Now live across the WAEMU region

Pay bills back home.
Directly.

Electricity, water, school fees — pay essential bills for your family in Africa from anywhere in the world. Fast, secure, and always on time.

AD
FM
KO
+
Trusted by 1,200+ diaspora members
across the US, UK, France & Canada
Payment sent
$45.00 ✓
SENELEC · Mum Dakar
9:41●●●● 100%
Good morning
Amara Diallo
Sent this month
$448
↑ 12% vs last month
Pay Invoice
Enter invoice ID
Find Biller
Browse billers
SENELEC
Mum · Dakar · Apr 20
$45
SEN’EAU
Mum · Dakar · Apr 1
$22
Success rate
94.2%
↑ industry leading
Billers on Paydirek
SENELEC
ONAS Sénégal
CIE Côte d'Ivoire
SODECI
SBEE Bénin
UCAD Dakar
SONABEL Burkina
How it works

Four steps. Bills paid.

01
Create your account
Sign up in minutes. Verify your identity with your phone number.
02
Find the biller
Search by biller name, country or category. Or enter an invoice ID shared by family.
03
Pay securely
Pay with your card or mobile money. We handle the currency conversion.
04
Bill confirmed
Your family gets a confirmation. You get a receipt. Done.
Why Paydirek

Everything you need. Nothing you don't.

WAEMU region coverage
Senegal, Côte d'Ivoire, Burkina Faso, Mali, Togo, Benin and more. All settlements in XOF — no conversion surprises for billers.
  • Electricity, water, school fees, internet
  • Live USD/EUR/GBP → XOF rates every 15 min
  • XOF settlement direct to biller bank account
Fintech-grade security
Your payments are protected by the same infrastructure used by leading global fintech companies.
  • Stripe + Flutterwave processing
  • 2-factor authentication
  • TLS 1.3 + Cloudflare WAF
  • PCI DSS compliant
Set it and forget it
Schedule recurring payments for monthly electricity, water or internet bills. Never miss a payment.
  • Monthly, quarterly or yearly schedules
  • SMS + email reminders
  • Cancel or pause anytime
Invoice-based payments
Billers send invoices directly to customers. Your family shares the invoice ID — you pay in seconds.
  • Instant invoice lookup by ID
  • Auto-marks invoice as paid
  • Downloadable receipts
Coverage

Supporting families across the WAEMU region

SN
Senegal
4 billers available
Electricity · Water · School Fees · Internet
CI
Côte d'Ivoire
3 billers available
Electricity · Water · Internet
BJ
Bénin
2 billers available
Electricity · Water
BF
Burkina Faso
Coming Q4 2026
Electricity · Water
ML
Mali
Coming Q4 2026
Electricity · Water
More WAEMU
Togo · Niger · Guinea-Bissau
Request your country →
What people say

Trusted by the diaspora community

★★★★★

"I used to spend an hour every month trying to sort out my mum's electricity bill from London. Paydirek takes two minutes. Genuinely life-changing."

AD
Amara Diallo
London → Dakar, Senegal
★★★★★

"My sister sends me the invoice ID, I pay it in the app, she gets a confirmation immediately. Simple as that. I love that I can see exactly where the money goes."

KA
Kofi Asante
Toronto → Abidjan, Côte d'Ivoire
★★★★★

"I set up a monthly schedule for my parents' water and electricity bills. I never think about it — they just never get cut off. Peace of mind is priceless."

FM
Fatou Mbaye
Paris → Cotonou, Benin
For utility companies

Are you a biller? Join the network.

Connect your utility company to Paydirek and receive the full payment amount — the payer covers the fee on top. Plans from free (Starter) to bespoke (Enterprise).

$41.8k
Paid out last month
714
Transactions
from 1%
Payer fee rate
You keep 100% of every payment
The payer pays the fee on top. Your settlement is the full gross invoice amount — no deductions, ever.
Full reconciliation portal
Your own dashboard to track every payment, download reports and manage invoices.
Invoice management
Create and send invoices directly to customers. Their diaspora contacts can pay instantly.

Start paying bills today.

Join thousands of diaspora members who already use Paydirek to keep the lights on back home.

About Paydirek

Built for the
diaspora.

We started Paydirek because we lived the problem. Sending money home is easy. Making sure it actually pays the right bill — on time, to the right account — is hard. We fixed that.

"Every family deserves to keep the lights on, the water running, and their children in school — no matter where they live in the world."

— The Paydirek founding team

1,284
Active users
$41.8k
Paid last month
8
WAEMU countries
94.2%
Success rate
Our values

What guides everything we build

Directness
No middlemen. No unnecessary steps. Money goes from your card to the biller's account — directly. That's the whole point.
Trust
You're trusting us with payments for your family. We take that seriously. Every transaction is secured, audited and traceable.
Access
Financial services should work for everyone. We're building the infrastructure the WAEMU region deserves — starting with the bills that matter most.
Reliability
When your family's lights depend on a payment going through, failure isn't an option. 99.9% uptime, 94%+ success rate.
Partnership
We work with billers, not around them. Our model benefits utilities by bringing them diaspora revenue they couldn't reach before.
Transparency
No hidden fees. You see exactly what you pay, what the biller receives, and what our fee is — before you confirm any payment.
The team

People who care about this problem

KD
Kwame Diallo
CEO & Co-founder
AN
Aisha Nwosu
CTO & Co-founder
FO
Femi Okafor
Head of Partnerships
SM
Sophie Mensah
Head of Product

Join us on this mission.

