ZUMA
Prices, payment methods and delivery all follow your choice.
No market matches that search.
Accept money from anyone in Africa, on any rail.
Live in 21 markets · rolling out across Africa
Flutterwave, Paystack, M-Pesa Till, Fawry
Every provider here has passed identity, licence and quality checks before being allowed to trade.
Verified merchants across 21 markets
SME till and QR acceptance
Online checkout for Nigerian merchants
Market traders on mobile money
Small business payment onboarding
Card and EFT acceptance
Merchant-side acceptance and settlement. The consumer balance is Zuma Wallet; borrowing is Zuma Loans.
Most booked this month across our live markets.
Get a Zuma till accepting M-Pesa, Airtel Money and card in one QR. Same-day settlement.
Take MoMo from any Ugandan customer without a POS terminal.
Drop-in checkout accepting OPay, bank transfer, card and USSD.
Print one QR. Customers pay from any wallet in your market.
Send a link, get paid. No website needed.
Customers without data can still pay you by dialling a short code.
Portable card machine with monthly rental and no setup fee.
Charge monthly customers automatically with retry logic.
20 listings across 3 categories.
★★★★★"I run a shop in Kariobangi. I take payments, order stock and pay my supplier without leaving the app. That used to be three apps and a bank queue."
★★★★★"I moved from okada riding to running two bikes on Zuma. The credit score from my trips got me the loan for the second one."
★★★★★"We list our lodge on Zuma Safaris and get bookings direct. No agent taking thirty percent before we see the money."
★★★★★"My mother in Mbale gets her blood pressure tablets delivered every month. I pay from Kampala. She never has to travel."
★★★★★"I sell 40 crates of tomatoes a week through Zuma Agriculture. The price is agreed before I harvest, so I stop guessing."
★★★★★"Rent, deposit and lease all went through the app. I never handed cash to an agent I had never met."
★★★★★"Our restaurant does delivery and table bookings from one dashboard. Payouts land on Friday without me chasing anyone."
★★★★★"I found my job on Zuma. No one asked me for an application fee, which is why I trusted it."
Accept money from anyone in Africa, on any rail.
Business name, category, and the payout account money should land in.
⚙ Merchant record created, sandbox keys issued
KYB against the market’s regulatory requirements before live keys.
⚙ KYB checks, sanctions screen, regulator-specific rules per country
QR, link, checkout, USSD or terminal — whatever the customers actually use locally.
⚙ Rails enabled per country from the payment_rails matrix
M-Pesa, MoMo, OPay, Wave, card — the customer never learns a new habit.
⚙ Rail routed, idempotency key held, retries on timeout
Merchant notified in seconds; funds settle on the agreed cycle.
⚙ Ledger double-entry, settlement batch, webhook to merchant
Pick a market to see local pricing, payment rails and cities.
Each of these has a live page and a waitlist — join it and you help decide the order.