Amina Studio
Fashion & tailoring · Dar es Salaam
Latest saleTZS 185,000
Built for ambitious Tanzanian businesses
Accept, route,
and reconcile payments.
One API for M-Pesa, Airtel Money, and Tigo Pesa. Smart routing picks the best provider. Double-entry ledger tracks every shilling.
P
PesatrotalPayment volume
TZS 28.4M
Available balance
TZS 12.8M
Next payout · Tomorrow
62%
M-Pesa
28%
Airtel
10%
Tigo
Trusted by fast-growing startups
M-Pesa
Airtel Money
Tigo Pesa
AzamPay
Snippe
HaloPesa
Scale with confidence
Built on PostgreSQL with transactional inbox/outbox — every event is durable, retried, and never lost.
99.9%
Uptime target
Reliable infrastructure
<500ms
API latency
From Tanzania
1.5%
Per transaction
No monthly minimum
TZS
Native currency
No FX surprises
Made for local ambition
Every business deserves tools that feel world-class.
From the first sale of the day to the hundredth, Pesatrotal keeps payments moving for businesses across Tanzania.
Kahawa Corner
Coffee shop · Arusha
Latest saleTZS 72,500
Mwanza Fresh
Fresh produce · Mwanza
Latest saleTZS 96,000
Nuru Beauty
Beauty salon · Dodoma
Latest saleTZS 54,000
Representative fictional Tanzanian businesses created for this concept.
How it works
Three steps to production.
Add the API to your stack
POST /v1/collections200 OK
{
"id": "col_8a91f...",
"status": "processing",
"amount": 250000,
"currency": "TZS"
}Built for Tanzanian payments
Features so good you'll love us.
MNO
Local rails, global ambition
M-Pesa, Airtel Money, Tigo Pesa — one API. Accept what your customers already trust.
Safety
Never dual-charge
Idempotency keys, provider inbox dedup, and FSM state machines prevent duplicate charges.
Routing
Smart routing engine
Product × provider matrix picks the best provider. Override per product via env vars.
COLLECTIONAzamPay
DISBURSEMENTSnippe
MERCHANT_BILLAzamPay
Ledger
Double-entry ledger
Every event posts balanced debit/credit entries. Idempotent. Auditable. No money lost.
Payouts
Disbursements & bills
Payout to mobile wallets and banks. Bill collections. All through the same API surface.
SDK
Developer-first SDK
TypeScript, Python, cURL — consistent error shapes, idempotent requests, test-mode webhooks.
Use cases
Built for every industry.
Marketplaces
Split payments across vendors with automatic routing.
SaaS platforms
Embed collections into your billing without PCI scope.
Digital banks
Reconcile millions of M-Pesa transactions daily.
E-commerce
Accept checkout via all Tanzanian mobile wallets.
Agritech
Collect from farmers and disburse to suppliers.
Logistics
Pay drivers instantly after delivery confirmation.
Customer story
“We went from managing three provider dashboards to one API. Pesatrotal's routing engine saved us from building that ourselves.”
Amina Hassan
CTO, DukaSmart
99.9%
Uptime
Pricing
Simple pricing for everyone.
Only pay when money moves. No setup fees, no monthly minimum.
Hobby
Freetest mode
Full sandbox access. Test MNO collections with AzamPay and Snippe — no credit card.
- Full sandbox API
- Test-mode webhooks
- Dashboard access
- Community support
Standard
1.5%per transaction
Live payments. No monthly minimum — you only pay when money moves.
- Live MNO collections
- Disbursements & bills
- Priority support
- SLA guarantee
- Custom routing rules
- Dedicated onboarding
Enterprise
Customvolume pricing
High-volume operations with custom SLAs, dedicated infrastructure, and white-glove support.
- Volume discount
- Custom integrations
- Dedicated infra
- White-glove support
- Direct provider contracts
- Custom reporting
Enterprise-grade security
Your financial data is protected with the same standards used by global payment processors.
PCI DSS
TLS 1.3
HMAC-SHA256
RSA-2048
Idempotency
Audit trails
FAQ
Questions, answered.
What is Pesatrotal?
A unified payment gateway for Tanzania — merchant collections, provider orchestration, double-entry ledger, and webhooks through one API.
Which payment methods do you support?
M-Pesa, Airtel Money, Tigo Pesa, HaloPesa, T-Pesa, and AzamPesa through AzamPay and Snippe connectors.
How does routing work?
A product × provider capability matrix selects the best provider. Environment variables can boost preference. Fallback is automatic.
Is there sandbox access?
Yes. AzamPay provides a full sandbox. Test MNO collections, webhooks, and dashboard without moving real money.
How do settlements work?
The ledger tracks every transaction. Disbursements can be scheduled automatically or triggered via API. T+1 by default.
Developer first
One integration. Every payment flow.
Drop in our SDK and start collecting in minutes.
const payment = await pesatrotal.collections.create({
amount: 250000,
currency: "TZS",
msisdn: "255712345678",
network: "MPESA_TZ"
})API v2026-08 · api.pesatrotal.com