purchases. Consumers can also use the app to send funds to friends or family members or request money from other SendSpend customers. Depositing or withdrawing cash is also possible by visiting an agent or directly from/to the user's bank account, and rewards can be earned by referring SendSpend to contacts. The app provides high-level security through features such as displaying the photo of the person or agent involved in a transaction, requiring a PIN for authorization, and requesting an OTP for certain high-risk transactions.

Overall, SendSpend is a convenient and accessible mobile payment solution for those without a bank account or credit card. The app is easy to use, and its various payment methods and security features make it an attractive option for both personal and business use.