Move money
Pay from any phone, by text
No smartphone, no data, no bank account? Text a short command to pay a shop or a person from your Malaleem wallet. Money only moves after you approve it with your payment PIN, typed on the keypad during a call we place to you.
Any phone, no data
A basic phone that can send a text is enough. Pay shops by their six-digit code, or pay people by their number.
PIN on a call, never by text
After you reply YES we ring you and you type your PIN on the keypad. Holding the SIM alone is never enough to pay.
The same protection as the app
Identity checks, limits, fees and fraud screening are exactly those of every other Malaleem payment.
How it works
Up and running in three steps
Set your payment PIN in the Malaleem app or website, with your mobile number on your profile.
Text PAY, the shop's code and the amount — or SEND, a number and the amount. We reply with the total and a reference.
Reply YES, answer our call, type your PIN and press #. Both sides get a receipt.
Explore more
Other Malaleem solutions
NFC / Tap
Accept contactless cards, phones, and watches with a single tap. Malaleem reads NFC right in the browser and the native apps.
Goroosh Terminal
A dedicated physical terminal that pushes balance validations to both the merchant and the customer at the very same moment — ending every "did it go through?" dispute.
AI Payment Agents
Create autonomous, multi-tenant AI agents that pay, get paid, and reconcile on your behalf. Speak a command and your agent transfers funds, sets reminders, and updates your books.
Ready to try SMS Pay?
Create your Malaleem account in minutes — no setup fees.