ZUMA
Prices, payment methods and delivery all follow your choice.
No market matches that search.
One balance that works in every country Zuma is live in.
Live in 21 markets · rolling out across Africa
M-Pesa, MTN MoMo, OPay, Wave, Chipper Cash
Every provider here has passed identity, licence and quality checks before being allowed to trade.
M-Pesa and Airtel interoperable
Bank transfer and OPay linked
MoMo interoperability
MTN and Airtel linked
Four-wallet interoperability
Telebirr connected
The consumer-side balance, transfers and top-ups. Merchant acceptance is Zuma Pay.
Most booked this month across our live markets.
Cross-border transfer landing in minutes, rate shown before you send.
Transfer to any Nigerian bank or wallet from anywhere Zuma is live.
Move money from M-Pesa into Zuma with no charge on the way in.
Recipient does not need Zuma. They get it in their own wallet.
Cash out to any Kenyan bank, same day before 3pm.
Send a request instead of chasing. One tap for them to pay.
Hold several currencies. Spend the right one automatically.
Lock money away for school fees or rent. Interest on balances.
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."
One balance that works in every country Zuma is live in.
Phone number and name. Full KYC only when limits require it.
⚙ Tiered-KYC account opened at the market’s entry limit
From the local rail already in the customer’s pocket.
⚙ Rail-specific collection, ledger credit on confirmation
Across every Zuma module and out to any number.
⚙ Balance check, limit check, double-entry posting
Device binding, PIN, and anomaly holds on unusual movement.
⚙ Risk engine; suspicious transfers held pending step-up auth
Pick a market to see local pricing, payment rails and cities.
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