Swahili Pay

Collect offering, fees, and sales without cash.

Built for churches, schools, SACCOS, clinics, and businesses in Tanzania. Share a payment link, take card payments, or connect your system with the API — members and customers pay by mobile money or card, and you settle every night.

Payment links — no website needed Send a link on WhatsApp or SMS for tithe, school fees, SACCOS deposits, or invoices
Mobile money & cards Accept M-Pesa, Airtel Money, Mixx, Halotel, Visa, and Mastercard in one place
API for your systems Plug SwahiliPay into school, church, SACCOS, or business software with keys and webhooks

Create merchant account Sign in

SwahiliPay +255 718 · · · ·

Today · 10:15

Paid TZS 50,000 received. Time: 10:15 Ref: SP-88421 Malipo ya ada · Amina J. · M-Pesa Settles at midnight.

Paid TZS 20,000 received. Time: 09:05 Ref: SP-88435 Tithe · Airtel Money Settles at midnight.

zsh — api.swahilipay

# Create a payment link
$ curl -X POST \
  https://api.swahilipay.co.tz/api/v1/payment-links \
  -H "Authorization: Bearer sp_live_8f3a…" \
  -H "Content-Type: application/json" \
  -d '{
    "title": "Malipo ya ada — Term 1",
    "amount": 50000,
    "currency": "TZS"
  }'

HTTP/1.1 201 Created
{
  "url": "https://pay.swahilipay.co.tz/l/ada-t1",
  "status": "active"
}

Available balance Today · live

TZS 4,820,500

Collected today + TZS 312,000

Pending TZS 45,000

Tithe Offering Fees

Swahili Pay Payment receipt

Paid

TZS 10,000

Sunday offering

Merchant: Hope Chapel
Payer: Grace M.
Method: M-Pesa
Reference: SP-91001
Date: Today, 09:42
Settlement: Midnight

Thank you. Keep this as proof of payment.

Swahili Pay Payment receipt

Paid

TZS 15,000

Sabbath offering

Merchant: Sabbath Fellowship
Payer: John K.
Method: Airtel Money
Reference: SP-91014
Date: Today, 11:05
Settlement: Midnight

Thank you. Keep this as proof of payment.

Swahili Pay Payment receipt

Paid

TZS 50,000

Tithe

Merchant: City Church
Payer: Amina J.
Method: M-Pesa
Reference: SP-91028
Date: Today, 08:20
Settlement: Midnight

Thank you. Keep this as proof of payment.

Swahili Pay Payment receipt

Paid

TZS 25,000

Sadaka ya kambi

Merchant: Youth Camp 2026
Payer: Peter N.
Method: Mixx by Yas
Reference: SP-91033
Date: Yesterday, 16:48
Settlement: Midnight

Thank you. Keep this as proof of payment.

Swahili Pay Payment receipt

Paid

TZS 150,000

Malipo ya ada

Merchant: Bright Future School
Payer: Neema S.
Method: Visa
Reference: SP-91041
Date: Yesterday, 14:12
Settlement: Midnight

Thank you. Keep this as proof of payment.

Pay with mobile money or card

What it is

A simple way to collect money online

Built for everyday collections in Tanzania — offering, school fees, clinic bills, and shop sales. Customers pay the way they already do. You see every payment in one place and reconcile without counting cash.

Staff get clear records. Parents and members get proof of payment. Your finance team closes the day with a settlement report instead of a cash box.

Automatic receipts

Every successful payment is logged with amount, method, and reference so you can prove who paid.

Live collection view

Watch payments come in as they happen — useful during Sunday offering, fee week, or busy clinic hours.

Clear daily reconciliation

Match what customers paid with what settled overnight. Less chasing missing cash, fewer spreadsheet errors.

Works for teams

Cashiers, bursars, and admins can share the same workspace without handing around physical money.

Churches Schools Hospitals Retail Transport SACCOS Agencies NGOs Churches Schools Hospitals Retail Transport SACCOS Agencies NGOs

How it works

From signup to settlement — four clear steps

No long onboarding. Create an account, verify your business, start collecting, and receive settled funds every night.

Create your account

Register with your phone number in minutes. No paperwork at this stage — just open a merchant profile.
Complete KYC

Upload business documents for verification. Once approved, you can collect live payments safely.
Start collecting

Share a payment link on WhatsApp or SMS, or connect the API to your website, school, or clinic system.
Get settled nightly

Successful collections settle to your merchant account automatically at midnight — ready for the next day.

Pricing

Pay only when money comes in

One transparent rate. No monthly subscription, no setup fee, and no surprise add-ons for the core gateway.

All major mobile money M-Pesa, Airtel Money, Mixx by Yas, and Halotel

Card payments Visa and Mastercard on the same gateway

Links + API access Hosted checkout pages and REST API with webhooks

Midnight settlement Completed collections move to you every night at 00:00

Get started

Start collecting with SwahiliPay

Create a merchant account, share a payment link or connect the API, and let every successful collection settle overnight.

No monthly plan
No setup fee
Charged only on success

Create merchant account

Need volume pricing for schools or platforms? WhatsApp us after you register.

Trusted across Tanzania

Built for real businesses

Churches, schools, shops, and platforms use SwahiliPay to collect digitally and settle every night.

"Offering and tithe moved to the phone. We see every gift in the dashboard instead of counting cash after service."

Church treasurer · Dodoma

"Parents pay fees from WhatsApp links. The bursar knows who paid without chasing paper receipts."

School administrator · Dar es Salaam

"We wired the API into our shop system. Collections show up at night in our merchant account — no manual follow-up."

Retail merchant · Mwanza

FAQ

Quick answers

What is SwahiliPay?

A Tanzania payment gateway. Accept mobile money and cards via links or API; funds settle every night at midnight.

How much does it cost?

Create a merchant account and start collecting. Share a payment link or connect the API — successful collections settle every night.

Do I need a developer?

No. Payment links work without code. Use the API only if you want payments inside your own system.

Which payment methods are supported?

M-Pesa, Airtel Money, Mixx by Yas, Halotel, Visa, and Mastercard.