What we are
A regulated wallet, payments and payout rail operating in Zimbabwe — used inside the Thuma Express group and available on its own.
About
The money layer of a rising Africa.
ThumaPay exists because moving money in Zimbabwe costs more than it should, and costs more than people are told. We are building a licensed financial platform designed to be honest about price and boring about reliability.
What we believe
A price you cannot see is a price you did not agree to. Every fee is shown before confirmation, and statutory tax is never disguised as our charge.
Who we serve
Individuals sending and receiving, drivers being paid, and businesses collecting from customers who do not all bank the same way.
Corporate structure
Who you are contracting with
ThumaPay is a distinct regulated subsidiary, not a trading name of the logistics business. That separation is deliberate and it matters legally.
| Entity | Role | Jurisdiction |
|---|---|---|
| Thuma Express Holdings, Inc. | Group holding company; owns the intellectual property | Delaware, USA |
| ThumaPay Zimbabwe (Pvt) Limited | Regulated financial services — wallet, payments, payouts | Harare, Zimbabwe |
| Thuma Express Zimbabwe (Pvt) Limited | Logistics and mobility operations | Harare, Zimbabwe |
ThumaPay Zimbabwe (Pvt) Limited also trades as ThumaCredit and ThumaShield under its licences. Your wallet contract is with ThumaPay Zimbabwe (Pvt) Limited.
Part of a group
Where ThumaPay fits
Thuma Express
Same-day and scheduled delivery. Driver earnings settle into ThumaPay wallets.
ThumaCredit
Working-capital advances for verified drivers, repaid automatically from future payouts.
ThumaShield
Cargo micro-insurance embedded in every booking, with premiums settled from wallet balance.
Thuma Hub
The physical network — drop-off points and storefronts where cash moves in and out of the wallet.
Where we stand
Regulatory status
Reserve Bank of Zimbabwe
Payment Service Provider (PSP)
National Payment Systems Act [Chapter 24:23]
Reserve Bank of Zimbabwe
Electronic Money Issuer (EMI)
National Payment Systems Act [Chapter 24:23]
Reserve Bank of Zimbabwe
Microfinance licence
Microfinance Act [Chapter 24:29]
IPEC
Insurance agent registration
Insurance Act [Chapter 24:07]
Reserve Bank of Zimbabwe
Deposit-Taking Microfinance (DTMFI)
Microfinance Act [Chapter 24:29]
ThumaPay Zimbabwe (Pvt) Limited does not currently hold customer funds and does not offer regulated financial services. Each service described on this site will be made available only after the relevant authorisation has been granted. Licence references will be published here as they are issued.
Contact
Talk to us
Press, partnerships, regulatory correspondence and anything that does not belong in a support queue.
hello@thumapay.com
+1 (302) 272-5696
Harare, Zimbabwe
Registered entity
ThumaPay Zimbabwe (Pvt) Limited
Harare, Zimbabwe
A subsidiary of Thuma Express Holdings, Inc.
Delaware C Corporation · File No. 10709156
Incorporated 23 July 2026
2093 Philadelphia Pike, Suite #1252,
Claymont, DE 19703, USA
Move money the honest way
Open a wallet, or bring your business onto a rail that reconciles without a fight.