Woman smiling

How to grow your money app with local agents

By SendPay Business · · 2 min read

Money on its way
  1. Pick who to pay and type the amount
  2. Tap send and it is on its way
  3. It lands in their account

Money apps grew fastest in many countries because people could walk to a nearby shop to turn cash into app money and back again. If your customers still use cash, a few trusted local agents can make your app far easier to use.

Ask where people handle cash

Talk to potential customers and shopkeepers and ask:

0 of 4 answered

Tick each question once you know your answer.

Your ticks are saved on this device.
Smiling man in a suit in a modern office

Choose trusted shops

Pick shops that are open long hours, well known and trusted by the community. Your agents are the face of your app for many customers.

Try it

Name your platform and watch it come to life

Type a name, tap a colour and pick what it does. The phone changes as you go.

Colour

What it does

Build mine

Design and preview your whole platform free, then launch when you are ready.

Keep it simple and fair

Agents need clear rules, fair pay for each transaction and quick help when something goes wrong. Customers need to see the fee before they agree.

Woman seated, using a laptop

Grow agent by agent

Start with a few agents in one area and make them successful. Busy, happy agents attract customers, and other shopkeepers will ask to join.

Man beside a laptop and a cup of tea

How it works

Your own money app
  1. Name it and pick your colours
  2. Choose what it does
  3. Launch when you are ready

Why sign up

Create your free SendPay account

It's all about creating your own financial platform with ease. Start with a free account today.

  • A free business accountOpen it in about a minute with your business name, email, password and mobile. No card and no documents to start.
  • Get paid from day oneTake card payments, and share your own payment link and invoices so customers pay in a click.
  • A free business websiteFree to build, free to publish and free to keep, with unlimited visits.
  • Your own financial platformDesign and preview your whole platform free, then launch when you are ready.

SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.

Questions people ask

How do I sign up shops in person?

The guide to visiting local shops covers what to say and bring.

Visit local shops →
How do I protect customers from scams?

The scams guide covers keeping customers and agents safe.

Protect customers from scams →
Can I call it a bank?

In most countries "bank" is a protected word you can only use with a banking licence. Call it an account, a wallet, an app or a platform. The accounts and payments behind a SendPay Business platform are powered by licensed partners.

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 launch. Your platform can be live on your own domain within 24 hours of confirmation.

Build my platform →

Read next

Spotted a mistake or something out of date? and we'll fix it. How our guides are made

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. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.