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An omnichannel mobile wallet for consumers, merchants, and developers to accept and make interoperable payments via *712#, manage collections, and integrate via APIs.

TandaPay is an omnichannel mobile wallet for consumers, businesses, and developers that enables interoperable payments across mobile money channels in Kenya and the wider East Africa market.
Key capabilities include:
Available via Web, USSD (*712#), and APIs.
Target users include everyday consumers making payments, merchants managing collections and withdrawals, and developers building payment experiences inside apps and services.
It is notable in Kenya’s payments landscape because it operates under an eMoney issuer license from the Central Bank of Kenya (CBK) and focuses on interoperability that reduces reliance on closed-loop payment experiences across mobile money networks.
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