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Become a Merchant
Personal
Banking, ID and services — in one wallet.
Everything you need as a citizen, parent, student or worker.
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Wallet
Send, receive, pay bills, scan QR.
Dual ZWG + USD balances with one-tap switching at the live RBZ mid-rate.
Send to any Zimbabwean phone number, NetPayIQ handle or QR code in seconds.
Pay 200+ billers — ZESA, ZINWA, DStv, Liquid, TelOne — direct from the wallet.
Full statement export to PDF or CSV for personal record keeping.
National QR
Pay anywhere — vendors, taxis, schools, clinics.
Single national QR standard interoperable across all banks and mobile money.
Works offline-first: scans queue locally and settle the moment connectivity returns.
Merchant amount or customer-entered amount, with tip support for hospitality.
Each scan produces a tamper-proof e-receipt stored in your wallet history.
AI Assistant
Spend insights, savings goals, voice in Shona/Ndebele.
Voice-first assistant fluent in English, Shona and Ndebele — speak naturally.
Weekly spending breakdown by category with proactive overspend warnings.
Smart savings: auto-rounds purchases and sweeps the change into your goal.
Negotiates bill timing and recommends cheaper bundles based on your usage.
Education
School fees, certificates, student wallet.
Pay tuition directly to 18,000+ schools and tertiary institutions.
Term-fee savings vaults with auto-debit and zero monthly fees.
Student wallets with parent-controlled spending limits and merchant categories.
Verifiable certificates and transcripts stored in your ID vault.
Health
Medical aid, appointments, pharmacy.
Digital CIMAS, PSMAS and First Mutual cards — no more plastic to lose.
Book GP, dentist and specialist appointments at 600+ clinics.
Repeat-prescription pharmacy delivery to your door.
All medical records encrypted; you choose every doctor that can view them.
Mobility
Ryda, public transport, fuel, parking.
Ryda ride-hailing across Harare, Bulawayo, Mutare and Vic Falls.
Kombi & ZUPCO tap-and-go passes with weekly and monthly bundles.
Pre-pay fuel litres at Total, Puma, Zuva and Engen at locked-in prices.
City parking and ZINARA tolls paid automatically as you drive.
Tickets
Concerts, sports, bus, cinema.
Cryptographically signed tickets that can't be cloned or scalped.
Concerts, festivals, Warriors matches, intercity bus and cinema in one place.
Resale marketplace with a fair-price ceiling to stop scalping.
Friends-and-family transfers with a single tap.
Savings & Invest
Goals, group savings, bonds.
Named savings goals with progress nudges and auto-top-up rules.
Group savings (mukando / stokvel) with transparent rotation schedules.
RBZ Treasury Bills and corporate bonds from as little as ZWG 100.
Interest paid daily, statements available on demand.
Chat & Social
Pay and shop inside chat.
Send money inside conversations — no copy-paste of phone numbers.
Split a kombi, a bar tab or a grocery run in two taps.
Merchant chat shops with catalog, order and pay in the same thread.
End-to-end encrypted messages; payment metadata never leaves your device.