Whether you're a payer, a biller, or an investor — there's a place for you in the Paydirek story.

Pricing

Simple, honest pricing.

No subscription fees for payers. A small per-transaction fee is added on top of the bill amount. Billers choose the plan that fits their volume.

For Payers (Diaspora)

Pay as you go — no subscription, ever

A small convenience fee is added on top of the bill amount at checkout. You always see the exact total before confirming.

Small bills
from 100 XOF
Min. fee applies on small payments. Covers electricity tokens, water, small topups.
  • Fee shown before you confirm
  • Card + mobile money
  • Instant confirmation
  • Email + SMS receipt
  • Invoice payment support
Most common
Standard bills
~1% of bill amount
Typical fee on school fees, electricity, water. The biller's plan sets the exact rate.
  • Fee added on top of bill — biller gets 100%
  • Card + mobile money
  • Scheduled / recurring payments
  • Beneficiary management
  • Full payment history
  • Downloadable receipts
Large bills
0.5–1% of bill amount
Lower effective rates on university fees and high-value payments via premium billers.
  • Fee capped on large amounts
  • Card + mobile money
  • All Standard features
  • Priority processing
  • Dedicated support
For Billers (Utilities & Companies)

Plans that scale with your volume

By default, the fee is added on top of the invoice — you receive the full gross amount. Alternatively, billers can choose to absorb the fee themselves: payers see no extra charge and the fee is deducted from your settlement. You can configure this per-biller in your portal.

Payer pays fee (default)
Fee added on top at checkout. Biller receives 100% of invoice. Transparent to the diaspora payer.
Biller absorbs fee
Payer sees no extra charge. Fee deducted from biller settlement. Good for billers who want frictionless payer experience.
Starter
Free
No monthly fee. Great for getting started with diaspora payments.
  • 1% per transaction
  • Min. fee: 100 XOF
  • Weekly bank settlement
  • Biller portal access
  • Invoice management
  • Reconciliation reports
  • Priority onboarding
  • Dedicated account manager
Popular
Business
5,000 XOF /month
Lower per-transaction rate for growing billers with regular diaspora revenue.
  • 0.75% per transaction
  • No minimum transaction fee
  • Weekly bank settlement
  • Biller portal access
  • Invoice management
  • Reconciliation reports
  • Priority onboarding
  • Dedicated account manager
Premium
15–25k XOF /month
Our lowest rates for high-volume billers who want maximum margin.
  • 0.5–0.65% per transaction
  • No minimum transaction fee
  • Weekly bank settlement
  • Biller portal access
  • Invoice management
  • Reconciliation reports
  • Priority onboarding
  • Dedicated account manager
Enterprise
Custom
Bespoke rates, SLAs, and support for large utilities and institutions.
  • Negotiated rate
  • Custom settlement schedule
  • Full biller portal
  • Invoice management
  • API integration support
  • SLA guarantee
  • Dedicated account manager
  • Custom reporting
When does Business pay off?
Business saves you money once you exceed ~2,000,000 XOF/month in payments (the 0.25% saving covers the 5,000 XOF fee). Premium breaks even above ~3M–7.2M XOF/month depending on tier, before minimum-fee effects. These comparisons assume the biller absorbs transaction fees.
FAQ

Common questions

Do payers pay any subscription fee?
No. Payers never pay a subscription. A small per-transaction convenience fee is added on top of the bill amount at checkout — you always see the full total before confirming.
Does the fee come out of the biller's payment?
No. The fee is collected from the payer on top of the invoice amount. The biller always receives the full gross amount — no deductions from your settlement.
What currencies do you support?
Payers pay in USD, EUR, GBP or CAD (card or mobile money). We automatically convert to XOF at live exchange rates updated every 15 minutes. Billers always receive XOF to their local bank account.
How quickly does the biller receive payment?
The invoice is marked paid within minutes of a successful transaction. Billers receive their settlement to a local bank account on a weekly cycle (or custom schedule for Enterprise).
How do I sign up as a biller?
Fill in the contact form selecting "I'm a Biller". Our partnerships team will reach out within 2 business days to complete your onboarding and choose the right plan.
Can I switch plans later?
Contact our team to request a plan change and confirm its effective date.
Can billers absorb the fee instead of passing it to payers?
Yes. By default the fee is added on top for the payer, and the biller receives the full invoice amount. Biller owners can select fee absorption in portal Settings. Future payments then have no payer surcharge, and the fee is deducted once from the biller credit. Existing payments keep their recorded fee ownership.

No fees until you pay.

Create your account for free and only pay when you send your first bill.

Get in touch

Let's talk.

Whether you want to start sending payments, join as a biller, or just have a question — we'd love to hear from you.

Email us
hello@paydirek.com
Live chat
Available Mon–Fri, 9am–6pm GMT
Biller partnerships
partners@paydirek.com
Response time
We reply within 1 business day

Send us a message

Tell us who you are and how we can help.

I'm a Payer
I'm a Biller
Other
✓

Message sent!

Thanks for reaching out. We'll get back to you within 1 business day.
In the meantime, feel free to explore the app.