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How RYA Works

RYA makes money simple. Sign up in minutes, send or receive payments, and stay in control wherever you go.

Illustrated journey through the wallet’s usage.

Get started with RYA in just a few easy steps. From sign-up to sending payments, it’s all smooth and secure.
Step 1

Sign up/create an account

Download the app, enter your details, and activate your wallet in minutes.
Step 2

Add money to your wallet

Top up your wallet via bank transfer, debit card, or a linked account.
Step 3

Send money or pay a merchant

Pay a business, split a bill, or send money to friends with just a few taps.
Step 4

Track spending and set reminders

See where your money goes, review past payments, and get alerts to stay organized.
Accepted Payment Methods
Choose how you want to pay. RYA supports flexible and familiar options built around your lifestyle.

Internet Banking

Make transactions easily from your desktop device.

Mobile App

Send and receive money anytime using the RYA mobile app.

SMS (Short Message Service)

Pay using a text message, no data or internet required.

QR Code Payments

Scan a QR code to pay securely in seconds, in person or online.

IVR (Interactive Voice Response)

Make payments by calling and following voice instructions.

NFC (Near Field Communication)

Tap your phone or card for quick and contactless payments.
Features & Benefits
RYA makes everyday payments faster, easier, and more accessible.
QR Code Payments
Use your phone to scan and pay instantly in stores or on the go.
NFC (Near Field Communication)
Pay with just a tap using your mobile device.
Seamless USSD options
Make payments and check your balance even without a smartphone or internet.
Security & Trust
RYA is built with bank-level security so you can pay and receive money with full peace of mind.
Advanced Encryption
All data is protected with strong encryption during every transaction.
Secure Authentication
Log in with your fingerprint, face scan, or a personal PIN to keep your wallet safe.
Safe Payments Methods
All payment methods are verified and monitored to keep your transactions secure.
24/7 Fraud Monitoring
Our team watches for suspicious activity around the clock so you don’t have to.
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