New to BRICS Pay? This comprehensive guide walks you through everything you need to know to start making instant cross-border payments across BRICS nations.
Whether you're a business owner dealing with international suppliers or a traveler exploring BRICS countries, BRICS Pay offers a simple, cost-effective way to send and receive money across borders. Here's your complete starting guide.
What You'll Need
Before getting started, make sure you have:
- A smartphone (iOS 14+ or Android 10+)
- Valid identification document (passport, national ID, or driver's license)
- A bank account or debit card in a BRICS country currency
- Access to a phone number for verification
Step 1: Download and Install
The BRICS Pay app is available on both major platforms:
iOS: Download from the App Store by searching "BRICS Pay" or scanning the QR code on the official website.
Android: Available on Google Play Store. If you're in a country where Google Play is unavailable, you can download the APK directly from bricspay.com.
Step 2: Create Your Account
Open the app and tap "Sign Up." You'll need to:
- Select your country of residence
- Enter your mobile number (you'll receive an SMS verification code)
- Create a secure PIN for app access
- Enable biometric authentication (recommended for extra security)
Step 3: Complete Identity Verification (KYC)
BRICS Pay is a regulated financial service, so you'll need to verify your identity:
- Document Upload: Take a clear photo of your government-issued ID
- Selfie Verification: Take a live photo matching your ID document
- Address Verification: May be required depending on your country
Verification typically takes 5-30 minutes, though during high-demand periods it may take up to 24 hours.
Pro tip: Ensure good lighting when taking photos of your ID. Blurry or poorly lit images are the most common cause of verification delays.
Step 4: Link Your Payment Method
Add a way to fund your BRICS Pay transactions:
Option A: Bank Account
Link your local bank account for direct transfers. This is the most cost-effective option with no additional fees.
Option B: Debit Card
Add your debit card for instant funding. Note that some cards may have daily limits.
Option C: Load Cash
In supported locations, you can add cash at participating convenience stores and banks.
Step 5: Start Transacting
Making a Payment (Scan & Pay)
When visiting a merchant that accepts BRICS Pay:
- Open the BRICS Pay app
- Tap the "Scan" button
- Point your camera at the merchant's QR code
- Verify the amount and merchant details
- Confirm with your PIN or biometrics
- Done! You'll see instant confirmation
Sending Money to Someone
To send money to another BRICS Pay user:
- Tap "Send Money"
- Enter the recipient's phone number or BRICS Pay ID
- Enter the amount in your currency
- Add an optional note or message
- Confirm the details and send
Transfers between BRICS Pay users are instant and typically free for amounts up to $500.
Requesting Payments
You can also generate QR codes for others to scan and pay you:
- Tap "Receive"
- Enter the amount you want to receive
- Share your QR code or payment link
- When someone pays, you'll receive instant notification
Understanding Fees
One of BRICS Pay's main advantages is transparent, low-cost pricing:
- Account Setup: Free
- Monthly Maintenance: Free
- Transfers under $100: Free
- Transfers $100-$1,000: 0.25%
- Transfers over $1,000: 0.15% (capped at $25)
- Currency Conversion: Based on live exchange rates with 0.5% spread
Security Tips
- Never share your PIN or password with anyone
- Enable biometric authentication for extra security
- Review your transaction history regularly
- Set up transaction notifications
- Contact support immediately if you notice unauthorized activity
Getting Help
If you encounter issues:
- In-App Chat: Available 24/7 for instant support
- Email: support@bricspay.com (response within 24 hours)
- Phone: Local support numbers available in each BRICS country
- Help Center: Comprehensive FAQs and video tutorials at bricspay.com/help
With BRICS Pay, cross-border payments have never been easier. Download the app today and join over 10 million users already enjoying borderless payments across BRICS nations.