Payments infrastructure · East Africa
One API for every way East Africa pays.
Accept and send money in 19 countries with mobile money, cards, bank transfers, USSD and stablecoins, settled in 20 currencies.
Customers pay with
- M-Pesa
- telebirr
- MTN MoMo
- Airtel Money
- EVC Plus
- Orange Money
- Mixx by Yas
- EcoCash
- MVola
- Visa
- Mastercard
- USDT
- USDC
- M-Pesa
- telebirr
- MTN MoMo
- Airtel Money
- EVC Plus
- Orange Money
- Mixx by Yas
- EcoCash
- MVola
- Visa
- Mastercard
- USDT
- USDC
Why Zafivo
A region that pays by phone, on dozens of separate rails.
East Africa is where mobile money began. Every country has its own wallets, currencies, rules and settlement cycles. Zafivo turns all of them into one.
Without Zafivo
- A contract and an integration with every operator, in every country
- Different APIs, callbacks and error codes for each wallet
- Settlement files reconciled by hand, one operator at a time
- Months of work before each new market
With Zafivo
- One contract and one API for 19 countries
- One request format, one webhook format, one set of errors
- One dashboard and one settlement report for every market
- A new country is a new currency code, not a new project
Products
Everything from the first request to settlement.
Collections
Accept every way East Africa pays.
Mobile money prompts on the customer's phone, cards with 3-D Secure, bank transfers and USSD. Zafivo picks the right operator from the phone number.
Learn morePayouts
Send money to any wallet or bank.
One payout or a file of thousands, to mobile wallets and bank accounts, with a status for every line.
Learn moreCheckout and payment links
Get paid without writing code.
A hosted payment page in your brand and links you can share in a chat, an invoice or a bio.
Learn moreRecurring payments
Subscriptions and instalments.
Scheduled charges with reminders and smart retries, and scheduled payouts for salaries and partners.
Learn moreMulti-currency balances
Hold, convert and settle.
Balances in local currencies and US dollars, converted when you choose and settled where you choose.
Learn moreSettlement and reconciliation
Every payment matched to its settlement.
Settlement on a fixed schedule with one report across every country and operator.
Learn moreCoverage
19 countries. One integration.
From the Horn of Africa to the Indian Ocean islands, in every local currency and in US dollars.
Horn of Africa
Djibouti · Eritrea · Ethiopia · Somalia · South Sudan
East Africa and the Great Lakes
Burundi · DR Congo · Kenya · Rwanda · Tanzania · Uganda
Southern East Africa
Malawi · Mozambique · Zambia · Zimbabwe
Indian Ocean
Comoros · Madagascar · Mauritius · Seychelles
Developers
Integrate in an afternoon.
A REST API with JSON, clear errors and signed webhooks for every change. Build in the sandbox, then switch one key to go live.
One format. The same request in every country: change the currency and the number.
Safe retries. Idempotency keys stop double charges, even on bad networks.
Real sandbox. Test numbers and cards that behave like every operator.
# Request a mobile money payment in Ethiopiacurl https://api.zafivo.com/v1/payments \-H "Authorization: Bearer sk_test_…" \-H "Idempotency-Key: 7f3c9a" \-d amount=150000 -d currency=ETB \-d method=mobile_money -d phone=+2519XXXXXXXX
201 Created
{"id": "pay_8Hq2Lx","status": "pending","provider": "telebirr","amount": 150000, "currency": "ETB"}
Crypto API
Digital assets, connected to local money.
Custodial and non-custodial wallets, stablecoin payments and payouts, and the bridge between USDT, USDC and the mobile money people already use.
Custodial wallets
Zafivo secures the keys with multi-party computation and cold storage. You set limits and approvals.
Non-custodial wallets
Your users hold their own keys. Our wallet kit creates wallets and signs on the device.
On-ramp and off-ramp
Buy stablecoins with mobile money; cash out to M-Pesa, telebirr or EVC Plus.
Security
Built to protect every payment.
Encrypted end to end
TLS on every connection, data encrypted at rest.
Merchant funds kept apart
Held with licensed banks and operators, never mixed with ours.
Fraud checks in real time
Rules on amount, speed, device and location.
Every change logged
Two-factor sign-in, team roles and a full audit trail.
Ready to get paid across East Africa?
Tell us where you sell and how your customers pay. We will show you how one integration covers all 19 countries.