The Waya app allows you to send money to anyone in the world with a mobile money wallet or bank card. You can send money to other mobile money wallets and bank accounts.

This is an easy, fast, and safe way to transfer money without having to go to the bank or an agent. It's also a great way to make a payment to a merchant without the hassle of having to go to the bank.

To send money to someone, just install the Waya app on your phone. You will be prompted to enter the receiver's phone number. You can add a phone number from your phone or the one linked to your bank card.

You can also add a bank card or a bank account as a fund source. This is optional.

To pay a merchant, just open the Waya app and click on the merchant's phone number. You will be given the option to add the merchant's phone number to your address book. You will then be asked to enter the amount you wish to pay.