Bill Payments

Pay utility bills, buy airtime and data bundles, and manage subscriptions directly from your Danipa wallet.

Overview

Danipa lets you pay bills, buy airtime, and purchase data bundles directly from your wallet — no need to visit a vendor or switch apps. All payments are instant and receipts are saved automatically.

Requirement: Bill payments require at least Standard KYC tier. See KYC Verification.

Airtime Top-Up

Buy Airtime for Yourself

1. Go to More → Bill Payments → Airtime
2. Your registered phone number is pre-filled
3. Select the network (MTN, Vodafone, AirtelTigo, or auto-detect)
4. Enter the amount or select a quick-pick amount (GHS 5, 10, 20, 50)
5. Tap Buy Airtime
6. Authorize with your PIN or biometrics

Airtime is delivered instantly to the phone number.

Buy Airtime for Someone Else

1. Go to More → Bill Payments → Airtime
2. Tap Change Number and enter the recipient's phone number
3. Select their network
4. Enter the amount and confirm

Scheduled Airtime

Set up automatic airtime purchases:

1. After entering airtime details, tap Schedule instead of Buy
2. Choose frequency: Daily, Weekly, or Monthly
3. Select the day and time
4. Tap Save Schedule

Manage your schedules in Bill Payments → Scheduled tab.

Data Bundles

Buying Data

1. Go to More → Bill Payments → Data
2. Enter or select the phone number
3. Select the network
4. Browse available data bundles:

5. Select a bundle and tap Buy
6. Authorize the payment

Note: Available bundles vary by network and country. The app shows only bundles available for the selected number.

Utility Bills

Electricity

1. Go to More → Bill Payments → Electricity
2. Select your provider (e.g., ECG, NEDCo)
3. Enter your meter number
4. For prepaid meters:
   • Enter the amount to purchase
   • After payment, you'll receive a token code to enter into your meter
5. For postpaid meters:
   • Your outstanding balance is fetched automatically
   • Tap Pay to settle the bill
6. Authorize the payment

Water

1. Go to Bill Payments → Water
2. Select your provider
3. Enter your account number
4. Your balance is fetched — tap Pay
5. Authorize

Internet / Cable TV

1. Go to Bill Payments → Internet or TV
2. Select the provider (e.g., Vodafone Broadband, DSTV, GOtv)
3. Enter your account/decoder number
4. Select the package or enter the amount
5. Tap Pay and authorize

Bill Payment History

All bill payments are recorded in your transaction history with additional details:

• Service type — airtime, data, electricity, etc.
• Provider — the service provider
• Account/meter number — the account you paid
• Token (for prepaid electricity) — tap to copy
• Receipt — downloadable PDF

Finding Past Payments

1. Go to Transactions
2. Tap Filter → select Bill Payments
3. Or search by provider name or account number

Saved Billers

After your first payment to a service, the biller is saved for quick repeat payments:

1. Go to Bill Payments
2. Your Saved Billers appear at the top
3. Tap a saved biller to pay with pre-filled details

Managing Saved Billers

• Edit — update the account number or nickname
• Delete — remove a saved biller
• Set as favorite — pin to the top of the list

Scheduled Bill Payments

Automate your recurring bills so you never miss a due date. Scheduled bill payments let you set up recurring payments that execute automatically on the dates you choose.

Creating a Schedule

1. Go to Bill Payments → Scheduled tab
2. Tap New Schedule
3. Configure the schedule:
   • Biller — select from your Saved Billers or add a new one
   • Amount — fixed amount per payment (or fetch the current balance for postpaid services)
   • Frequency — Daily, Weekly, or Monthly
   • Start date — when the first payment should occur
   • End date (optional) — stop the schedule after a specific date; leave blank for indefinite
4. Tap Save Schedule

Example: Schedule your electricity bill for the 10th of each month. Select your saved ECG biller, enter GHS 200, choose Monthly, set the start date to the next 10th, and save. Danipa handles the rest.

Linking to Saved Billers

Scheduled payments work best with Saved Billers — all account details are pre-filled, so there's nothing to enter each time. If you delete a saved biller that has an active schedule, the schedule is automatically paused and you're notified.

Managing Schedules

From the Scheduled tab you can:

• View upcoming — see the next payment date and amount for each schedule
• Pause — temporarily stop a schedule without deleting it
• Edit — change the amount, frequency, or end date
• Cancel — permanently delete the schedule

Failure Handling

If a scheduled payment fails, Danipa handles it gracefully:

Failed payments are marked in your schedule history so you can review and take action.

Payment Limits

Fees

Troubleshooting