WavePay APP by Wave Money

Fast, Easy, and Secure Online Payments — Discover Myanmar’s Leading Mobile Financial Service.

WavePay is a mobile wallet application powered by WaveMoney, designed to bring every user into the digital payment ecosystem. With access to an extensive network of approximately 60,000 agents and over 200,000 merchants, WavePay offers a one-stop solution for all your payment needs:

• Send money to family and friends using just a mobile number—even if they’re not using the WavePay app.
• Scan QR codes for instant payments at grocery stores, pharmacies, electronics shops, restaurants, and more.
• Top up airtime or purchase data packs for yourself or loved ones.
• Easily pay your bills — including Internet, Solar, Insurance, and MFI loans.
• Link your bank account or MPU cards to effortlessly transfer funds in and out of your wallet.

Safe & Secure Transactions

Your security is our priority. WavePay ensures that all transactions are protected through advanced safety features:

• One Wallet, One Device (1W1D): This feature ensures that your WavePay account can only be accessed from a single device at any given time, keeping your information secure.
• 4-Digit PIN Protection: A mandatory PIN is required during account creation and must be used to authorize all transactions.
• 6-Digit Secret Code for Non-App Transfers: For added protection when sending money to non-WavePay users, a secret code is required along with the transaction ID to collect cash at any WaveMoney agent shop.

Convenient Cash-In and Cash-Out Services

With over 60,000 Wave agents located across Myanmar, you can easily deposit or withdraw cash whenever needed. Additionally, you can link your bank accounts from partner banks or use e-commerce-enabled MPU cards to move funds in and out of your wallet seamlessly.

Effortless Airtime Top-Ups and Bill Payments

Stay connected and manage your everyday expenses with ease:

• Top up airtime or buy data packs for any mobile operator — ATOM, MPT, and Ooredoo.
• Pay internet bills with over 30 providers, including ATOM, Ooredoo, Myanmar Net, 5BB, Fortune, Mahar Net, WeLink, and Myanmar APN.
• Repay loans from more than 40 partners such as Aeon, Rent2Own, Early Dawn, Yoma Bank, Advans, Alliance, VisionFund, and others.
• Make insurance payments with leading providers like Prudential, Manulife, Capital Taiyo, Young Insurance, and KBZ MS General Insurance.
• Settle solar energy bills from OV Solar, Solar Home, and Sun King Solar.
• Pay for healthcare and telehealth services via PunHlaing Hospitals, MyanCare, myDoctor, Health4U, and T-Fitness.

Fast & Reliable Online Payments

Enjoy seamless shopping and booking experiences with WavePay:

• Shop online at trusted platforms like Shop.com.mm, OwayFresh, and other partnered stores without worrying about cash on delivery.
• Order food or groceries from FoodPanda and pay instantly using the WavePay app.

Book Hotels & Travel Tickets

• Book domestic or international flights — one-way or round trip — with airlines like FlyMya and AirKBZ using your WavePay wallet.
• Purchase bus tickets hassle-free via MMBus Ticket, Oway, AungSan, AungMinGalar, and Mandalay Gate — with real-time seat availability updates.
• Reserve hotel stays with partners like Memories Hotel, Memories Travel, and Balloons Over Myanmar.

Make Everyday Purchases Effortlessly

Simplify your daily spending by scanning Wave QR codes at over 200,000 participating merchants for purchases ranging from groceries and medicines to electronics and clothing.

Need Help or Want to Partner with Us?

Our dedicated WaveMoney Call Centre is available daily from 8 AM to 10 PM to assist you. Call 900 from ATOM numbers (free) or dial 097900090000 from other networks.

Interested in becoming a business partner or agent? Email us at [email protected] or reach out to our call center for more details.