With Wave Money, you can send money, cash out money and repay loans at Wave Money shops with just a mobile number and NRC number. You do not need to create an account to use Wave Money services. WavePay is a mobile wallet introduced by Wave Money. To use WavePay, you must have registered a WavePay account and you need to turn on your mobile data to transfer, cash in/out money, pay bills, and top up your mobile.