Licensed payment service provider
Hassle-free payments for the Maldives
Pay bills, recharge, and pay in store or online, all instantly, from one app. Regulated by the Central Bank of Maldives, and built to be simple enough for everyone.
Licensed by the Central Bank of Maldives
Funds safeguarded
Serving the Maldives since 2018
Bills, recharges, QR payments and more
Reload- Raastas
Internet
Cable TV
Mobile
eSIM
Authorised sales partner for
Getting started
Up and running in three steps
- 01
Create your account
Download Payer and sign up in under a minute. You'll need your ID to verify.
- 02
Top up your Wallet
Transfer from your bank account and the money lands in your Wallet instantly.
- 03
Pay anything, instantly
Bills, recharges, QR in store, checkout online. Every payment is confirmed on the spot.
Financial Insights
See where your money actually goes. Insights turns the payments you already make on Payer into a clear picture of your spending and money movement. No spreadsheets, no manual tagging.
- Where your money goes
- Spending grouped by category and by merchant, so you can see the pattern instead of scrolling a list of transactions.
- Money in, money out
- What came in and what went out each week, side by side, plus what's left to spend before your next top-up.
- Built from what's already there
- No receipts to scan or budgets to set up. Every payment you've made on Payer is already counted.
Insights is in development. Join the waitlist from the Payer app to get it first.
Trust
Friendly to use. Serious about your money.
Payer is a licensed payment service provider. Here is what that means for you in practice.
Regulated in the Maldives
Payer holds a Payment Service Provider licence from the Central Bank of Maldives, granted in 2022 under the National Payment System Act.
Your money is kept separate
The balance in your Wallet sits in a segregated bank account held on your behalf. It is never mixed with Payer's own money, and it comes back to you if anything happens to us.
Locked to your device
Set a passcode or use Face ID and fingerprint to open the app. Lost your phone? Tell us and we'll freeze your account straight away.
Real people, seven days a week
Support is in the app and answered by our own team here in the Maldives. No phone trees, no offshore scripts.
More detail in our help centre and privacy policy.
Frequently asked questions
Is Payer regulated?
Yes. Payer is licensed by the Central Bank of Maldives as a Payment Service Provider under the National Payment System Act, granted in 2022.
That licence sets the standards we operate to: how we safeguard your money, verify customers, and handle your data.
How safe is my money?
We safeguard the money we receive from our customers.
Safeguarding means we keep your money in a separate bank account, held by us on your behalf. It is never mixed with the company's own funds.
This protects you because, if Payer were to become insolvent, the money in those accounts would be returned to customers.
How does Payer work?
Payer is an all-in-one app that lets you pay bills, recharge, and make in-store and online payments.
Once you install Payer and register an account, we create a Wallet for you. You can transfer money into your Wallet by bank transfer, then use it to pay for products and services on Payer.
Are there any hidden fees or charges?
No. We do not have any hidden fees or charges for our customers.
How long does it take to add money to my Wallet?
Money is added to your Wallet immediately after you transfer and claim the amount. This happens automatically.
Some deposits are processed manually. During a manual deposit session, you send us the receipt through the app and the amount is added within about 3 minutes of verification.
What bills can I pay with Payer?
You can pay Dhiraagu, Ooredoo and Medianet bills, both mobile and internet, and buy add-ons and upgrade packages.
You can also buy Reload and Raastas, and cash in to Dhiraagu Pay wallets.
Can't find what you're looking for? See all questions or talk to a human.
Let's get you started.
Pay bills, recharge and pay in store straight from your phone, with a licensed payment service provider behind every transaction.
Free to download. No monthly fees, no hidden charges.