Frequently Asked Questions
Get quick answers to common questions about how we work, what to expect, and how we supports your success.
Paycilo is a universal Paylink that lets anyone pay you without asking for your bank details. You share one link, the customer selects how they want to pay, enters an amount and completes the transfer directly to your account.
No. Paycilo is not a wallet. All payments go straight to your bank account, mobile money wallet or any payout method you add.
Yes. You can create a Paylink that automatically opens WhatsApp so customers can message you and pay without asking for account details.
Channels let you create separate Paylinks for different uses such as business sales, donations, side hustles or personal transfers. Each channel has its own settings and payment accounts.
Yes. You can assign any bank account or payment method to each Channel to keep your earnings separated and organised.
Yes. Every transaction is tagged with the Channel where it originated so you always know what was paid, where and why.
Free users can create a limited number of Channels. Premium subscribers can create unlimited Channels for different projects or income streams.
Yes. You can add as many bank accounts as you need and customers will choose the one they prefer during checkout.
No. Your full details are protected. Customers only see what is necessary to complete the transfer.
Paycilo supports bank transfers, mobile money, approved payment providers and optional crypto payments depending on your region.
Yes. Crypto payments can be enabled for supported countries. Payout is made to the wallet address you configure.
Yes. You can toggle visibility for each bank or wallet and choose the default payment option for customers.
Yes. Channels allow you to add preset amounts customers can tap instantly, useful for products, services or donations.
Yes. Unless you lock an amount, customers can decide how much they want to pay.
No. Paycilo does not add extra charges to the sender. Any network or banking fee depends on the sender’s bank.
Yes. Paycilo is ideal for SMEs, freelancers, creators, consultants, physical vendors and online sellers.
Yes. Many users create Channels for rent, family contributions, gifts, loans, and other personal collections.
Your dashboard shows each transaction, payment method used, Channel, account credited and customer details when available.
Yes. Transaction logs can be filtered by Channel, payment method, bank account or date. Export to CSV is also available.
Yes. You can use the same Paylink forever unless you manually change it.
Yes. You can add your photo, bio, business description, preset items and multiple payment methods.
Yes. Paycilo supports international users though payment options vary by region.
No. Individuals can start immediately. Business verification unlocks additional features but is optional.
Scammers cannot withdraw money or access your banking details. Your Paylink is receive-only and hides your sensitive information.
Yes. It removes the need to share account numbers publicly, prevents edited screenshots and helps customers verify genuine accounts.
You can add multiple banks. If one provider is slow, customers can select another instantly.
Yes. You can disable or archive Channels without affecting your main Paylink.
Your customer completes a transfer using their own bank app or wallet, and the money goes directly to your account.
No. Paycilo never touches or stores your money. Payments are processed by banks, mobile money or third-party processors.
Yes. Create a Channel with a title, brief purpose and optional preset amounts. Share it across your platforms.
Yes. Every Channel includes a QR code that links to the same payment page.
Yes. You receive real-time updates via WhatsApp, email or in-app notifications depending on your settings.
Yes. You can embed your Paylink or Channel link directly on your site or generate a QR code for offline use.
Yes. Bank transfers may not always include customer details, but Paycilo still records the attempt for your tracking.
Premium offers unlimited Channels, advanced analytics, branded payment pages, instant verification badge, faster notifications and priority support.
Yes. Plan changes are applied immediately and your billing is adjusted accordingly.
Yes. Premium users can create team-managed Channels where staff can view transactions without accessing your full profile.
Yes. Channel-level permissions allow you to control visibility and access.
Upload simple proof such as ID or business documentation. Verification adds a badge to reassure your customers.
Yes. The dashboard clearly displays the exact account credited for each transaction.
Yes. You can update your number inside settings. If locked out, contact support with proof of ownership.
Yes. Channels support reminder links that help you request payment without repeating account numbers manually.
Yes. Channels create clear separation between multiple side hustles, businesses or income streams.
Transfers go directly to your bank, so any correction or refund is handled between you and the customer. Paycilo’s logs help verify details.
Yes. You can lock amounts inside a Channel if you only want fixed prices.
Verified accounts, branded pages and consistent Paylinks make it harder for scammers to clone or fake your identity.
Yes. Channels allow you to set campaign goals, preset donation amounts and track contributions clearly.
Yes. You can export filtered or full transaction logs as CSV for bookkeeping or tax reporting.
Yes. Your Paylink loads quickly and customers can complete payment from their own banking apps even with low connectivity.
It eliminates errors, fraud, repetition and trust issues. One permanent Paylink replaces constantly sharing account details.