# BitriPay

> Send, receive and accept money with a QR code. Wallets, virtual cards, mobile money, bank transfers, agents and remittance that work for market traders, moto-taxi riders and businesses alike.

BitriPay is a digital wallet and payment platform built so that anyone with a phone can be paid and can pay: a mother selling food at the market, a moto-taxi rider collecting fares, a corner shop, an agent with cash, and families sending money home. Money moves by QR code, @tag, phone number, bank transfer, mobile money and cash agents. Balances are electronic money backed 1:1 by safeguarded funds where the platform is authorised; sandbox balances carry no real-world value. Mobile-money payouts are executed from prefunded local accounts and settled only on verified operator confirmations. Fees and exchange rates are shown before every payment.

## Key pages
- [Home](https://bitripay.com/): product overview
- [Open an account](https://bitripay.com/register)
- [About us](https://bitripay.com/about): mission and who we build for
- [Fees & charges](https://bitripay.com/legal/fees)
- [Security](https://bitripay.com/legal/security)
- [Safeguarding of funds](https://bitripay.com/legal/safeguarding)
- [Regulatory information](https://bitripay.com/legal/regulatory)
- [Privacy policy](https://bitripay.com/legal/privacy)
- [Terms of service](https://bitripay.com/legal/terms)
- [Blog](https://bitripay.com/blog) · [RSS](https://bitripay.com/feed.xml) · [Sitemap](https://bitripay.com/sitemap.xml)

## Articles
- [Virtual cards for online shopping without a bank card](https://bitripay.com/blog/virtual-cards-online-shopping-without-bank-card): A BitriPay virtual card lets you pay online, subscribe to services and shop at BitriPay merchants from your wallet balance, with a card you can freeze, refill or close in a tap.
- [Mobile money agents: how the float works and how to stay liquid](https://bitripay.com/blog/mobile-money-agents-float-and-liquidity): An agent is the bank in a place that has none. This guide explains float, prefunding, daily reconciliation and the habits that keep an agent liquid on market day.
- [What safeguarding means for your e-money balance](https://bitripay.com/blog/what-safeguarding-means-for-your-balance): Your BitriPay balance is not a bank deposit. It is electronic money backed one-to-one by funds held apart from the company. Here is what that protects you from, and what it does not.
- [Sending money from the UK to Congo: what it really costs and how long it takes](https://bitripay.com/blog/sending-money-uk-to-congo-costs-speed-safety): Fees, exchange margins, mobile money versus bank payout, and the checks that protect your money on the way from a UK card to an Orange Money or Airtel Money wallet in the DRC.
- [Moto-taxi riders: how to collect fares without carrying cash](https://bitripay.com/blog/moto-taxi-riders-collect-fares-without-cash): Thirty small fares a day add up to a lot of cash on a motorbike. A wewa can be paid by QR code or @tag in seconds, hear every payment over the traffic, and cash out once at the end of the day.
- [How to get paid by QR code when you sell at the market](https://bitripay.com/blog/get-paid-by-qr-code-at-the-market): A market stall does not need a card machine. One printed QR code, a phone that rings when money arrives, and an agent nearby for cash. Here is how to set it up in an afternoon.