· COMMON QUESTIONS
The answers plain.
If something's missing, write to us, every email is read by a real person on the team.
Does KinPay actually move my money?
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No. KinPay is a record, not a wallet. The money moves through whatever channel you already use — bank transfer, mobile money, cash. We just track the agreement and the repayments.
What if they don't pay me back?
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KinPay isn't a collections service. We give you a clear, signed record of what was agreed and what's been paid. The relationship — and any conversation about it — stays with you.
Can I charge interest?
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Yes, if you and they agree. You can also set it to zero. KinPay doesn't advise on rates and never adds them on top of what you set.
Is it secure?
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Agreements are encrypted in transit and at rest. Both signers can export a PDF copy at any time. Read more on Trust & safety.
Where does KinPay work?
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Anywhere both of you have internet. We support multiple currencies and don't care which side of a border you're on. We never touch the money itself, so we don't need a banking license.