Products
One Sao account, built around you.
Three products work from the same account: a wallet for you, and payments and a terminal for your business.
Sao Wallet
Keep your money, send it and spend it from your phone with the Sao app.
GhanaLiberiaSierra Leone+2
Learn more Sao Pay
Take payments in your shop or online by QR code, payment link or API. Your money reaches your account the same day.
MerchantsOnlineQR
Learn more Sao POS
A counter terminal that takes cards, wallets and cash, prints receipts and settles to your account daily.
RetailRestaurants
Learn more Compare products
Find the Sao product that fits you.
See who each product is for, how you get it and where it is available.
| Feature | Sao Wallet | Sao Pay | Sao POS |
|---|---|---|---|
| What it does | Keep, send and spend money on any phone. | Take payments by QR, link or API. | A counter terminal for cards, wallets and cash. |
| Who it is for | Anyone with a phone number and a valid ID | Sole traders, market sellers, shops and online businesses | Shops, restaurants, pharmacies and fuel stations |
| How you get it | Download the app | Apply in the app or with a Sao agent | Order in the app or with sales |
| Where | All five countries | All five countries | Four countries, São Tomé and Príncipe in 2027 |
| Link | Learn more → | Learn more → | Learn more → |
Open your Sao account in minutes.
Download the app on Android or iPhone.