TandaPay

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:

• *Interoperable payments via USSD (712#) so customers on any mobile money network can pay to a TandaPay Till, using the same steps across networks (customers pay free to a Till).
• Merchant collections and withdrawals through a free TandaPay Till, allowing businesses to accept payments from multiple mobile money networks and withdraw collections to a preferred channel, including bank, mobile money, Till, or Paybill.
• Transaction management tools through the TandaPay app and web dashboard for monitoring payments, collections, and payouts.
• Developer APIs that support payment integrations and issuing wallets for businesses and customers, with documentation available at docs.tanda.africa.

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.