Pay, transfer, top up in seconds

MoniTrack is a personal finance management app that helps you track your expenses, analyze your mobile money transactions, scan your bills, and facilitate your daily financial operations in Cameroon. The app works as a smart dashboard for all your mobile finances.

Yes, MoniTrack is free to download and use. Basic features (SMS analysis, dashboard, history) are completely free. Only the cross-operator transfer facilitation service has service fees.

On Android, MoniTrack reads your transaction SMS (Orange Money, MTN, ENEO, etc.) and automatically extracts information: amount, date, transaction type. This data is used to generate your dashboard and statistics. Your SMS stay on your phone and are not sent to our servers.

Apple does not allow third-party apps to access SMS for security reasons. On iOS, you can use all other features (bill scan, manual dashboard, transfers) but not automatic SMS analysis.

MoniTrack supports scanning ENEO (electricity), Canal+ (TV subscription), Camwater (water) and other Cameroonian provider bills. The app reads the QR code or barcode and automatically pre-fills the USSD payment code.

Point your camera at the QR code or barcode on your bill. MoniTrack automatically detects the information (meter number, reference, amount) and generates the corresponding USSD code. Then just click to launch the USSD call and make the payment via your operator.

With MoniTrack it's simple: download the free app (no account needed to get started), enter the Orange Money number to debit and the MTN MoMo number to credit — the operator is detected automatically — then confirm the payment with your Orange Money PIN. The recipient receives the money on their MTN MoMo account within seconds, with an SMS confirmation. They don't need the app.

Yes, MoniTrack works both ways: Orange Money to MTN MoMo and MTN MoMo to Orange Money. The process is the same in either direction: enter both numbers, confirm the payment on your source account, and the recipient is credited on the other network within seconds.

Yes. Your first transfers work without signing up: download the app and transfer right away. Creating an account is only requested later, and unlocks full history, loyalty points and higher limits.

MoniTrack acts as a technical intermediary to facilitate transfers between Orange Money and MTN MoMo. Here's the process: (1) You initiate the request in the app with the amount and recipient number, (2) You receive a payment request on your source account (OM or MTN), (3) You validate the payment with your PIN code, (4) Funds are instantly credited to the destination account. MoniTrack never holds your funds - they transit directly between operators.

In most cases (over 95%), the transfer is completed in less than 30 seconds after your validation. The complete process includes: your payment validation (instant), processing by our partner (a few seconds), and credit to the recipient account (instant). You receive a notification at each step.

Fees vary by amount: 1% for 100-5000 FCFA, 1.5% for 5001-25000 FCFA, 2% for 25001-100000 FCFA, and 2.5% above. These fees cover operator partner costs and the facilitation service. The exact fee amount is ALWAYS clearly displayed before confirmation - you know exactly what you're paying before validating.

Identity verification is mandatory in compliance with financial regulations in Cameroon (COBAC, BEAC). It helps: prevent fraud and money laundering, protect your account against unauthorized use, increase your transfer limits, and ensure transaction traceability. It's a protection measure for you and all users.

Limits depend on your KYC level: Level 1 (phone verified by SMS): 50,000 FCFA/day. Level 2 (+ ID document photo): 200,000 FCFA/day. Level 3 (+ selfie with ID): 500,000 FCFA/day. Level 4 (complete verification with all documents): custom limits up to several millions. Verification is done directly in the app and usually takes less than 24h.

When the transfer succeeds: (1) You receive an immediate confirmation notification, (2) The recipient receives funds instantly on their account, (3) The recipient receives an SMS from their operator confirming receipt, (4) You can check the transaction details in your history, (5) A digital receipt is available in the app that you can download or share.

If a transfer fails after funds were collected from your source account, you are AUTOMATICALLY refunded. Here's the process: (1) Our system immediately detects the failure, (2) You receive a notification informing you of the problem, (3) Refund is initiated automatically, (4) Funds are credited to your source account within a maximum of 24h (usually much faster). You can track the refund status in real time in the app.

A transfer can fail for several reasons: (1) Incorrect recipient number or not registered with the operator, (2) Blocked or inactive recipient account, (3) Recipient's daily limit reached, (4) Temporary technical issue at the operator (maintenance), (5) Insufficient balance to cover amount + fees, (6) Timeout during PIN code validation. In all these cases, if funds were debited, you are automatically refunded.

You can track your transfer in real time: (1) In the app, go to "History" then select the transfer, (2) You'll see each step: "Waiting for payment", "Payment received", "Processing", "Completed" or "Failed/Refunded", (3) Push notifications inform you of each status change, (4) In case of problem, error details are displayed with possible actions.

Once you've validated the payment with your PIN code, the transfer cannot be cancelled as funds are immediately processed. That's why we ask you to carefully verify the recipient number and amount before confirming. If you sent to the wrong number, contact our support immediately - we'll do our best to help, but we cannot guarantee fund recovery once credited.

MoniTrack is a technical facilitation service. We are not a payment institution and do not hold funds. Transactions go through our licensed partners (Orange Money, MTN MoMo) who are themselves regulated by competent authorities (COBAC, BEAC). This architecture ensures the security of your funds as they never leave the licensed operator circuit.

If the recipient confirms not having received the funds while your transfer shows "Completed": (1) Ask the recipient to check their transaction history, (2) Verify you sent to the right number, (3) If the problem persists, contact our support with the transfer reference number, (4) Our team will investigate with our payment partner, (5) If the error is confirmed, you'll be refunded within 48-72h. Always keep your transaction receipts.

The MoniTrack transfer service is available 24/7. However, temporary unavailability may occur during operator maintenance (usually at night between 2am and 5am) or in case of technical issues. In these cases, the app clearly informs you that the service is temporarily unavailable and invites you to try again later.

Yes. MoniTrack uses AES-256 encryption to protect your data. Your personal information is never shared with third parties. The app uses biometric authentication (fingerprint, Face ID) when available. Analyzed SMS stay on your device.

Several ways to reach us: (1) In-app chat: available 24/7 in the app (response in less than 2h), (2) Email: support@monitrack.tech (response within 24h), (3) WhatsApp: link available in the app (quick response), (4) Social networks: Facebook and Twitter @MoniTrackApp. For faster processing, always include your phone number and the transaction reference number concerned.

In case of emergency: (1) Open the app and go to "Support" > "Transfer Emergency", (2) Select the concerned transfer, (3) Our team will be immediately notified and will handle your case as priority. For critical issues (high amount, recipient error), contact us simultaneously via WhatsApp to speed up processing. Our on-call team is available even on weekends for urgent cases.

If you suspect fraud on your account: (1) Immediately change your MoniTrack password, (2) Contact our support with "URGENT - Suspected fraud" mention, (3) We'll temporarily block transfers on your account during investigation, (4) Provide us all details: suspicious transactions, dates, amounts. We take security very seriously and will investigate within 24h.