How to accept mobile money payments in Tanzania
Your customers in Tanzania pay with Airtel Money, Tigo Pesa, HaloPesa, and Vodafone Cash from their phone. Here is what is live today, what it costs and the fastest way to start, with or without code.
Updated October 7, 2026
What is live in Tanzania today
Collections
- Airtel MoneyLive
- Tigo PesaLive
- HaloPesaLive
- Vodafone CashLive
Currency: TZS · Fee: 4% per successful collection
Payouts
- Airtel MoneyLive
- Tigo PesaLive
- HaloPesaLive
- M-PesaLive
- Ezy PesaLive
What your customer does
- Opens your payment link or the checkout in your app and picks mobile money.
- Enters the phone number that holds their mobile money wallet.
- Approves the prompt that appears on their phone.
- Sees a confirmation with a receipt reference, while you get the payment in your dashboard and a signed webhook.
Tips for more successful payments
- Ask for the number that holds the mobile money wallet, not just any phone number the customer owns.
- Tell customers to keep their phone close: the approval prompt arrives within seconds and expires if it is ignored.
- Each network sets its own minimum and maximum amounts, so a very small payment can be refused by the network itself.
Step by step
- 1Create a free accountSign up and your sandbox is ready straight away: test keys, test payment links and a simulator that plays the payer. No paperwork.
- 2Verify your businessLive payments open after business verification: registration documents and beneficial owners, screened against sanctions lists and approved by two people.
- 3Choose how you collectNo code: create a payment link in the dashboard and share it. With code: create collections from your own app through the API.
- 4Get your balanceCompleted payments land in your balance and are available within a minute. Only your first live payment waits 0 hours.
Frequently asked questions
How much does it cost to accept mobile money in Tanzania?
4% per successful collection in TZS, with no setup fee and no monthly fee. Your exact fee schedule is shown in the dashboard before you go live, and every payment carries its full fee breakdown.
Which mobile money networks can my customers use?
Live today: Airtel Money, Tigo Pesa, HaloPesa, and Vodafone Cash.
Can I pay out to mobile wallets in Tanzania?
Yes. Payouts are live via Airtel Money, Tigo Pesa, HaloPesa, M-Pesa, and Ezy Pesa.
Do I need a website to get paid?
No. A payment link works from WhatsApp, social media, SMS or an invoice. Your customer opens it, enters their number and approves on their phone. The checkout page is available in 23 languages.
How fast can I start?
The sandbox is available as soon as you sign up. Live payments open once your business verification is approved.
Related guides
Start in the sandbox today
Free, unlimited and open the moment you sign up. Live payments open after business verification.