Tez

Send Money directly to your friends, Pay bill and also buy online.
you can use Tez application for all your transactions.
pay and receive money directly from your bank account.
Tez works with your existing bank account. which means you don't have to open the new account.
it is safe and secure with your bank.
After you send money to anyone you will get some scratches in return, with which u will be able to get some cash back.