At JOGA LTD, our mission is to revolutionize the way money is sent and received across Global. We understand that many people in Africa face barriers to traditional banking, which is why we have created a platform that enables individuals to send and receive money seamlessly without the need for a bank account or going to a bank.

Our service allows users to transfer funds directly into the recipient’s mobile money account, providing a fast, secure, and accessible solution for cross-border transactions. Whether you’re sending money to family, friends, or businesses, Paybill Africa ensures that the recipient can access their funds instantly and securely through their mobile money account.

With operations currently in 9 countries, and plans to expand to 30+ countries by July 2025, we are committed to making financial inclusion a reality for everyone. At JOGA LTD, we believe in simplifying the process of sending money, making it more accessible, and providing a solution that works for everyone, regardless of their banking status.

Our goal is simple: To make sending money across Global as easy as sending a text, enabling people to connect and support one another without the limitations of traditional banking system