Karibu — payments infrastructure for East Africa

One gateway.
Every way to pay.

M-Pesa, Tigo Pesa, Airtel Money, HaloPesa, cards and bank transfers — live in Tanzania today, with SafarisPay built to serve businesses across East Africa.

  • Salama. Bank-grade encryption on every transaction.
  • Haraka. Money confirmed and settled in seconds.
  • Rahisi. No code to start — or plug straight into our API.

Your dashboard, at a glance

Every charge, every channel, reconciled automatically.

Zawadi Mama Foods · Dashboard Aug 2

TZS 1,113,500

Settled this week

5

Transactions, last 7 days

3/5

Settled — 2 pending

DateCustomerMethodAmountStatus
Aug 2A. MwakalingaM-Pesa TZS 45,000 Settled
Aug 2Zanzibar Coffee Co.Card TZS 128,500 Settled
Aug 1J. KimaroTigo Pesa TZS 12,000 Pending
Aug 1Mlimani HardwareBank transfer TZS 940,000 Settled
Jul 31F. NdosiAirtel Money TZS 8,500 Pending

Settlements · last 7 days

How it works

  1. 1

    Customer pays

    They enter their phone number or card at your checkout and confirm on their device.

  2. 2

    SafarisPay routes and confirms

    We talk to the mobile network or card scheme, confirm the charge, and fire a webhook to your server.

  3. 3

    Merchant is settled

    Funds land in your settlement account on schedule. No manual reconciliation.

Ways to pay

Every way your customers can pay you.

M-Pesa

Customer confirms on their phone. Charge is direct to a Vodacom M-Pesa wallet.

Tigo Pesa

Direct to a Mixx by Yas wallet, confirmed on the customer's phone.

Airtel Money

Direct to an Airtel Money wallet, confirmed on the customer's phone.

HaloPesa

Direct to a HaloPesa (Halotel) wallet, confirmed on the customer's phone.

Visa

Hosted, PCI-DSS Level 1 checkout page — card details never touch our servers.

Mastercard

Same hosted checkout page as Visa, PCI-DSS Level 1 certified.

Bank transfer

Direct debit from CRDB or NMB — customer generates a one-time USSD code, enters it at checkout.

Bitcoin

Customer pays in BTC; settles to your account in TZS at the prevailing rate.

USDT

TRC20 and ERC20 accepted; settles to your account in TZS at the prevailing rate.

Built for

  • Retail shops
  • Wholesalers
  • Tour operators
  • Schools
  • Churches & NGOs
  • Freelancers
  • Online sellers

Built for developers

Send a request, get a webhook. That's the whole integration.

# create a charge
curl -X POST https://api.safarispay.com/v1/charges \
  -H "Authorization: Bearer sk_live_8fA2c9..." \
  -H "Idempotency-Key: 7c9e-4b3a-2e11" \
  -d amount=250000 \
  -d currency=TZS \
  -d method=mpesa \
  -d phone=+255712345678

Webhook — charge.settled

{
  "event": "charge.settled",
  "id": "ch_8f2ad61c",
  "amount": 250000,
  "currency": "TZS",
  "status": "settled",
  "settled_at": "2026-08-02T14:31:09Z"
}

Pricing

You only pay when a charge succeeds. No setup fee, no monthly fee, no surprises.

Starter

For new businesses testing the waters.

2.9% + TZS 200

  • M-Pesa, Tigo Pesa, Airtel Money, HaloPesa
  • Visa & Mastercard
  • Test and live API keys
  • Email support
Sign up

Scale

For platforms processing at volume.

Custom

  • Everything in Growth
  • Volume-based pricing
  • Dedicated settlement account manager
  • SLA-backed uptime
Talk to sales

Salama

Built to be trusted

Settlement timing

Our settlement target is the next business day, tracked line by line in your dashboard.

Uptime

We haven't published measured uptime numbers yet. A public status page is planned — this section will be updated with real figures once it's live.

Encryption

TLS 1.3 in transit, AES-256 at rest. Secrets are hashed, never stored or logged in plain text.

PCI-DSS

Card details are collected on our payment processor's own hosted, PCI-DSS Level 1 certified checkout page — SafarisPay's servers never receive or store raw card numbers.

Bank of Tanzania

Payments are processed through a licensed payment service provider regulated by the Bank of Tanzania under the National Payment Systems Act. Merchant funds are held in regulated settlement accounts.

Frequently asked questions

What payment methods can I accept with SafarisPay?

M-Pesa, Tigo Pesa, Airtel Money, HaloPesa, Visa and Mastercard, direct bank transfer via CRDB and NMB, plus Bitcoin and USDT (TRC20 and ERC20), settled to your account in TZS.

How fast do I get paid?

Our settlement target is the next business day. This is a target, not a contractual SLA, unless you are on the Scale plan.

How much does SafarisPay cost?

Starter is 2.9% + TZS 200 per successful charge with no setup or monthly fee. Growth is 2.5% + TZS 150 for merchants with steady volume. Scale is custom pricing for platforms processing at volume.

Is my customers' card data safe?

Card details are collected on our payment processor's own hosted, PCI-DSS Level 1 certified checkout page. SafarisPay's servers never receive or store raw card numbers.

Do I need to be a developer to use SafarisPay?

No. You can accept payments through your dashboard with no code. If you want to integrate charges into your own website or app, an API is available.

Is SafarisPay regulated?

Payments are processed through a licensed payment service provider regulated by the Bank of Tanzania under the National Payment Systems Act. Merchant funds are held in regulated settlement accounts.

Which countries can I sign up from?

Live payment processing is available in Tanzania today. Merchants in Kenya, Uganda, Rwanda, Burundi and South Sudan can create an account now and will be notified when processing launches in their country.

Start accepting payments today

Get sandbox keys in minutes. No paperwork until you're ready to go live.