USSD Access

Use Danipa Pay from any feature phone — wallet, savings, loans, and account management via USSD short codes.

4 min read

Overview

Danipa Pay's USSD service lets you access your account from any mobile phone — no smartphone, internet, or app required. You dial a short code, enter your PIN, and navigate through text menus.

This is the right channel for:

• Feature phone users.
• Anywhere with limited internet connectivity.
• Quick balance checks or transfers when you don't want to open the app.

Country availability. USSD is currently rolling out in Ghana through partner telcos. The exact USSD short code is set per telco — check the welcome SMS you received when you signed up, or visit danipa.com for the current code in your country. Examples in this guide use the placeholder *123#.

How USSD works

Telcos forward your USSD requests to Danipa's gateway, which authenticates you with your transaction PIN and routes the operation through to the same backend the app uses. Sessions are short-lived (a couple of minutes) and step through menus one screen at a time.

If you're new to Danipa Pay, register through the mobile app first (or with help from an agent). USSD authenticates against an existing account.

Main menu

Dial the short code (e.g. *123#). After signing in with your PIN you'll see the main menu:

Welcome to Danipa
1. Wallet
2. Savings
3. Loans
4. Account
5. Language
0. Exit

Each menu drills into specific actions.

Wallet menu

Manage day-to-day money:

• Check balance — see your wallet balance.
• Send money — transfer to a Danipa user or a mobile money number.
• Mini statement — your most recent transactions.

Savings menu

Manage your savings:

• View goals — see your active savings goals and balances.
• Deposit — top up a goal from your wallet.
• Withdraw — pull from a goal back into your wallet (subject to lock-in rules — see Savings Goals).

Loans menu

Loan self-service:

• View loans — current and past loans.
• Repay — make a manual loan repayment.
• Apply — start a loan application; complex applications are completed in the app or with support.

See Loans & Credit for the full product list.

Account menu

Account-level options:

• Change PIN — update your transaction PIN.
• KYC status — see your current tier (see KYC Verification).
• Help — Danipa support contact details.

Language menu

Change the language used by USSD prompts. English is supported today; additional languages are added as the platform expands. The app and USSD language settings are independent — change each separately if you want a different language for each surface.

Authentication

USSD authenticates against your transaction PIN — the same 4-digit PIN you use to authorise transactions in the app. Wrong-PIN attempts trigger a temporary cool-down; if you're locked out, reset the PIN from inside the mobile app under Profile → Security.

Session limits

USSD sessions are short by design:

• Inactivity timeout is short (typically a couple of minutes). Complete each step promptly.
• Each USSD screen is limited by the telco's character budget — long lists are paginated.

If a session times out, redial the short code to start over.

Transaction limits

USSD transactions are subject to the same per-tier limits as in-app transactions. See KYC Verification for the current GHS limits per tier.

Tips

• Don't share your PIN. Danipa will never call or text asking for it.
• Keep your SIM secure. USSD is tied to your SIM card — report a lost or stolen SIM to your carrier and to Danipa support immediately.
• Verify recipients carefully. Confirm the name returned by the provider before entering your PIN — corrections after the fact are harder than over the app.
• Use the app for complex actions. Payment links, invoices, FX rate alerts, and merchant settings live in the app or merchant dashboard.

Troubleshooting

For unresolved issues see Troubleshooting or open a dispute via Dispute Resolution.