How It Works

Send Cash from any Cellphone

To send a payment, a user first must open a prepaid account or any form: Checking account or prepaid debit card. The user then links that account with his cellphone with either the issuer of the debit card or with P2P Cash directly. He then sends a SMS message to either P2P Cash or any Licensee with the amount he wants to send and the cellphone he wants the money sent to. Any cellphone worldwide.

The recipient after receiving SMS notification that he has a received a payment can either direct the cash to a bank account or can receive a FREE eWallet from P2P Cash or a participating carrier or retailer.  

Allowing new users to join the network at the time of making or receiving payments encourages our natural, user-driven growth. Our free, fast and simple account sign-up process asks each new user to register with P2P Cash his name, street address and cellphone  number, which serves as the unique account identifier.

Funding Payments

Senders fund payments in three ways:

1. From the sender's existing P2P Cash balance;

2. From the sender's bank account, using the Automated Clearing House, or ACH, network;   or

3. Fom the sender's debit card.

Security and Privacy

Each P2P Cash transaction has a 3 factor authentication process making it MORE secure than an ATM transaction. Many buyers and sellers wary of disclosing financial information online will find this high level of personal privacy attractive.