How PixPesa Works
Discover Tanzania's most advanced digital payment system - simple, secure, and free for everyday transactions.
Get StartedSimple 4-Step Process
Send and receive money in seconds with PixPesa's UPI-inspired system
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.
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.
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.
Confirm with PIN
Authenticate transactions with PIN or face recognition. Money transfers happen instantly with no fees (up to 3M TZS/day).
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.
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
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.
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.
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.
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.
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.