In person
Show a QR code or send a payment request to a phone number. The customer confirms in their app and you see it land immediately.
For business
Take payments. Pay people. Reconcile once.
Collect from customers however they pay, settle on a schedule you can plan around, and push bulk payouts to staff, drivers or suppliers — all against one ledger that actually balances.
Predictable settlement
Bulk payouts
Itemised reconciliation
Settlement summary
Example
Collected (142 payments)$3,480.00
ThumaPay fee$41.76
Refunds processed-$120.00
Settling to your bank$3,318.24
Every settlement arrives with the transaction list that produced it, so the figure on your bank statement can be traced back to individual payments without manual matching.
Collect
However your customers want to pay
Online
Drop a checkout into your site or app with a few lines of code, or send a hosted payment link if you have no site at all.
On account
Invoice regular customers and let them settle from their wallet, with reminders that do not need chasing by phone.
Pay out
Paying a lot of people at once
Built first for Thuma's own driver network, then opened up — because paying fifty people individually is where most finance teams lose their afternoon.
Bulk payouts
Upload a file or call the API once. Each recipient is paid to their wallet, mobile money or bank, and failures are reported per line rather than failing the batch.
On a schedule
Set payroll or commission runs to repeat. Approvals are required before money moves, and the approver is recorded.
Full audit trail
Every payout carries who authorised it, when, and what it cost, which is what an auditor will ask for.
Reconciliation
Numbers that tie out
| What you get | Why it matters |
|---|---|
| Per-payment records | Each settlement links to the individual payments behind it, so you are never reverse-engineering a lump sum. |
| Separated fees | Our fee and statutory tax appear as distinct lines, which is what your accountant needs for VAT and expense treatment. |
| Stable references | Reference numbers do not change between authorisation and settlement, so matching is deterministic. |
| Exports | CSV and API export for any date range, formatted to import into standard accounting packages. |
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.
Get set up
Tell us what you need to collect
Onboarding a business takes longer than a personal wallet because we verify the company and the people behind it. Send us the basics and we will tell you exactly what documents to prepare.
RetailTransportServices
E-commerceNGO
This form is a guide to what we will ask. Email us the same details and a person will reply — we do not route business enquiries through a bot.
Start taking payments
Tell us what you sell and how you get paid today. We will map it to the shortest route that keeps your reconciliation clean.