PayLink

A Trindrik venture

Money that moves as far as Namibia does.

PayLink gives every Namibian a wallet — bank account or not, smartphone or not. Send money over USSD, pay a shop with a code, and withdraw cash at the agent down the road.

Open a wallet in 6 taps Try the *120*PAY# menu

Works without internet

Dial *120*PAY# on any feature phone to check balances, send money and generate a cash-out code.

Agents in every region

Cash in and cash out at spaza shops, fuel stations and kiosks from Zambezi to ǁKaras.

Merchant till & QR

Shops charge customers with a QR code or a 6-digit reference, then settle to their bank.

Escrow for gig work

Hold funds until an errand is delivered, then auto-split the commission — powering SendMe and beyond.

Built as shared infrastructure

PayLink wallets are not locked to one app. Any Trindrik venture — starting with the SendMe errand marketplace — can create payment requests, hold funds in escrow and release them with an automatic commission split, all against the same wallet and user record.

import { paylink } from "@trindrik/paylink";

const hold = await paylink.holdInEscrow({
  payeePhone: courier.phone,
  amount: 250,
  commissionRate: 0.15,        // SendMe's cut
  releaseCondition: "delivery_complete",
  sourceApp: "sendme",
  externalRef: "sendme-order-123",
});

// SendMe's server calls this webhook when the delivery is marked complete:
POST /api/public/v1/webhooks/sendme
X-SendMe-Signature: sha256=<hmac>
{
  "event": "escrow.release",
  "external_ref": "sendme-order-123"
}
// courier paid, commission split to Trindrik

Frequently asked questions

Do I need a bank account to use PayLink?
No. A Namibian mobile number is enough to open a PayLink wallet. You can receive money, pay merchants and withdraw cash at an agent without ever opening a bank account.
Does PayLink work without internet or a smartphone?
Yes. Dial *120*PAY# on any feature phone to check your balance, send money, pay a shop and generate a cash-out code. The same menu is available in the app for smartphone users.
How much money can I hold in a PayLink wallet?
Tier 1 wallets, which need only your phone number, name and date of birth, hold up to N$1,000. Tier 2 wallets, verified with an ID document, hold up to N$25,000.
How do I withdraw cash from my wallet?
Generate a one-time cash-out code in the app or over USSD. It is valid for 10 minutes. Give the code to any PayLink agent — a spaza shop, kiosk or fuel station — and collect your notes.
Which languages does PayLink support?
English, Oshiwambo, Afrikaans, Otjiherero, Khoekhoegowab and Rukwangali, both in the app and in the USSD menu.
Can other apps pay out through PayLink?
Yes. Partner apps such as the SendMe errand marketplace use the PayLink API to create payment requests, hold funds in escrow and release them to a courier's wallet with an automatic commission split.

Still stuck? Email support@pay-link.online.