BridgePay with no network at all.
Link your phone once. It holds its own key and pays other Bridgemoni phones with no signal. Every payment settles with your bank the moment you're back online.
Both phones need Bridgemoni. Money on your phone is like cash: read the risks.
“Abeg, do you have cash?”
The seller has no change, the card machine has no signal, and the network bar is empty.
With Bridgemoni, you hold your phone near theirs, enter your PIN, and you're both done. No signal, no data, no tower.
Five steps. The first two happen once.
-
Link this phone
A key is generated on this phone and never leaves it. Only this phone can spend the money it holds.
-
Move money to your phone
Top up “On this phone” from your main account while you're online. The fee is shown before your PIN.
-
Tap to pay
Hold your phone near theirs. Pick them from Phones nearby, enter the amount and your device PIN.
-
Receive
Your phone shows your name to people nearby, and how much more it can take.
-
It settles
Next time either phone is online, the tap settles with the bank. Or tap Settle now.
Always clear what's where.
Spendable on this phone
The money you moved here. It's what you can pay with offline.
Held taps
Taps made without internet are kept safely on this phone until they settle with your bank.
Collected
Money people paid you offline. It becomes yours to spend once it has settled.
You always see exactly what's still in the air.
1 · Phone to phone
Money moves straight away.
2 · Signed by both
Each phone signs the tap with its own key.
3 · Settled
Next time either phone is online.
For the places the network forgets.
Traders
Take payment at the stall when the network is jammed.
Riders and drivers
Get paid in traffic, under a bridge, out of town.
Events
Thousands of phones, one mast. Pay anyway.
Families
Pay a relative at home when the network is down.
Keep it safe
Money on your phone is like cash in your wallet. If the phone is lost, stolen, wiped or Bridgemoni is reinstalled before it settles, that money can be lost, and neither Bridge nor our banking partner covers it. Keep only what you need on the phone, and freeze a lost phone from another device straight away.
Good to know
- Both phones need Bridgemoni, and the payer needs money on their phone first.
- Offline sessions last up to 24 hours. After that, your phone needs to reach the bank once before it can pay again.
- Limits are set by the bank and depend on your account level. Fees and limits
- Works on Android phones and iPhones with Bluetooth or NFC, in both directions: Android to iPhone and iPhone to Android. Both phones need Bridgemoni.
- Money on your phone is like cash. Offline risk disclosure
Questions about offline
What if the payment fails?
Nothing left your phone. Try again, or pay another way.
Can I pay someone who doesn't have Bridgemoni?
No. Both phones need Bridgemoni for an offline payment.
How much can I keep on my phone?
Up to a limit set by the bank for your account level. Read more
What happens if my battery dies?
Payments already made stay saved on the phone. Once it's back on and online, settle them with your PIN.
Do I pay a fee for offline taps?
Any fee is shown in the app before you confirm. Read more
Can someone take money off my phone without my PIN?
No. Every tap needs your device PIN.
Send to any Nigerian bank
Free and instant to Bridgemoni users. Every fee shown before you confirm.
Send & receiveSend a voucher, not just money
Money on a code you can hand over. Spent all at once, or a bit at a time.
VouchersSafe by design
Three secrets, a key that never leaves your phone, and a lost phone you can freeze from anywhere.
Safe by designPay with no network. Get Bridgemoni.
Online money and offline money, in one app.
On Android and iPhone. Offline payments work between Android phones and iPhones, either way, over NFC or Bluetooth.