plugPAY

The implementation of Cash-Based Transfers (CBT) assistance is complex, which can involve up to 39 different combinations of payment instruments and delivery mechanisms. Collaborating with Financial Service Providers (FSP) demands significant input, with partners contributing extensive information and effort to facilitate the seamless execution of cash-based transfers in conjunction with WFP. As a result, many WFP Country Offices work with only one FSP in their respective country, limiting the choice and financial inclusion of the assisted people.

The plugPAY digital payment enables the delivery of cash to affected populations faster and more efficiently through one single platform. The platform strengthens the implementation of cash-based transfers in WFP Country Offices and with FSPs by offering standardized terms, procedures, and protocols to local providers for joining and supporting the last-mile delivery. People receiving WFP cash assistance can choose their preferred payment instrument, thereby increasing agency and fostering financial inclusion.

As of the end of 2025, plugPAY has delivered USD 41 million to over 3 million people in various modalities, giving people the freedom to choose their preferred method - enabling financial access and inclusivity. PlugPAY also cut onboarding time by 79 percent and fees by 83 percent, saving WFP over USD 1 million. It transformed the delivery of cash-based transfers with faster, traceable payments. WFP country offices now provide instant, flexible transfers, improving access and operational agility in contexts like Nigeria, Ukraine, Nepal, the Philippines, Peru, Zambia and Sri Lanka.