ZCF

Welcome to ZCF Wallet - the Simplest mobile app for Digital payments, e-voucher, money transfer , cash transfer, cashless transaction, Top- Up & bill payments. Not just Simple, it is very easy, safe, secure and also quick.

Registered User to Registered User:

Transaction time is instant and irrevocable.

Enter mobile number of the recipient;
the system will call details of the recipient, name, and picture (if any), this prevents sending money to the wrong recipient;
Enter the amount and proceed;
Both the sender and receiver will receive SMS notifications with transaction details.

Registered User to Unregistered User:

Transaction time is instant and irrevocable;

Enter the mobile number of the recipient;
the system will inform the sender that the recipient is not registered onZCF;
Enter the amount and proceed;
The recipient will receive an SMS with e-voucher code; The recipient can withdraw cash with the 6 digits number e-voucher or pay directly at registered merchants or wherever ZCF is accepted;
Both the sender and receiver will receive SMS notifications with transaction details.

Redeeming e-voucher:

A user will show e-voucher number to the merchants;
merchant will insert it into his ZCF portal (Redeem Voucher);
the system will show details of the e-voucher, amount etc.;
merchant will proceed;
e-voucher amount will be credited to merchant account;
Both the sender and receiver will receive SMS notifications with transaction details.

Unregistered User to Registered User:

An unregistered user can send money to ZCF User through the agent;
A sender will visit ZCF agent with his ID/ Passport;
The sender will provide ZCF Recipient mobile number;
an agent will initiate a transaction using the recipient mobile;
the system will call the recipient name;
The agent will insert the sender’s names and mobile number;
the sender will give cash to the agent;
the agent will send the requested amount to a recipient;
agent wallet will be debited, and the recipient wallet will be credited;
Sender, Recipient, and Agent will receive SMS notifications with Transaction details.

Unregistered User to Registered User:

An unregistered user can send money to ZCF User through the agent;
The sender will visit ZCF agent with his ID/ Passport;
The sender will provide ZCF Recipient mobile number;
the agent will initiate a transaction using the recipient mobile;
the system will call the recipient name;
The agent will insert the sender’s names and mobile number;
the sender will give cash to the agent;
the agent will send the requested amount to the recipient;
agent wallet will be debited, and the recipient wallet will be credited;
Sender, Recipient, and Agent will receive SMS notifications with Transaction details.