New · USSD payments now live across Uganda

Accept payments
across Africa. Instantly.

Mobile money, cards, bank, and USSD — all in one powerful API. Built for African businesses ready to scale to the world.

Works on any phone
Dial *274*60#
99.9% uptime
PCI-DSS compliant
Bank-grade security
9:41●●● 5G
Today
UGX 4,892,150
↑ 18.4% vs yesterday
📱
Aisha N.
MTN MoMo
UGX 45,000
Paid
Payment methods
MTN
Airtel
Visa
USSD
Volume · 7d
Trusted by global partners across Africa
MTN MoMo
Airtel Money
VISA
Mastercard
Stanbic
Equity Bank
Centenary
DFCU
MTN MoMo
Airtel Money
VISA
Mastercard
Stanbic
Equity Bank
Centenary
DFCU
99.9%
Uptime SLA
1000+
Partners
<2s
Avg settlement
How it works

From signup to settlement
in three moves.

01

Connect your business

Sign up in minutes. Verify with one document. Go live instantly.

02

Accept payments anywhere

Mobile money, cards, bank transfers, USSD. Online or offline.

03

Get paid instantly

Funds settle to your account in seconds, not days.

👤
Customer pays
You get paid
Payment methods

Local dominance.
Global reach.

Accept the way Africa pays — and the way the world does too. All from a single, unified API.

📱
MTN Mobile Money
Most popular
💸
Airtel Money
Instant
💳
Visa & Mastercard
Global
🏦
Bank Transfer
Direct
Differentiator · USSD

Customers can pay even without internet.

Reach the 60% of Africa offline. Any phone, any network — just a USSD code.

Dial to pay
*274*60#
1. Dial code
2. Enter amount
3. Confirm with PIN ✓
Hardware

Online or offline —
we've got you covered.

POS Terminal

Tap, dip, or tap-to-phone. All on one device.

Android-powered. 4G + Wi-Fi. Battery for a full day.

Amount
UGX 45,000
Approved
Tap to phone

No hardware needed.

Turn any Android phone into a payment terminal in 60 seconds.

📡
Hold card here
Agent network

Empower your field agents with mobile payment devices.

Cash-in, cash-out, bill payments, and merchant collections — all from a single handheld device.

📱
💳
☎️
Developers

Built for builders.
Get started in minutes.

Idempotent REST APIs, typed SDKs, signed webhooks, and beautiful docs. Everything you need to ship, nothing you don't.

✓ Node · Python · Go · PHP · Ruby · Java
✓ Webhooks signed with HMAC
✓ Idempotency keys
charge.tsPOST /v1/charges
"color:oklch(0.78 0.15 280)">import { TandiPay } from "tandipay";

"color:oklch(0.78 0.15 280)">const tandi = new TandiPay(process.env.TANDI_KEY);

// One API. Every payment method.
"color:oklch(0.78 0.15 280)">const payment = await tandi.charges.create({
  amount: 50000,
  currency: "UGX",
  channel: "mtn_momo",      // or airtel, card, ussd, bank
  customer: { phone: "+256700000000" },
  callback_url: "https://yoursite.com/webhook"
});

"color:oklch(0.78 0.15 280)">console.log(payment.status); // "success"
→ Response 200 OK · 142ms
Use cases

Powering every kind
of African business.

Browse all industries →
E-commerce

Convert more carts to cash

Embedded checkout with mobile money, cards, and one-click pay.

+34%checkout conversion
Schools

Collect fees without the chaos

Parents pay via USSD or MoMo. You get reconciled reports.

8 hrssaved per week
NGOs

Receive donations from anywhere

Multi-currency donations with instant settlement and tax receipts.

120+countries supported
SaaS

Subscriptions that just work

Recurring billing with smart retries on failed mobile money charges.

92%retry recovery
Marketplaces

Split payments to vendors instantly

Hold, split, and pay out funds to thousands of sellers in one call.

<1ssplit execution
Logistics

Cash on delivery, digitized

Riders collect via tap-to-phone. Funds reflect in your dashboard live.

0%cash leakage
Healthcare

Collect patient payments seamlessly

Hospitals and clinics accept MoMo, cards, and USSD at the point of care.

60%faster billing
Insurance

Premiums paid on time, every time

Recurring mobile money debits with smart retries keep policies active.

95%renewal rate
Global expansion

Start in Uganda.
Scale across Africa.

Multi-currency, cross-border payments, and local rails in every market. One integration. A continent of customers.

🇺🇬 Uganda🇰🇪 Kenya🇹🇿 Tanzania🇷🇼 Rwanda🇳🇬 Nigeria🇬🇭 Ghana🇿🇦 South Africa
7+
Markets live
Pricing

Simple pricing.
No surprises.

Pay only when you get paid. No hidden fees, no long contracts.

Zero setup fees · No monthly minimums · Live in 24 hours
Starter
For new businesses
0/month
Transaction fee
2.9% + UGX 500
per successful transaction
Start accepting payments
  • Mobile money (MTN, Airtel)
  • Card payments (Visa, Mastercard)
  • USSD payments *274*60#
  • Hosted checkout
  • Payment links
  • Email support
Most popular
Growth
150KUGX/month
Transaction fee
1.9% + UGX 300
per successful transaction
Start accepting payments
  • Everything in Starter
  • Lower transaction fees
  • Instant settlements
  • Payouts & split payments
  • Recurring billing
  • Priority support · 24/7
  • Webhook & API access
Enterprise
For scale
Customtailored to volume
Transaction fee
Volume pricing
negotiated rates
Talk to sales
  • Everything in Growth
  • Dedicated account manager
  • Custom contracts & SLAs
  • POS terminals & hardware
  • Multi-entity & multi-currency
  • On-prem & private cloud
  • Compliance & audit support
All prices in UGX. Volume discounts available · No charges on failed transactions · Cancel anytime

Ready to power your payments?

Get live in under 24 hours. No setup fees. No monthly minimums. Just payments that work.