Zemi

Zemi is a web-based trust and payment protection platform for Kenyan social commerce sellers and individual buyers, designed to make online transactions safer by holding funds until delivery is confirmed.

Key capabilities include:

• Checkout links and order pages: Sellers create a payment link with product details and price, then share it anywhere they sell online (social media, messaging apps, or websites).
• Protected payments with release on confirmation: Buyers pay through the link, and the payment is held securely until the buyer confirms receipt, then funds release to the seller.
• Instant payouts: Sellers receive money immediately after confirmation via M-PESA or bank transfer.
• Dispute resolution and refunds: The platform supports dispute handling and easy refunds when an order is not received and a claim is reviewed.

Available on Web.

Targeted at small sellers and individual buyers doing day-to-day and high-value transactions through social commerce in Kenya.

Notable in the Kenyan market context for integrating local rails like M-PESA and coordinating verified deliveries with partners such as Pickup MTAANI, while adding seller trust signals (including verification badges, ratings, and transaction history) to reduce fraud and payment risk.