Live on paymet.co.tz

Payment Infrastructure
Built for Africa

Accept mobile money, process payouts, and manage your entire payments stack with one powerful API. Built for Tanzania, designed for the continent.

Start for free → View the API

M-Pesa · Selcom ✓ Paid

TZS 150,000

Kredo Finance — Invoice #3841

1.4s

Settlement

1.2%

Fee

Vodacom · USSD Processing

TZS 85,000

TotoCare — Subscription

0.0s

Elapsed

Push

Method

Platform revenue This month

TZS 0

+24% from last month

Transactions

99.8%

Uptime

Everything you need

One API. Every payment method.

From mobile money to bank transfers — PAYMET connects you to Tanzania's payment ecosystem through a single, developer-friendly integration.

📱

Mobile Money Push

Trigger USSD push requests to Selcom, M-Pesa, Airtel, and Tigo wallets. Customers confirm on their phones — no redirects.

⚡

Real-time Webhooks

Instant event delivery with 7-step exponential retry, HMAC signature verification, and full delivery history in your dashboard.

🔑

API Key Management

Environment-scoped keys, one-time secret reveal, rotation without downtime. SHA-256 hashed at rest — never stored in plain text.

💼

Merchant Wallets

Five balance buckets — available, pending, settled, held, reserve. Settlement requests with configurable approval workflows.

🔒

Enterprise Security

Replay attack prevention with 5-minute timestamp windows, IP whitelisting, AES-256 credential encryption, and 2FA for all accounts.

📊

Flexible Fee Engine

Per-merchant fee configs with percentage, flat, and hybrid models. Global defaults plus per-merchant overrides from the admin panel.

Payment flow

From API call to settled funds in seconds

Create an order

POST to /v1/payments with amount, currency, and customer phone. We return an order ID instantly.

Customer confirms

A USSD push request reaches the customer's mobile wallet. They enter their PIN. No app install, no redirect, no friction.

Webhook fires

Within seconds, we POST a signed webhook to your endpoint. Funds land in your merchant wallet. Retry logic handles any delivery issues.

// Install: npm install paymet-node
import { Paymet } from 'paymet-node';

const paymet = new Paymet({
  apiKey: 'pk_live_...',
  secretKey: 'sk_live_...',
});

const payment = await paymet.payments.create({
  amount: 150000,
  currency: 'TZS',
  customerPhone: '255712345678',
  merchantReference: 'INV-3841',
});

console.log(payment.id); // txn_...

// composer require paymet/paymet-php
use Paymet\PaymetClient;

$paymet = new PaymetClient([
  'api_key'    => 'pk_live_...',
  'secret_key' => 'sk_live_...',
]);

$payment = $paymet->payments->create([
  'amount'    => 150000,
  'currency'  => 'TZS',
  'phone'     => '255712345678',
]);

echo $payment->id;

curl -X POST https://paymet.co.tz/api/v1/payments \
  -H "x-api-key: pk_live_..." \
  -H "x-secret-key: sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 150000,
    "currency": "TZS",
    "customerPhone": "255712345678",
    "merchantReference": "INV-3841"
  }'

Supported networks

Every major Tanzanian payment network

Built on Selcom's Checkout API today, with Stripe, Flutterwave, and more providers on the roadmap — same integration, new networks drop in.

Selcom / M-Pesa

Vodacom M-Pesa

Airtel Money

Tigo Pesa

Stripe (soon)

Flutterwave (soon)

CRDB Bank (soon)

NMB Bank (soon)

Simple pricing

Pay as you grow

No setup fees, no monthly minimums on the Starter plan. Upgrade when you're ready.

Starter

Free

Perfect for testing and early-stage products. No credit card required.

✓ Up to 100 transactions/month
✓ Selcom / M-Pesa integration
✓ Webhook delivery + retry
✓ API key management
– Custom fee configs
– Priority support

Get started free

Payment InfrastructureBuilt for Africa