Ramad Pay

Ramad Pay provides secure, innovative cross-border remittance and digital payment solutions, specializing in the North America-to-Africa financial corridors.

Ramad Pay, a licensed Money Services Business (MSB), provides secure, reliable, and innovative cross-border remittance and digital payment services. With over two decades of experience, Ramad Pay specializes in facilitating fast and efficient financial transactions primarily from North America to Africa.

Leveraging advanced fintech integrations and digital assets - including stablecoins - we offer:

Cross-Border Remittance: Seamless, cost-effective money transfers through mobile apps, kiosks, and agents.
Digital Wallet Solutions: Secure wallets enabling users to manage digital currencies and fiat transactions conveniently.
Text2Pay: An intuitive service allowing users to easily send payments via SMS, ensuring accessibility even without smartphone access.
Kiosk Remittance: Strategically located self-service kiosks providing secure and instant money transfers, particularly placed in ethnic community hubs for easy access.

Committed to compliance and customer experience, Ramad Pay integrates advanced identity verification and robust AML/KYC practices, ensuring secure and compliant transactions. Our services are designed to meet the needs of diverse communities, making financial inclusion and global connectivity accessible and efficient.

Use Cases

U.S.-Based Immigrant Sending Funds to East Africa

Scenario: An Africa-American residing in Minneapolis, Minnesota, wants to send $300 to his mother in Mogadishu, Somalia, to cover monthly household expenses. Solution: Utilizing Ramad Pay's P2P remittance service, he can initiate a transfer through the Ramad Pay mobile app or by visiting a local agent. The funds are delivered directly to his mother's mobile wallet in Somalia, ensuring a swift and secure transaction. Benefits: - Speed: Rapid transfer times ensure timely support for family needs. - Convenience: Multiple channels (mobile app, agents) cater to user preferences. - Security: Compliance with U.S. regulations ensures safe transactions.

Small Business Owner Paying Suppliers in Kenya

Scenario: A small business owner in Columbus, Ohio, needs to pay a supplier in Nairobi, Kenya, for a shipment of handcrafted goods. Solution: Through Ramad Pay's digital payment services, the business owner can transfer funds directly to the supplier's mobile money account in Kenya, such as M-Pesa, facilitating a seamless B2B transaction.

Community Organization Disbursing Funds to Recipients in Uganda

Scenario: A non-profit based in St. Paul, Minnesota, aims to distribute educational grants to 50 students in rural Uganda. Solution: Leveraging Ramad Pay's bulk payment capabilities, the organization can disburse funds to the students' mobile wallets in a single transaction batch, ensuring timely and equitable distribution. Benefits: - Scalability: Ability to handle multiple transactions efficiently. - Transparency: Detailed records support accountability. - Reach: Mobile wallet integration ensures access even in remote areas.

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Ramad Pay provides secure, innovative cross-border remittance and digital payment solutions, specializing in the North America-to-Africa financial corridors.

Use Cases

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