How PixPesa Works

Discover Tanzania's most advanced digital payment system - simple, secure, and free for everyday transactions.

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Simple 4-Step Process

Send and receive money in seconds with PixPesa's UPI-inspired system

1

Create Your PixPesa ID

Link your mobile number to create a unique PixPesa ID (like 0712345678@pixpesa). This becomes your payment address that works across all banks and mobile wallets.

Create PixPesa ID
2

Link Your Bank or Mobile Wallet

Connect any Tanzanian bank account or mobile money wallet (M-Pesa, Airtel Money, etc.) to your PixPesa ID. You can link multiple accounts and choose your default.

Link Bank Account
3

Send or Request Money

To send money: Enter recipient's PixPesa ID, phone number, or scan QR code. To receive: Share your PixPesa ID or generate a payment request.

Send/Receive Money
4

Confirm with PIN

Authenticate transactions with PIN or face recognition. Money transfers happen instantly with no fees (up to 3M TZS/day).

Biometric Authentication

Inspired by India's UPI Success

PixPesa brings Tanzania a payment system modeled after India's revolutionary UPI platform, adapted for Tanzania's unique financial ecosystem.

Proven at Scale

UPI processes over 10 billion transactions monthly in India - PixPesa brings this scalability to Tanzania.

Interoperability First

Like UPI, PixPesa connects all financial providers through one platform.

Government-Backed

Aligned with Bank of Tanzania's financial inclusion goals, just as UPI works with RBI.

PixPesa vs UPI

Multiple Ways to Pay

PixPesa supports all popular payment methods in Tanzania

PixPesa ID

Send money using just the recipient's PixPesa ID (0712345678@pixpesa) - no need for account details.

QR Codes

Scan merchant QR codes for instant payments at shops, markets, and businesses.

Phone Number

Send to any Tanzanian mobile number - recipient gets notified to claim funds.

Payment Links

Create and share payment links via SMS, WhatsApp, or email for easy collection.

Frequently Asked Questions

Everything you need to know about using PixPesa

Is PixPesa really free to use?

Yes! PixPesa charges zero transaction fees for payments up to 3 million TZS per day. This is significantly cheaper than traditional mobile money services that charge 3-7% per transaction.

Which banks and mobile wallets work with PixPesa?

PixPesa connects with all major Tanzanian banks (CRDB, NMB, etc.) and mobile money services (M-Pesa, Airtel Money, Tigo Pesa). We're continuously adding more partners.

How is PixPesa different from mobile money?

Unlike mobile money tied to specific telecoms, PixPesa works across all providers. It's also completely free for most transactions and offers advanced features like QR payments, invoicing, and financial tools.

What if the recipient doesn't have PixPesa?

You can send money to any Tanzanian phone number. The recipient will receive an SMS with instructions to claim the money through their mobile money account or by downloading PixPesa.

How does PixPesa make money?

PixPesa is supported by the Tanzanian government and partner financial institutions to promote financial inclusion. Premium business services and value-added features will support long-term sustainability.

Ready to Experience the Future of Payments?

Join thousands of Tanzanians who are already enjoying seamless, fee-free digital transactions with PixPesa.