Skip to content
Pebla

Documentation

Pebla,explained.

Everything you need to get started and get the most out of every feature.

Getting started

Sign up

  1. Open Pebla and tap Get Started, then Create an account.
  2. Enter your first name, last name, email and phone number.
  3. Type the 6-digit code we text you. It verifies automatically.
  4. Got an invite code from a friend? Enter it on Got a referral?, or skip.

Already have an account? Choose Login with number instead.

Getting started

Set up your phone

A short setup asks for the permissions that make Pebla useful. You can say Not Now to any of them.

  • Contacts: pay friends in one tap, no typing numbers.
  • Location: see nearby businesses that accept Pebla.
  • Notifications: confirmations, reminders and summaries.
  • SMS (Android): Pebla reads only your M-Money messages to track what you send and receive.
  • Add to Home Screen: a floating guide helps you put Pebla in your dock next to Phone.
  • Pebla widget: Pay, Split and Specials right on your Home Screen.

Paying

Send money

  1. Open the Pay tab and type the amount on the keypad. Tap Next.
  2. Pick a frequent contact, a favourite, a contact, or type a number or merchant code.
  3. Choose a tag (for example Groceries or Friends & Family) and add a note if you like. Tap Confirm.
  4. Pebla opens your phone’s dialer with the right USSD. Enter your PIN in the network’s prompt to finish.

If you paid the same amount to the same number recently, Pebla asks first: Replace Previous, New Transaction or Cancel.

Scan to pay

Tap the QR icon on Quick Pay to scan a merchant QR. On Android you can also switch to Text Scan to capture a printed MoMo number.

Dual SIM

On a dual-SIM phone, tap the SIM chip on Home to choose which SIM makes payments. Auto uses the SIM your MoMo messages arrive on.

Paying

Record payments automatically

Pebla can record whether each payment succeeded, failed or was cancelled, so you don’t have to tap Done.

Android

On the Payment screen, tap Turn on, agree, then turn on Pebla payment tracking in your phone’s settings. Pebla reads the MoMo pop-up only during a payment you started.

iPhone

Set up one Shortcuts automation, once. It takes about 2 minutes:

  1. Open the Shortcuts app and tap Automation, then New Automation.
  2. Choose Message. Set Message Contains to RWF and leave Sender empty.
  3. Select Run Immediately, tap Next, then New Blank Automation.
  4. Tap Add Action, search “Pebla” and choose Record Mobile Money Message.
  5. Make sure it reads “Record Shortcut Input in Pebla”, then tap Done.

Every MoMo SMS now goes to Pebla, even when the app is closed.

Splitting

Split a bill

  1. Tap Split on Home. Add people by number or from your contacts. Add me includes your own share.
  2. Enter the total and choose Pay to: Me (your MoMo number) or Vendor (their MoMo Pay code).
  3. Split equally, or choose Custom and type each person’s amount.
  4. Pick how to collect: QR Code Split (show each person their own QR) or Send payment links.

Splitting

Split a receipt

  1. On the Split screen, tap Split a receipt instead, then take a photo or upload one.
  2. Pebla reads the items, quantities, VAT, service charge and total, and prints them back for you to check.
  3. Tap Edit to fix anything. Pebla flags items with no price and possible duplicates.
  4. Choose where the money goes and tap Confirm split.
  5. Share the QR or link. Friends tick what they had and pay their share. No app needed on their side.

Payments go straight to your number, so mark people as paid when their MoMo message arrives. Links stay live for 14 days. Receipt scan is a Level 2 Pebla perk (see Pebla perks).

Bills

Airtime, bundles, electricity & water

Airtime

Choose Myself or Someone else, enter an amount and tap Buy. Check Balance opens your airtime balance.

Bundles

Pick Daily, Weekly, Monthly or Hourly and choose a pack. Bundle with Airtime checks your balance, tops up airtime, then opens the bundle packs.

Electricity

Tap Add Meter and enter your REG meter number. Pebla checks it and shows the account name before you save. Then tap Buy, pick an amount (minimum about RWF 500) and pay. Your token appears on screen; tap it to copy. Every token is kept under Tokens for that meter.

Water

Enter your meter number and amount, then tap Pay. Pebla remembers your last water meter.

Bills

eKash, banks & abroad

eKash: on the recipient screen, switch to eKash, save a bank account or phone number, and tap Send via eKash.

Bank to MoMo: from More, pick your bank. Pebla dials its USSD menu so you can send money to your MoMo.

International remittances: from More, tap Send abroad. Pebla opens your operator’s international transfer menu.

Rewards

Loyalty cards

  • Join a partner from Loyalty cards → Discover partners.
  • After paying cash, open the card and tap Earn points. Staff scan your QR and add your points.
  • Climb from Bronze to Silver, Gold and Platinum. Tap View tiers to see what each unlocks.
  • Tap Redeem on a reward. Staff scan the QR or type the redemption code.

Rewards

Pebla perks & referrals

Some features unlock as you use Pebla:

  • Level 1 (1 friend joined, 5 payments): Statement downloads.
  • Level 2 (3 friends joined, 15 payments): Receipt scan.

Friends count once they sign up with your invite code. Share it from the Refer tab. You earn 60 airtime minutes and 1,000 Rewards points for each friend who signs up.

Your account

History, insights & statements

History groups your payments by day. Filter by type, search by name, number or tag, and swipe a row to pay again, hide it or delete it. Hidden items live under More → Hidden transactions.

Spend Insights shows a breakdown by category for this week, this month, last month or a custom range.

Statements (Settings) summarises each month and exports it as PDF or CSV. It’s a summary of your Pebla activity, not an official MoMo statement.

Your account

Privacy & your data

  • Your payment history, notes, saved numbers and payment locations stay on your phone.
  • Pebla never sees your mobile money PIN or balance.
  • Usage analytics are optional: Settings → Data sharing.
  • Profile → Clear account data removes your history from this phone. Profile → Delete account removes your account.
No one from Pebla will ever ask for your PIN or a one-time code.

Still stuck? Contact us.