How to get the first 100 users for your own money app
By SendPay Business · · 2 min read
Your first 100 users won't come from adverts. They will come from people you know, the groups you are part of and the problem you solve better than anyone else. Here is a plan that costs time, not money.
Your first 10: people you can call
Write down ten people who have the problem your app solves and who would take your call. Sign each one up yourself, sitting next to them or on a video call. Watch where they get stuck and fix it before you invite anyone else.
Your next 40: the groups you are in
Post in the WhatsApp groups, Facebook groups and forums your niche already uses. Don't just share a link. Say who you are, what the app does better than the big name they use now, and offer to help anyone set it up.
Talk to the people who run those groups first. A word from the group admin opens more doors than a post from you.
Your last 50: make every user bring one more
Money apps spread when one person pays another. Every time a user sends money or a payment link to someone new, that person sees your brand. Make that moment clear and friendly, with a simple way to sign up.
- Ask every happy user to invite one person who has the same problem.
- Thank them in person, not with a generic email.
- Share real stories (with permission): how a user saved on fees or got paid faster.
Things that waste your time
Paid adverts before you know who your users are. Buying followers or fake reviews, which get found out and cost you trust. Chasing the whole country when one street, one market or one community would do.
Keep count
Track signups, first payments and people who come back a second time. The second payment matters most: it means your app solved a real problem.
Build it
Create your own financial platform.
Pick a template, name it, brand it, preview every page before you pay. Your brand, your users, your fees.
Build my platform →Questions people ask
Should I spend money on adverts?
Not for your first 100 users. Spend time talking to people in your niche instead. Adverts work better once you know exactly who your users are and what they say about you.
How much could 100 users earn me?
It depends on how much they move and the fee you set. Put your own numbers into the free calculator.
Platform earnings calculator →What should I call my app?
Pick a short name that is easy to say and spell, and suits the people it is for. The free name generator gives you ideas.
Payment app name generator →Is there a step-by-step plan I can follow?
Yes. The free launch checklist takes you from picking your people and naming your app to setting fees, going live and winning your first ten customers.
Digital bank app launch checklist →How do I start?
Pick a template, name it and preview every page before you pay. Your platform can be live on your own domain within 24 hours of confirmation.
Build my platform →Read next
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. PayPal, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business.