Storefronts, payment links, fundraising and payouts - powered by mobile money, cards and bank QR across Tanzania.

Storefronts
Payment links
Fundraising
Invoices & receipts
Bulk SMS campaigns
Product catalogues
WhatsApp inbox
Email support
Storefronts
Payment links
Fundraising
Invoices & receipts
Bulk SMS campaigns
Product catalogues
WhatsApp inbox
Email support
M-Pesa collections
Airtel Money collections
Card payments
Bank & QR payments
RafikiSMS campaigns
WhatsApp messages
Wallet & payouts
Fee reports
M-Pesa collections
Airtel Money collections
Card payments
Bank & QR payments
RafikiSMS campaigns
WhatsApp messages
Wallet & payouts
Fee reports
WhatsApp Agent
RafikiSMS Agent
Email Agent
Slack Agent
Add new agent
Connect a channel
Set response rules
Configure handoff
Assign your team
Agent settings
Pause an agent

Every customer message,autonomously handled.

RafikiPesa reads, replies, and takes action across your inboxes—using full business context to resolve requests or hand complex work to your team.

01

Every channel covered

RafikiPesa works with mobile money, cards, bank QR, RafikiSMS, WhatsApp, email, storefronts and payment links.

02

Requests completed

From checkout to settlement, RafikiPesa takes the next step - not just the payment.

03

Context remembered

Conversations, preferences, and outcomes are retained so every response starts informed.

04

Humans looped in

Complex work goes to the right person with the complete conversation history attached.

Built for every payment.
One platform for collections and payouts.

RafikiPesa

Payment actions

Collect and settle. RafikiPesa collects, settles, and records every transaction.

  • Collect on every rail
  • Settle to your wallet
  • Pay out to bank or mobile

Customer request

Website inbox

New

Asha M.

Can I pay the balance by M-Pesa today?

Send receipt

Delivered

Credit wallet

TZS 247,500

Request payout

Fee TZS 2,000

RafikiPesa settles and records everythingReady

Payment alerts

Always watching. RafikiPesa flags failed or delayed payments instantly.

  • Failed payments first
  • No transaction missed
  • Always-on reconciliation

M-Pesa Collection

TZS 250,000 from Asha Mwinyi

Just Now

Priority

Card Payment

TZS 1,140,000 authorised

Just Now

Priority

Bank QR Payment

TZS 480,000 confirmed via TIPS

Just Now

Priority
Halopesa
Bank QR
Airtel Money
M-Pesa
Mixx by Yas
RafikiSMS
WhatsApp
Email

Transaction history

Every shilling accounted. Payments, fees, receipts and payouts stay on record for every customer.

  • Full payment history
  • Saved customer details
  • Receipts & fees recorded

Every payment rail

One wallet for everything. Mobile money, cards and bank payments work together in one balance.

  • M-Pesa & Airtel Money
  • Mixx by Yas & Halopesa
  • Card & bank QR

Inbox

41 unread
MR

Asha Mwinyi

2m ago

M-Pesa payment received - TZS 250,000

JT

Juma Ally

3m ago

Payout to Airtel Money - instant

AM

Neema Kessy

5m ago

Fundraising campaign reached its goal

LC

Baraka Mushi

6m ago

Card receipt for TZS 1,140,000

CP

Halima Said

8m ago

International card settled to wallet

EW

Emmanuel Mwakalinga

9m ago

Payout fee question - TZS 2,000

KD

Grace Mbwana

11m ago

Order delivered - funds settled

OR

Peter Kimaro

14m ago

Card declined twice - retry sent

Every channel, connected.
Payments, WhatsApp, RafikiSMS, email and more.

Inbox

Search messages
MR

Asha Mwinyi

via M-Pesa

Hello Support Team,

I paid TZS 250,000 via M-Pesa about 15 minutes ago and received the confirmation SMS, but my order still shows pending in the store. The reference is attached. Please help me confirm it before I dispatch the goods.

M-Pesa receipt.pdf

Regards, Maya Roberts

RafikiPesa

Hi Asha, thank you for reaching out. We have confirmed payment of TZS 250,000 on reference MP-88213 - your order is now marked as paid and the receipt has been emailed to you. Nothing else is needed from your side.

Replied within 3 minutes

Manual follow-up

Complete requests. RafikiPesa credits your wallet and notifies you instantly.

Urgent first. Find the conversations that need attention now.

Context retained. Every reply begins with the full customer picture.

Always available. RafikiPesa works day and night, 24/7.

Autonomous efficiency in every inbox.
Human handoff only when necessary.

Seamless handoffs. Ownership changes without resetting the relationship.

