Transparent pricing, no surprises

MALIPOPAY Plans

Choose the plan that fits your business. Simple, predictable pricing with no hidden fees.

Standard

Pay as you go

For businesses getting started with digital payments.

Collections

2.5% + MNO fee

Disbursements & Refunds

From TZS 500 banded

Settlement to your bank

Free

Create account

*We charge a fixed 2.5% fee on collections. Payouts are a flat fee set by the amount. See the fees page for the full breakdown. All fees are exclusive of applicable taxes and levies.

Enterprise

Custom pricing

For high-volume businesses that need premium onboarding, dedicated account management, and priority support.

Collections & Disbursements

Custom

Settlements

Priority

Dedicated account manager
Custom integration support
Volume-based discounts
SLA guarantees

Contact Sales

What's included

Every MALIPOPAY account comes with everything you need to accept and manage payments.

Merchant API

RESTful API with SDKs for quick integration into your platform.

Single Integration

One integration for all MNOs, banks, and card networks.

Centralised Dashboard

Real-time analytics, transaction monitoring, and reporting.

TRA/EFD Compliance

Built-in TRA fiscal receipting and EFD compliance tools.

GePG Payments

Government Electronic Payment Gateway integration for public service payments at 2.5%.

LUKU Prepaid

TANESCO LUKU prepaid electricity token purchases at 2.5% per transaction.

USSD & Payment Links

Accept payments via *146*08# USSD and shareable payment links.

Card Payments

Accept Visa, Mastercard, UnionPay, and Amex at 3% per transaction.

24/7 Support

Round-the-clock technical and merchant support.

From Test Sandbox to Live

Every new account — business or developer — starts in Test Sandbox with real MNO sandbox credentials. Submit KYC through your merchant dashboard to unlock full production volume.

Default

Test Sandbox

Build and test against real MNO sandbox credentials. Capped daily limits — no KYC required to start.

Whitelisted phone numbers

Up to 3

Daily collections cap

TZS 100,000

Daily disbursements cap

TZS 100,000

Real MNO sandbox credentials across all 5 networks
Same API, dashboard, and webhooks as Live
Daily caps reset at midnight (Africa/Dar es Salaam)

Create account

*Collections and disbursements have independent daily caps.

After KYC

Live

Submit KYC through your merchant dashboard. Admin review unlocks full production volume across every channel.

Daily transaction volume

Unlimited*

Channels unlocked

All 5 MNOs + 2 banks

Typical review time

24–48 hours

Submit KYC documents via your merchant dashboard
Admin reviews and approves your account
Sandbox caps removed instantly on approval

Talk to sales

*Subject to per-channel MNO limits — see MNO Tariffs below.

MNO Tariffs

Mobile network operator rates for collections and disbursements

Provider	Collection Rate	Disbursement Rate	Min / Max Txn
M-Pesa (Vodacom)	2.5%	Banded, from TZS 500	TZS 1,000 – TZS 5,000,000
Mixx by YAS (Tigo)	2.5%	Banded, from TZS 500	TZS 1,000 – TZS 5,000,000
Airtel Money	2.5%	Banded, from TZS 500	TZS 1,000 – TZS 3,000,000
Halopesa (Halotel)	2.5%	Banded, from TZS 500	TZS 1,000 – TZS 3,000,000
T-Pesa (TTCL)	2.5%	Banded, from TZS 500	TZS 1,000 – TZS 3,000,000

Bank Tariffs

Bank collection and disbursement rates

Provider	Collection Rate	Disbursement Rate	Channels
CRDB Bank	2.5%	Banded, from TZS 2,500	Simbanking, Wakala, Internet Banking, Branch
NMB Bank	2.5%	Banded, from TZS 2,500	NMB Direct, Wakala, Mobile, Branch

Disbursement Tariff

What you pay to send money out. A flat fee per successful payout, set by the amount.

Mobile money

Payout amount (TZS)	Fee (TZS)
5,000 to 49,999	500
50,000 to 99,999	1,000
100,000 to 199,999	1,700
200,000 to 499,999	2,500
500,000 to 999,999	5,000
1,000,000 to 2,999,999	5,500
3,000,000 and above	7,000

Minimum payout TZS 5,000. The fee never exceeds TZS 7,000.

Bank transfers

Payout amount (TZS)	Fee (TZS)
10,000 to 499,999	2,500
500,000 to 999,999	5,000
1,000,000 to 2,999,999	6,500
3,000,000 and above	8,000

Minimum payout TZS 10,000. The fee never exceeds TZS 8,000.

All Malipopay fees are exclusive of applicable taxes and levies. Taxes, levies and other charges required under Tanzanian law are applied in addition where they arise.

Other Services

GePG, LUKU, and card payment rates

Service	Rate	Description	Note
GePG Payment	2.5%	Government Electronic Payment Gateway for public service payments	Unless otherwise agreed
LUKU Prepaid	2.5%	TANESCO prepaid electricity token purchases	Unless otherwise agreed
Lipa Number / Till	2.5%	Lipa number and till-based collection payments	Standard rate
Card Payments	3%	Visa, Mastercard, UnionPay, American Express	Standard rate

Frequently Asked Questions

Everything you need to know about our pricing and payments

How do I get started?

Create your free MALIPOPAY account, complete KYC verification, and integrate using our Merchant API. You can start accepting payments within 24 hours of approval.

What are your fees?

We charge a flat 2.5% fee on all MNO and bank collections, plus the applicable MNO network fee, taken at the moment the payment is received so your wallet balance is always what you keep. Card payments are charged at 3%. Disbursements are charged as a flat fee set by the amount you send, starting at TZS 500 for mobile money and TZS 2,500 for bank transfers, and capped at TZS 7,000 and TZS 8,000 respectively. See the tariff tables below. Settling your balance to your own bank account is free. No hidden fees, no monthly minimums.

Which MNOs and banks do you support?

We support all major Tanzanian MNOs: M-Pesa (Vodacom), Mixx by YAS (Tigo), Airtel Money, Halopesa (Halotel), and T-Pesa (TTCL). For banks, we support CRDB Bank and NMB Bank with multiple channels including Simbanking, Wakala, and Internet Banking.

How long do settlements take?

MNO collections are settled within T+1 (next business day). Bank transfers are typically settled same day for transactions before the cut-off time. Enterprise clients can negotiate faster settlement terms.

Do you offer card payments?

Yes. We support Visa, Mastercard, UnionPay, and American Express at a flat 3% rate. Card channel activation requires a one-time setup fee of TZS 150,000.

Are there transaction limits?

Transaction limits vary by MNO. M-Pesa and Mixx support up to TZS 5,000,000 per transaction, while Airtel, Halopesa, and T-Pesa support up to TZS 3,000,000. All providers have a minimum of TZS 1,000. Enterprise clients can request higher limits.

Start Accepting Payments Today

Create your free account and start processing payments at the lowest rates in Tanzania.

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