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Claiming Funds

Learn how to receive USDC and USDT payments sent to you via reply.cash. When someone sends you money through reply.cash, funds are deposited directly to your mobile money account or bank - no wallet or claiming required!

How Receiving Works​

Direct Deposit to Mobile Money or Bank​

When someone sends you money via reply.cash:

  1. Sender initiates payment - They enter your phone number or account details
  2. Automatic conversion - USDC is converted to your local currency
  3. Direct deposit - Funds are sent directly to your mobile money or bank account
  4. You receive notification - SMS or app notification confirms the deposit
  5. No action needed - Funds appear in your account automatically

No wallet required! Recipients don't need a crypto wallet to receive payments.

If You Have a Solana Wallet​

If you have a Solana wallet connected to reply.cash, you can also receive USDC directly to your wallet:

  1. Share your wallet address - Provide your Solana wallet address to the sender
  2. Sender sends USDC - They send USDC directly to your wallet address
  3. Funds arrive - USDC appears in your wallet balance
  4. Use or withdraw - You can use the funds or withdraw to an exchange

See Receiving Money for detailed wallet receiving instructions.

Security Best Practices​

Verify Payment Details​

  • ✅ Check sender identity - Only accept payments from people you know
  • ✅ Verify phone number - Ensure your phone number is correct before sharing
  • ✅ Review amounts - Confirm the payment amount matches what you expected
  • ✅ Check account details - Verify bank account numbers are correct

Protect Your Accounts​

  • 🔐 Secure mobile money PIN - Never share your mobile money PIN
  • 🔐 Verify SMS notifications - Check that SMS comes from legitimate MNO
  • 🔐 Monitor transactions - Regularly check your mobile money or bank balance
  • 🔐 Report suspicious activity - Contact your bank or MNO immediately if suspicious

Avoid Scams​

  • 🚨 Unexpected payments - Be cautious of payments from unknown senders
  • 🚨 Payment requests - Legitimate payments don't require you to pay fees
  • 🚨 Phishing attempts - Never share your PIN or account details via links
  • 🚨 Verify sender - Always confirm with the sender before accepting large payments

Troubleshooting Common Issues​

Payment Not Received​

  • Check phone number - Verify the sender used the correct phone number
  • Wait 5-10 minutes - Mobile money payments may take a few minutes to process
  • Check account status - Ensure your mobile money or bank account is active
  • Verify transaction - Ask sender for transaction hash to check status
  • Contact support - Reach out via Discord with transaction details

Wrong Amount Received​

  • Check exchange rate - Amount is converted from USDC to local currency
  • Review transaction details - Verify the original USDC amount sent
  • Contact sender - Confirm the intended amount
  • Check fees - Some payment methods may have fees deducted

Mobile Money Account Issues​

  • Account not active - Contact your mobile money provider to activate account
  • Wrong phone number - Verify your phone number is registered with the MNO
  • Account suspended - Contact your MNO if account is suspended
  • Network issues - Check if your MNO is experiencing service issues

Bank Account Issues​

  • Account number incorrect - Verify account number format (e.g., NUBAN for Nigeria)
  • Bank not supported - Check Supported Platforms for supported banks
  • Account frozen - Contact your bank if account is frozen or restricted
  • Processing delays - Bank transfers may take 1-3 business days

After Receiving Funds​

Using Your Funds​

Once funds are deposited to your mobile money or bank account:

  • Use immediately - Funds are available right away
  • Send to others - Use your mobile money to send to others
  • Pay bills - Use for bill payments and purchases
  • Withdraw cash - Withdraw from mobile money agents or ATMs

If You Have a Wallet​

If you received USDC to your Solana wallet:

  • View balance - Check your USDC balance in reply.cash
  • Send to others - Use Sending Money guide
  • Withdraw to exchange - See Withdraw guide
  • Keep for future - Use for future payments via reply.cash

Payment Limits​

Transaction Limits​

Transaction limits vary by country and payment method:

  • Mobile Money: Typically $50-$500 per transaction (varies by country)
  • Bank Transfers: Higher limits, varies by bank
  • Daily Limits: Check country-specific guides for daily limits

See country-specific guides for detailed limits:

Frequently Asked Questions​

Do I need a crypto wallet to receive payments?​

No! Recipients don't need a crypto wallet. Funds are deposited directly to your mobile money or bank account in your local currency.

How long does it take to receive funds?​

Most mobile money payments arrive within 1-5 minutes. Bank transfers may take 1-3 business days depending on the country.

What currency will I receive?​

You receive funds in your local currency (KES, NGN, GHS, UGX, etc.). USDC is automatically converted at the current exchange rate.

Are there fees for receiving?​

No! Recipients don't pay any fees. The sender covers all transaction costs.

What if I receive the wrong amount?​

Contact the sender to verify the intended amount. Exchange rates fluctuate, so the local currency amount may vary slightly.

Can I receive payments on mobile?​

Yes! Funds are deposited directly to your mobile money account or bank account, accessible via your mobile phone or banking app.

What if I don't receive the payment?​

Check that your phone number or account number is correct. Wait 5-10 minutes, then contact support with the transaction hash if still not received.

Need Help?​

Support Channels​

Emergency Issues​

  • Payment not received: Contact support with transaction hash and recipient details
  • Suspicious activity: Report any suspicious payments or phishing attempts
  • Wrong amount: Contact support with transaction details for investigation
  • Account issues: Contact your mobile money provider or bank for account-specific issues

Ready to send payments? Check out our Sending Money guide to get started.