01Traffic
New customers, every day
People come in to cash in or cash out — and buy something while they're there.
Agents
Where cashmeets Paydoly.
Agents are trusted local businesses that turn cash into balance and balance into cash — from one counter, on a managed float.
- Customer
- Cash
- Counter
- Agent app
- Balance
Cash in and cash out
One counter. Two directions.
Cash in
- 01Customer hands over cash
- 02Agent finds the account and enters the amount
- 03Review and confirm
- 04Balance credited, receipt on both sides
Cash out
- 01Customer requests a withdrawal in the app
- 02Agent looks up the request
- 03Agent validates the one-time code
- 04Cash handed over, receipt on both sides
One-time code
No code, no cash.
Every withdrawal is tied to a code the customer shares at the counter. The agent app validates it before any cash leaves the till.
Float management
Know what your counter can cover.
Your float is the balance behind every cash-in. See what is available, every movement against it, and top up or reconcile when the till and the app should agree.
- 01Available float
- 02Every movement against it
- 03Top up and reconcile
Why become an agent
More reasons for people to walk through your door.
02Earnings
Commission on every transaction
A competitive commission on each cash-in and cash-out, credited as it settles.
03Hardware
Nothing new to install
The agent app runs on your phone. Your counter and your till are the rest.
04Safety
Safer cash handling
One-time codes on withdrawals, receipts on both sides and a record of every movement.
05Onboarding
Training and materials
Signage, QR materials and a walkthrough of the agent app before your first customer.
06Support
A line that answers
A dedicated agents team at agents@paydoly.com and on WhatsApp.
Who makes a great agent
Trusted counters, already in the neighbourhood.
0101
Colmados
Open early, open late, and everyone knows where they are.
0202
Pharmacies
Steady traffic and a counter built for handling cash.
0303
Hardware stores
Trade customers who pay in cash and get paid in cash.
0404
Phone and repair shops
Customers who already come in about their phone.
0505
Supermarkets
Multiple tills and long opening hours.
0606
Courier and service offices
Places people already go to send and collect.
0707
Service station shops
On the road, lit at night, easy to find.
0808
Neighbourhood businesses
Any legitimate business with a secure counter and steady hours.
Become an agent
Join the network as infrastructure.
Approval is a review by Paydoly, not an automatic signup. Here is what it involves.
- 01Business informationWho you are and what you run.
- 02LocationWhere customers will find you.
- 03DocumentsBusiness and identity documents.
- 04Float planHow you will fund the counter.
- 05ReviewPaydoly checks the application.
- 06ApprovalYour counter goes live.
Agent locations
Found by the people nearby.
Customers find agents in the app and on the agent finder.
Open the agent finder ↗Agent FAQ
Before you apply.
What do I need to become an agent?
A registered, legitimate business with a secure counter, regular opening hours, a smartphone and the ability to fund a float. Paydoly reviews every application.
How much will I earn?
Agents earn a commission on every cash-in and cash-out. It is designed to be competitive with other agent networks, and your onboarding contact confirms the terms for your location before you sign.
How much float do I need?
It depends on your location and expected volume. You'll agree a float plan during onboarding and can top up and reconcile from the agent app.
Who holds the money?
Customer and agent balances are held at Paydoly's licensed partner banks. Paydoly is a financial technology company, not a bank.
How long does approval take?
It depends on how complete your documents are and on the site visit. We keep you updated at each stage and tell you exactly what's missing, if anything is.
Become an agent
Put your counter on the network.
Join the businesses turning cash into balance — and balance into cash — for their neighbourhood.