Pay Smarter,
Move Faster,
Live Better.
PayCad brings bus ticketing, parking, local taxes, money transfers, and utility payments into one seamless mobile-first platform built for Uganda.
PayCad
Everything you need
in one wallet
From hopping on a bus to paying your KCCA dues — PayCad handles every transaction that matters to you daily.
Bus Ticketing
Book and pay for intercity and city bus routes instantly from your phone.
🅿️Parking
Pay for parking spots across Kampala and major towns without cash.
🏛️Local Taxes
Pay URA, URSB and KCCA fees directly — no queues, no paperwork.
💸Send Money
Peer-to-peer transfers in UGX instantly between PayCad wallets.
💡Electricity
Top up UMEME and other electricity providers without leaving home.
💧Water Bills
Pay NWSC and other water utility bills instantly and securely.
How PayCad works
Create Your Account
Sign up with your phone number. Verify with OTP. Your PayCad wallet is ready in under 2 minutes.
Fund Your Wallet
Top up via Mobile Money (MTN, Airtel) or bank transfer. Your UGX balance is live instantly.
Select a Service
Choose from bus, parking, taxes, utilities, or peer-to-peer transfer from the app dashboard.
Pay & Confirm
Authenticate with your PIN, complete the transaction. Instant receipt delivered to your phone.
Built for Uganda,
built for you
We designed every feature around how Ugandans actually live, move, and pay.
Instant Transactions
All payments settle in real time. No delays, no waiting, no wondering if it went through.
Real-timeBank-Grade Security
PIN protection, device binding, and end-to-end encryption keep every transaction safe.
256-bit encryptionWorks Offline
Core features work on low or no data. Because Uganda doesn't always have full signal.
Low-data modeDigital Receipts
Every payment creates a verifiable receipt stored in-app — perfect for tax records.
PDF exportLow Transaction Fees
We keep fees minimal and transparent. No hidden charges, ever.
Transparent pricingGovernment-Integrated
Direct integrations with URA, URSB, and KCCA for official, compliant tax payments.
Official APIsPayCad works on
any phone, any network
Whether you have the latest iPhone or a basic Nokia — PayCad has a channel built for you.
Mobile App
Full-featured iOS & Android app. QR tickets, GPS parking, biometric login, PDF receipts and real-time notifications.
WhatsApp Bot
Chat with PayCad on WhatsApp. Book buses, pay taxes, send money — all through simple messages. No app download required.
USSD *284#
Dial *284# on any phone — Nokia, Samsung basic, Tecno — on MTN or Airtel. No internet, no WhatsApp needed.
Start paying the smart way today
Download PayCad on your iPhone or Android. Your first transfer is free.