Zuma is live in: All markets →
Finance · module

💳 Zuma Pay

Receive, send and save money. Deposit from mobile money or bank, cash out to mobile money or bank — with a PIN, limits and a full ledger.

Merchant-side acceptance and settlement. The consumer balance is Zuma Wallet; borrowing is Zuma Loans.

Open Zuma Pay →All modulesBenchmarked against Flutterwave, Paystack, M-Pesa Till, Fawry

Functions & services (28)

Accept payments

QR code at the tillcommissionPayment link / invoicecommissionOnline checkout & APIcommissionUSSD payment (no smartphone)commissionCard terminal / POSsubscriptionRecurring billing & subscriptionscommission

Receive money

Pay link & QR codefreeRequest moneyfreeDeposit from mobile moneyfreeDeposit from bankfree

Send money

Send to a Zuma user (free)freeSend to mobile moneyfeeSend to bank accountfeePay a bill or merchant QRfree

Save money

Savings pockets & goalsfreeAuto-save on every depositfreeLocked savings with interestfree

Security

Transaction PINfreeID verification (KYC tiers)freeStatements & audit trailfree

Get paid out

Same-day mobile money settlementfixed · KYC Bank settlementfixed · KYC Multi-currency settlementcommission · KYC Split payouts to partnerscommission · KYC

Business tools

Sales dashboard & reconciliationsubscriptionStaff tills with permissionssubscriptionRefunds & dispute handlingcommissionTax-ready statementssubscription

How it works

1Register the business
Business name, category, and the payout account money should land in.Provider · Merchant record created, sandbox keys issued
2Verify and license-check
KYB against the market’s regulatory requirements before live keys.Zuma · KYB checks, sanctions screen, regulator-specific rules per country
3Choose acceptance methods
QR, link, checkout, USSD or terminal — whatever the customers actually use locally.Provider · Rails enabled per country from the payment_rails matrix
4Pay on a familiar rail
M-Pesa, MoMo, OPay, Wave, card — the customer never learns a new habit.Customer · Rail routed, idempotency key held, retries on timeout
5Confirm, settle, reconcile
Merchant notified in seconds; funds settle on the agreed cycle.Zuma · Ledger double-entry, settlement batch, webhook to merchant

Listings · live in your market

💳Accept M-Pesa Payments Till Number KenyaAccept payments 0/transaction💳Accept MTN MoMo Payments Uganda BusinessAccept payments 0/transaction💳Payment Gateway Nigeria Online CheckoutAccept payments 0/transaction💳QR Code Payment for Small Business AfricaAccept payments 0/transaction💳Payment Link Send Invoice WhatsAppAccept payments 0/transaction💳USSD Payment No Smartphone RequiredAccept payments 0/transaction💳Card POS Terminal Rental KenyaAccept payments 3,500/month💳Recurring Billing Subscription PaymentsAccept payments 0/transaction💳Same Day Mobile Money SettlementGet paid out 0/payout💳Multi Currency Settlement AfricaGet paid out 0/payout💳Split Payment Payout to PartnersGet paid out 0/payout💳Bank Settlement Account Payout NigeriaGet paid out 0/payout
Open Zuma Pay →

Related modules

📊 Zuma Budget🤝 Zuma Lenders🏦 Zuma Loans