Most local clients will pay you by mobile money or bank transfer, and some by cash. Each is fine, as long as you confirm the money has really arrived, give a receipt and keep a record.
Mobile money
Mobile money is the most common way local clients pay freelancers. To receive it, a client needs your mobile money number and your registered name. Before you release final files:
- Check your actual balance or transaction history in your mobile money app or by dialling your provider's official menu. Do not rely on a screenshot, a forwarded message or an SMS that could be faked. Fake payment alerts are a known trick.
- Check the amount and the sender's name match what you expect.
- Note the transaction reference shown in your history.
Fees and limits apply to mobile money, and they change. Check your provider's current charges, and if a fee applies to receiving or withdrawing, include it in your pricing rather than being surprised.
Bank transfers
Organisations such as NGOs, schools and companies often pay by bank transfer, sometimes only after receiving a proper invoice. Bank transfers can take longer to arrive. Give your account name exactly as the bank has it, your account number and your branch, and confirm the credit in your own banking app or statement before treating the job as paid. Some organisations follow their own payment schedule, so ask early how and when they pay.