CellPay

What CellPay does

CellPay is a fintech company that develops and operates a mobile-first digital payment platform targeting the Haitian market and broader Caribbean region. Founded in 2020 and registered in Miami, Florida, the company has established its primary operational base in Port-au-Prince, Haiti, as evidenced by its +509 country code phone support, Haitian gourde localization, and Haitian flag indicators in its login interface. The company targets individuals and businesses requiring cross-border money transfer capabilities, local merchants seeking digital commerce infrastructure, and consumers in underserved markets with limited access to traditional banking.

The core product is the CellPay Wallet, a Progressive Web App (PWA) that enables users to digitally earmark values for cross-border payments and access an in-app marketplace of local merchants. The platform's distinguishing technical feature is its digital value earmarking capability, which allows users to control fund allocation for cross-border transactions. The technology stack is built around PWA architecture to maximize reach in regions with limited smartphone penetration or connectivity, and authentication is handled via phone number to lower onboarding friction for unbanked users. A separate CellPay Marketplace product connects local merchants to consumers within the same application environment.

CellPay's business model is built on transaction fees derived from cross-border remittance and payment services, though no specific pricing is publicly disclosed. The go-to-market motion is product-led growth: users self-onboard via the mobile application, with customer support available through phone, WhatsApp, and email. The company has not disclosed any funding rounds, partnerships, management team, or revenue figures, and operates with a very small team of 1-10 employees, placing it at an early operational stage with limited public validation of its scale or traction.

Name

CellPay

Legal name

CellPay

Website

https://cellpay.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

CellPay is a Miami-incorporated fintech operating a mobile-first digital payment and local merchant marketplace platform, primarily serving cross-border remittance users, local merchants, and consumers in Haiti with phone-based onboarding and digital value earmarking.

Ownership category

akta.pro rank

Product category

Mobile Payments / Digital Wallet

NAICS

All Other Telecommunications (517810)

akta.pro primary industry

Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC)

akta.pro secondary industry

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

Keywords

• Cross-border payments
• Mobile digital wallet
• Remittance services
• Merchant marketplace
• PWA fintech platform

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Cross-Border Payment Services: Digital payment solution for cross-border transactions with value earmarking capabilities. Revenue likely derived from transaction fees on cross-border remittance and payment services.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

CellPay is a fintech company that operates a mobile-first digital wallet (delivered as a Progressive Web App) enabling users to send, receive, and earmark digital values for cross-border payments. The application also includes an integrated marketplace of local merchants where users can discover and transact with nearby businesses, combining remittance and domestic e-commerce on a single platform.

Product overview

CellPay is a Fintech company developing E-commerce Solutions, offering a unified platform consisting of the CellPay Wallet (a digital payment application) and an integrated marketplace of local merchants. The platform provides end-to-end digital payment solutions, enabling users to earmark values sent digitally through their mobile application. The product architecture consists of a core wallet/product app (CellPay Wallet/Mobile Application) that serves as the payment interface, connected to a marketplace platform where local merchants can offer their services.

Differentiator

Problem solved

Functional benefit

Products and services

• CellPay Wallet

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Recent moves3 records

Expansion highlights3 records

Direct peers

• MonCash: Digicel Haiti's flagship mobile money/wallet product that lets users send, receive, and pay digitally across Haiti. It is the closest direct competitor because it operates in the same country, serves the same unbanked user base, and uses phone-number onboarding.
• NatCash: Natcom Haiti's mobile money wallet for digital payments, transfers, and merchant transactions within Haiti. Directly comparable as a carrier-affiliated mobile wallet competing for the same Haitian consumer wallet share.
• Sendwave: Cross-border remittance app focused on diaspora corridors (notably Africa and the Caribbean) with mobile-first UX. Comparable as a digital-first remittance competitor targeting similar diaspora remittance use cases.
• Chipper Cash: Cross-border mobile money platform enabling P2P transfers and merchant payments across African and emerging-market corridors. Comparable as a mobile-first, phone-onboarded cross-border wallet targeting emerging-market diaspora flows.
• WorldRemit: Digital cross-border money transfer service with strong Caribbean and diaspora corridors. Comparable as a digital-native remittance competitor serving Haitian diaspora users.

Broad incumbents

• Remitly: Large digital remittance platform offering transfers from the U.S. to many emerging markets including the Caribbean. Comparable on cross-border remittance use case but with much broader geographic coverage and deeper licensing infrastructure.
• Western Union: Global remittance incumbent with deep agent distribution in Haiti. Comparable on the underlying cross-border remittance use case but operating a fundamentally different agent-based model and far larger scale.
• MoneyGram: Global money transfer operator with significant Caribbean corridor volume. Comparable as a broader remittance incumbent competing for the same diaspora-to-Haiti transfer flows.
• PayPal: Global digital payments platform offering P2P transfers, digital wallets, and merchant payments. Comparable on the consumer/merchant wallet functionality, though at much broader scale and with full regulatory infrastructure.

Emerging players

• Bitso: Latin American digital wallet and crypto-enabled payments platform serving cross-border corridors with similar mobile-first architecture. Comparable as an emerging-market mobile wallet with cross-border focus and merchant/payment integrations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/cellpaydotcom
• Facebookfacebook.com/cellpaydotcom
• LinkedInlinkedin.com/company/cellpaydotcom

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CellPay