A Swahili Software product

From cash to cashless. Collect with a link, settle every night.

Churches take offering and tithe, schools collect fees, hospitals take bills, and any business can leave cash behind. Customers pay by mobile money or card. You settle at 02:00 AM.

Start collecting Sign in
check_circle Payment links check_circle Merchant API check_circle Daily 02:00 AM settlement
Payment links
REST API & webhooks
Daily 02:00 AM settlement
Built in Tanzania

Cashless collections

From cash to cashless, in any industry

The same SwahiliPay link or API replaces notes and coins — in a church, a school, a hospital, a shop, or a full system.

church

Churches

Members give offering and tithe from the phone. No cash basket, and every gift is recorded.

school

Schools

Parents pay school fees with a link or STK. The school sees who paid without counting cash.

local_hospital

Hospitals

Patients pay consultation, pharmacy, and admission by mobile money or card.

storefront

Any business

Shops, SACCOS, transport, and other industries collect cashless and settle every night.

Built for links, apps, and full systems

Start with a link in minutes, or wire SwahiliPay into the software you already run.

link

Payment links

Create a hosted checkout URL and share it by SMS, WhatsApp, or email. Customers pay without installing an app.

hub

Merchant API

Issue keys and collect from your website, mobile app, school system, or POS. Status updates arrive by webhook.

inventory_2

Product catalogs

Add products once, then attach them to a catalog link so customers pick items and pay in one flow.

verified_user

KYC workspaces

Each business submits verification documents so live collections stay tied to a real merchant.

groups

Merchant workspaces

Collections, products, links, and API keys stay scoped to the business — switch between shops from one account.

schedule

Daily auto-settlement

Every day at 02:00 AM, collected money is sent to your merchant account automatically. No manual payout request. No waiting for an operator to approve.

For developers & product teams

Not only links. Integrate SwahiliPay into your system.

If you already have a website, mobile app, school portal, or POS, you do not need to send customers to a separate page every time. Create API keys in your merchant workspace and collect from inside your own product.

payments
Start a payment from your checkout
POST /api/v1/payments from your backend. The customer pays by mobile money. You keep your own order flow.
notifications_active
Know when money lands
Poll payment status or receive a webhook when a collection completes, fails, or is pending.
vpn_key
Secure keys, scoped to your business
Issue REST credentials per merchant workspace. Optional IP allowlists keep calls on your servers only.
link
Create payment links by API too
Generate fixed, open-amount, or catalog links from code, then send the URL from your own SMS or email.
POST /payments GET /payments/{'{ref}'} /payment-links webhooks
Get API access
curl · create a collection 
curl -X POST https://gwala.swahilisoftware.com/api/v1/payments \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Accept: application/json" \
  -d '{"amount":"15000","currency":"TZS","reference":"ORDER-4821"}'

# response
{
  "status": "pending",
  "reference": "ORDER-4821",
  "message": "Ask the customer to confirm on their phone."
}

After signup you get keys, docs, and a sandbox-to-live path from the same merchant workspace.

How money moves

Collect today. We send it to your merchant account tonight.

  1. 1. Register a business and complete KYC.
  2. 2. Share a payment link — or start collections from your own system with the API.
  3. 3. Customers pay by mobile money. Completed payments show in collections.
  4. 4. Every day at 02:00 AM, funds settle to your merchant account automatically. No manual payout.
storefront
Merchants

Use links, catalogs, or the API. Track collections from one workspace.

nightlight
02:00 AM settlement

Money moves to your merchant account every night. No ticket. No operator click.

integration_instructions
Your system, our rails

Keep your checkout, orders, and receipts. SwahiliPay handles collection and nightly settlement.

Tanzania · East Africa

Ready to collect with SwahiliPay?

Create a merchant account, share a link or connect the API, and let nightly settlement do the rest.

A product of Swahili Software Development Company Limited. · www.swahilisoftware.com · +255 718 660 882

Create account Sign in