Coverage
🇹🇿 Payments in Tanzania
Every payment method and gateway Orchestrapay has integrated for Tanzania.
Sources: Bank of Tanzania and mobile-money operator disclosures, 2024–2025.
How Tanzania pays
Tanzania is a mobile-money economy with no single monopoly: M-Pesa (Vodacom), Mixx by Yas (the former Tigo Pesa), Airtel Money and HaloPesa all hold real share. What sets Tanzania apart is that the Bank of Tanzania pushed full interoperability early — wallets settle to each other through the national TIPS (Tanzania Instant Payment System) switch, so money moves across operators directly. Cards (Visa, Mastercard) serve urban and cross-border spend but trail mobile money for everyday commerce.
The currency is the Tanzanian shilling (TZS), overseen by the Bank of Tanzania. For an enterprise merchant the work is operational — accepting all four wallets, reconciling across them, shilling settlement and FX into your base currency, and BoT licensing — which sits with our local partners. Tanzania also anchors the wider East African corridor, useful for merchants scaling across the region.
Why merchants run on us here
Every wallet, not just one
We accept M-Pesa, Mixx by Yas and Airtel Money — the operators Tanzanians actually use.
Interoperable by design
Tanzania's TIPS switch links wallets and banks, so collection and payout reach across operators.
Cards for cross-border
Visa and Mastercard with smart routing for the urban, corporate and international segment.
Shilling settlement & FX
Collect in TZS and settle in your base currency, with FX and Bank of Tanzania compliance handled by local partners.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayDigital wallets
PayPalMobile money
Orange Money
M-Pesa
Airtel MoneyExpress checkout
Apple Pay
Google PayGateways
OnafriqM-PESAAirtelPayPal
StripeStripe (Enterprise)
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Airwallex
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalPayPal Commerce
PesapalBuilt for enterprise
Everything it takes to run payments in Tanzania
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Tanzania like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Tanzania through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Tanzanian shilling (TZS) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Tanzania?
Talk to our payments team about going live in Tanzania — coverage, local acquiring, settlement and timelines for your business.