Mobile Money is a technology that enables people to send or receive money using their mobile phone. Typically, Mobile Money is provided by the same companies that operate the country’s mobile services. Every Mobile Money user has a phone number that is also the account number. Using a special Mobile Money menu or app on the phone, users can transfer money to another person, pay in stores, pay bills or withdraw cash. Mobile Money is a popular alternative to cash and banks because it is easy to use, secure and can be used anywhere a mobile phone signal is present. Particularly in developing and emerging countries, mobile banking is replacing the often lacking infrastructure, enabling a large proportion of people without bank accounts to participate financially and socially. Rural areas in particular benefit from Mobile Money, as merchants are usually spread across the entire country. They can be owners of small shops, gas stations and other shops. Customers can deposit cash there or transfer it via SMS to other users, who in turn can withdraw it from a so-called cash-out agent in their village. The transfer works completely without bank accounts and saves the country’s population an often arduous journey to the next bank, provided that the people have a bank account at all. XtraPay uses Mobile Money to transfer the bonus payment to the farm workers, as this guarantees a direct and transparent payment. We make sure that the payment reaches the farm workers.