Sunday, 19 March 2017

Out with PayWay and in with ChapChap.

Nearly 1 year and 6 months ago, I ranted on about the inconvenience in trying to credit my Yaka account using the PayWay service. This post is not a rant, it is a solution to the dilemma that we all have when we need to top up and get units for our Yaka devices when the PayWay or Mobile Money network is down. You have all experienced this once or twice before.

I had resigned myself to being content with the way things are in Uganda (the status quo) and even opted to do bulk purchases for my Yaka meter once a month, always making sure to top up when I was left with not less than 15 units. Yes, I mentally created a minimum top-up level for myself on my phone with audio alerts (desperate times call for desperate measures).  This is no way to live, I told myself as I remembered my terrible experience I previously had with PayWay.

Then enters ChapChap a new mobile payment platform that allows you top-up, pay other bills and earn/ save money while doing so. Check out their website on https://chapchap.co/  



You can top-up you on airtime on UTL, MTN, AIRTEL, VODAFONE, SMILE DATA, Smart Airtime and AFRICELL Airtime. For bill payment, you can pay for NWSC, UMEME, Startimes, DSTV, GOtv, URA and KCCA. Given my limited needs, I have only used the platform as a user and not an agent for purchases of airtime for UTL, Airtel and MTN and top-up for my Yaka.  So begin I downloaded the App off play store and entered my sponsor agent number which is a telephone number after which I got a license.  



So to pay for YAKA of 100,000, I made sure I had 100,000 on mobile money but that was not enough I needed a service charge of 3,000 from MTN to also be available on my mobile money account as well. (Please note that the service on charges vary depending on the payment)

Step 1: I went onto the downloaded ChapChap from my Google Play store using my MTN number for registration. https://play.google.com/store/apps/details?id=chapchap.com.chapchap&hl=en and I purchased stock worth 100,000 on ChapChap. To pay using this platform is a little different, it is not like using Mobile Money where you send the money using instructions such as *160*2… (You know what I am talking about).  

Oh before I forget, since you use both  MTN number and email to register you can access it online using a computer/laptop to print out receipts in the cases where you use this service for work-related purchases and accountability is needed.

Email receipt on email confirming purchases of stock, you can also extract for any payment transacted off your account on their system.

Step 2: No you need to buy digital stock worth the value of the transaction you want to make. So go to buy stock, select your mobile network and enter your mobile number and package (payment amount value from menu options).

You will be asked to confirm payment using your Mobile Money PIN so have it handy.
The great thing about this platform is you get SMS notifications at every stage of the process. So here, you get SMS notifying you of completion of the stock purchase and highlights the amount. If it was not successful it means that you do not have adequate funds on your MM Account.

Step 3: Go to the pay bills sections and select YAKA or any other payment you would like to make.

Step 4: You enter your YAKA Meter number and then below enter the amount you intend to pay and click proceed.

Step 5: If you have adequate funds (10o,000 stock) + (3,000 MTN fees) you get an SMS alert showing you your receipt and token number to activate your top up as you would usually find on your Yaka Payment slip issued by PayWay. 

Step 6: You get a cash back for using the service, for YAKA it is 600. So can only be cashed and used if you are an agent.


Personally, the fact that I don’t need to use PayWay again is awesome so the cash back is just icing on the cake. The convenience, ease and user-friendly customer service support team that I called late at night (11:00 pm) on a weekend make this platform a must-have. A pal of mine, downloaded this App onto my phone and activated it for me with him as my agent and I whined the entire time but believe me I thanked him afterwards.


So this runs on Android based platforms but that did not stop me from telling my sister about it. Sadly, I am a few light years from her in tech terms so she kept saying, it is called what Chap sap, Sap sap…..