New order

1
Now • Asha Mwinyi • Storefront order

Payment link paid

1m • TZS 250,000 received via M-Pesa

Fundraising goal reached

2m • Clean water campaign • 100% funded
3
NotificationsView all

Proactive alerts. Surface renewals and quiet accounts before they slip.

M-PesaM-Pesa
Airtel MoneyAirtel Money
Mixx by YasMixx by Yas
HalopesaHalopesa
Card and Bank QRCard & Bank QR
OpenAIAirtel Money

Multi-model AI. Route tasks intelligently to the right AI model.

Every message handled.Nothing missed.

21k
Messages handled
22m
Details remembered
+500
Channels connected
24/7
Always available

Service teams, in sync

Every conversation moves forward.

“Nauza mboga Kariakoo. I share my store link on WhatsApp and payments land in my wallet instantly - no more chasing transfer screenshots.”
Asha Mwinyi portraitAsha MwinyiOwner
Kariakoo Fresh Market - Dar es Salaam
“Card, M-Pesa and bank QR in one checkout means every customer finds a way to pay. Sales grew in the first month.”
Juma Ally portraitJuma AllyFounder
Serengeti Supplies - Arusha
“We raised our school project through campaign links shared on SMS. Donors paid by M-Pesa and we watched the goal fill up live.”
Neema Kessy portraitNeema KessyPrograms lead
Tumaini Foundation - Dodoma
“Payouts to our bank take 2 business days as promised, and mobile payouts are instant. Reconciliation takes minutes now.”
Baraka Mushi portraitBaraka MushiOperations Manager
Mikocheni Electronics - Dar es Salaam
“Nauza mboga Kariakoo. I share my store link on WhatsApp and payments land in my wallet instantly - no more chasing transfer screenshots.”
Asha Mwinyi portraitAsha MwinyiOwner
Kariakoo Fresh Market - Dar es Salaam
“Card, M-Pesa and bank QR in one checkout means every customer finds a way to pay. Sales grew in the first month.”
Juma Ally portraitJuma AllyFounder
Serengeti Supplies - Arusha
“We raised our school project through campaign links shared on SMS. Donors paid by M-Pesa and we watched the goal fill up live.”
Neema Kessy portraitNeema KessyPrograms lead
Tumaini Foundation - Dodoma
“Payouts to our bank take 2 business days as promised, and mobile payouts are instant. Reconciliation takes minutes now.”
Baraka Mushi portraitBaraka MushiOperations Manager
Mikocheni Electronics - Dar es Salaam
Kariakoo FreshSerengeti SuppliesTumaini FoundationMikocheni ElectronicsZanzibar PearlMwanza Traders

Partners & ecosystem

Built with trusted Tanzanian partners

Payment rails, connectivity, messaging and skills partners that power the RafikiPesa ecosystem.

Pay per payment - no monthly fees, no surprises

Collection fees depend on how your customer pays. Payouts are a flat TZS 2,000 per successful payout - instant to mobile money, 2 business days to bank accounts.

MNO Payments

Mobile money collections

2.5% per successful collection
Start collecting
  • M-Pesa, Airtel Money, Mixx by Yas, Halopesa
  • Instant wallet settlement
  • USSD push, QR and hosted checkout

Bank Payments

Bank transfer & bank QR

4.0% per successful collection
  • Bank QR & TIPS collections
  • Virtual account references
  • Instant payment notifications

Card Payments

Visa & Mastercard

3.5% per successful collection
Start collecting
  • Visa & Mastercard checkout
  • 3-D Secure authentication
  • Local and international cards

Payouts - TZS 2,000 per successful payout

Flat fee per successful payout, whatever the amount.

Mobile money payout - instantBank payout - 2 business days

Questions, answered

Everything your service team needs to know.

Mobile money (M-Pesa, Airtel Money, Mixx by Yas, Halopesa) at 2.5% per collection, bank payments at 4.0% and Visa/Mastercard at 3.5% - all through one hosted checkout. No monthly fees.

Collections settle into your RafikiPesa wallet instantly. Payouts cost a flat TZS 2,000 per successful payout: mobile money payouts arrive instantly, bank payouts take up to 2 business days.

No. Create your storefront, add products and share your link - everything runs from your dashboard. Developers can also use our API, webhooks and payment links.

Yes. Fundraising campaigns and payment links run on the same wallet - donations settle like any other collection, and you can track everything in one place.

Yes. Funds are held with licensed payment partners, every transaction is audited, and KYC, role-based access and webhook signing keep your account protected.
M-Pesa
Airtel Money
Mixx by Yas
Halopesa
Visa
Mastercard
TIPS
RafikiSMS
WhatsApp

Start selling and getting paid today

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