Happay for Android

Happay is a free app that makes it easy to transfer funds to other by eliminating the need to enter and remember bank account details. After a free signup, you receive a personal PIN number for your account that works in a similar fashion to your credit card pin. You can add funds to your Happay accounts using credit/debit cards. To transfer funds, select a recipient from your contact list, enter the amount you wish to transfer along with your PIN number and the money gets transferred. You recipient will get an SMS notification to install Happay if they don't have it already. The amount can also be used to recharge DTH and prepaid phones or just sent to your bank account. The limitation is that since it's available only on Android, the recipient should also have an Android device. 
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