Getting Started with RedotPay: From Signup to First Payment

What this guide covers

I have personally registered, completed identity verification, funded my account, obtained a virtual RedotPay card, added it to a mobile wallet, and made real payments, both online and contactless.

This guide walks through each of those stages in order. Each stage starts with what happened for me, then practical steps and the result you should see.

Step 1: Create your account

Registration is done with a phone number or email address. If you use my referral link, the current offer for new signups applies, subject to RedotPay's terms.

How to do it

1. Open the referral link or go to RedotPay's official signup page.
2. Register with your phone number or email address.
3. Set a secure password and complete the verification code step.

Expected result: You can sign in to the RedotPay app with your new account.

Step 2: Complete identity verification (KYC)

RedotPay requires identity verification before you can get a card. It involves a photo of an accepted ID document and a selfie.

My own verification was not entirely smooth: I ran into address-verification difficulties and it took some back-and-forth. Make sure the details on your document match your account details exactly, and use a clear, recent document.

How to do it

1. Find identity verification in the app, usually under your profile (labelled Profile and Identity Verification in the reference material).
2. Choose your document type and take a clear photo of it.
3. Take the selfie as instructed.
4. Wait for the review. It can be quick, but allow for delays.

Expected result: The app shows your identity verification as approved or complete.

Step 3: Add funds to RedotPay

The funding options you see depend on your account and location. I funded my account with USDT transferred from Binance, which I bought with a Maldives-issued bank card. That route cost me about 3.6–4.1% on the card deposit and 1.5 USDT on the transfer.

Your app shows the funding methods available to you. Check the fees shown at each step before confirming anything.

Expected result: The funds show in your RedotPay balance and in the transaction history.

Read my full funding walkthrough, with fees and lessons →

Step 4: Apply for your virtual card

Once verified, you can apply for a virtual card in the app. The card details are generated in the app after approval.

Before applying, make sure your account has sufficient available funds to cover the applicable card issuance fee shown in the app.

Virtual card: $10 to $8 with YUSUF; physical card: $100 to $80 with SHUNA. Save 20% on either issuance fee. Amounts in USD, subject to current RedotPay eligibility and terms.

The $5 signup reward is separate from these discounts and cannot pay either card issuance fee. This walkthrough continues with the virtual card.

How to do it

1. Open the card section of the app and choose to apply for a card.
2. Select the virtual card.
3. Enter YUSUF for the virtual-card promotion if eligible, then check the issuance fee shown before confirming.
4. Confirm and wait for the card details to appear.

Expected result: Your virtual card appears in the app, and you can view its card number, expiry date and security code.

Step 5: Add the card to your mobile wallet

I added my RedotPay card to a mobile wallet and have used it for contactless payments. The steps below are practical guidance for each wallet; your screens may look slightly different.

Google Wallet (Android)

1. In the RedotPay app, open your card and copy the card number, expiry and security code.
2. Open Google Wallet and choose to add a payment card.
3. Enter the card details and billing address.
4. Complete the verification code step sent by SMS or in the app.

Apple Wallet (iPhone)

1. In the RedotPay app, open your card and look for an option to add it to Apple Wallet, then follow the prompts.
2. Or add it manually: open Apple Wallet, choose to add a debit or credit card, enter the card details, and verify via SMS or email.

Wallet support depends on your device, region and account. If the option is not available to you, the card still works for online payments.

Expected result: The RedotPay card shows in your mobile wallet as ready to use.

Step 6: Make your first payment

I have used the card for international online payments and contactless payments. After paying, the transaction appears in the app's transaction history, which is the simplest way to confirm everything worked.

Start with a small purchase you can afford to have go wrong, and check the transaction history afterwards.

Expected result: The payment is approved and appears in the app's transaction history with the correct amount.

Common problems and what to do

Common questions