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Sending to Malawi 🇲🇼

Send payments to Malawi through Airtel Money or TNM Mpamba. Payments are automatically converted from USDC to Malawian Kwacha (MWK) and settled on local mobile money networks.

Benefits of using reply.cash for Malawi:

  • Lower fees - Typically under 2% vs 3-8% for traditional remittances
  • Instant settlement - Mobile money payments process in 1-5 minutes
  • No registration required - Recipients don't need to register mobile money numbers
  • Privacy - Avoid mobile money registration tracking that reveals location and personal information
  • Universal balance - One crypto balance works for all countries, no need to maintain separate balances

Supported Payment Methods​

  • Airtel Money - Mobile money service
  • TNM Mpamba - TNM's mobile money platform

📚 Want to learn more about payment methods? Check out our deep dive guides:

Transaction Limits​

  • Minimum: MWK 100
  • Maximum: MWK 5,000,000

How to Send​

Step 1: Prepare Your Wallet​

  1. Ensure you have USDC in your Solana wallet
  2. Have a small amount of SOL for gas fees (< $0.01)
  3. Connect your wallet to reply.cash

Step 2: Initiate Payment​

  1. Open the reply.cash app
  2. Tap "Send" on the home screen
  3. Select "Local Payment Rails" or "Mobile Money"
  4. Choose 🇲🇼 Malawi from the country list

Step 3: Select Payment Method​

Choose one of the following:

Option A: Airtel Money​

  1. Select "Airtel Money" as the payment method
  2. Enter the recipient's Airtel Money registered phone number (e.g., +265991234567)
  3. Enter the amount in MWK (or USD - it will auto-convert)
  4. Review the conversion rate and total
  5. Confirm the transaction

Option B: TNM Mpamba​

  1. Select "TNM Mpamba" as the payment method
  2. Enter the recipient's TNM Mpamba registered phone number (e.g., +265991234567)
  3. Enter the amount in MWK (or USD - it will auto-convert)
  4. Review the conversion rate and total
  5. Confirm the transaction

Step 4: Confirm and Send​

  1. Review all details:
    • Recipient's phone number
    • Amount in MWK
    • Exchange rate
    • Total USDC to be deducted
    • Transaction fee
  2. Tap "Confirm" or "Send"
  3. Authenticate using your wallet (approve the transaction)
  4. Wait for confirmation (usually 1-2 seconds)

Step 5: Payment Settlement​

  • Payment is processed and settled on local mobile money networks
  • Recipient receives funds in their Airtel Money or TNM Mpamba account
  • You receive a receipt for your records
  • Recipient receives SMS notification

What Recipients Need to Know​

For Airtel Money Recipients​

  • Recipient must have an active Airtel Money account registered with the phone number
  • Funds appear in their Airtel Money balance immediately
  • They can withdraw at Airtel agents or use for payments
  • No action required - funds are automatically deposited

For TNM Mpamba Recipients​

  • Recipient must have an active TNM Mpamba account registered with the phone number
  • Funds appear in their TNM Mpamba balance immediately
  • They can withdraw at TNM agents or use for payments
  • No action required - funds are automatically deposited

Important Notes​

Phone Number Format​

  • Use international format: +265 followed by the number
  • Example: +265991234567
  • Ensure the phone number matches the registered mobile money account

Currency Conversion​

  • USDC is automatically converted to MWK at current exchange rates
  • Exchange rate is shown before confirmation
  • Conversion happens in real-time during the transaction

Transaction Fees​

  • Recipients receive the full amount - no fees deducted
  • Senders pay only blockchain gas fees (SOL, < $0.01)
  • No additional fees during initial growth phase

Limits and Restrictions​

  • Minimum transaction: MWK 100
  • Maximum transaction: MWK 5,000,000
  • Daily limits may apply based on recipient's account type
  • Ensure recipient's account can receive the amount

Troubleshooting​

Payment Failed​

  • Check that you have sufficient USDC and SOL in your wallet
  • Verify the phone number is correct
  • Ensure the amount is within limits (MWK 100 - MWK 5,000,000)
  • Check recipient's account is active and can receive funds

If USDC was deducted but payment didn't complete: See our Refund Policy for instructions on requesting a refund.

Recipient Didn't Receive Funds​

  • Verify the phone number matches their registered mobile money account
  • Check if recipient's account has any restrictions
  • Wait a few minutes - some networks may take longer to process
  • Contact support with transaction hash if issue persists

Wrong Amount Received​

  • Exchange rates fluctuate - check the rate at time of transaction
  • Verify the amount you entered matches what was sent
  • Check transaction receipt for exact conversion details

Security Tips​

  • ✅ Always double-check phone numbers before sending
  • ✅ Verify recipient's identity for large transactions
  • ✅ Save transaction receipts for your records
  • ✅ Never share your wallet recovery phrase
  • ✅ Use official reply.cash app only

Need Help?​

For information about other supported countries, see Supported Platforms.