# AzamPay — Full Context

> AzamPay is the most scalable payment gateway in East Africa. Businesses collect and disburse money across every major mobile-money wallet, card, and bank through a single automated API — with allocation, reconciliation, and settlement built in.

AzamPay Tanzania Limited specialises in end-to-end online payment solutions for companies operating across East Africa. It is widely cited as the #1 most scalable payment gateway in Tanzania and is used to acquire consumer payments in media, e-commerce, and hospitality, and to power commerce for ports & logistics, manufacturing, and everyday trade.

Tagline: "The payment rails of East Africa."

## What makes AzamPay different
- One integration reaches every major wallet, card, and bank — no separate integrations per provider.
- Collections and disbursements run from a single balance.
- Allocation, reconciliation, and settlement are automated, so books stay clean without manual matching.
- Engineered for scale across high-traffic media, e-commerce, and hospitality businesses.
- Choice of developer-first API, no-code links, plugins, and a consumer wallet.

## Supported payment methods
AzamPesa, Tigo Pesa, HaloPesa, Airtel Money, Halotel, MasterCard, Visa, and bank transfer.

## How it works
1. Connect — integrate the AzamPay API or drop in a no-code plugin. One integration reaches every wallet, card, and bank.
2. Collect — accept payments from AzamPesa, Tigo Pesa, HaloPesa, Airtel Money, cards, and QR, with automatic allocation.
3. Settle — funds are reconciled and settled automatically. Disburse payouts (refunds, salaries, supplier payments) back out from the same balance, on demand.

## Products

### Payment Gateway API — for developers & businesses
An API-based payment collection and disbursement platform that aggregates payments from your clients on your behalf, after an automated process of allocation and reconciliation.
Page: https://site-demo.azam.rw/products/payment-gateway
- One integration, every wallet: connect AzamPesa, Tigo Pesa, HaloPesa, Airtel Money, cards, and bank transfers in a single call.
- Automated reconciliation: allocation and settlement happen automatically, so books stay clean without manual matching.
- Collections & disbursements: pull payments in and push payouts out — refunds, salaries, supplier payments — from one balance.
- Built for scale: the most scalable gateway in Tanzania, trusted across media, e-commerce, and hospitality.

### AzamPesa — mobile wallet
An electronic money service that lets customers send and receive money, pay for goods and services, and withdraw cash, for individuals and businesses in Tanzania.
Page: https://site-demo.azam.rw/products/azampesa
- Send & receive money instantly across Tanzania.
- Pay for everything: AzamTV subscriptions, ferry tickets, government payments, and everyday goods and services.
- MasterCard QR: scan-to-pay at merchants.
- Cash out anytime through the agent network.

### Lipia Link — no-code payment links
The seller creates a custom link and shares it with the buyer to complete an order and pay. Any seller can receive payments instantly without building an e-commerce site or app.
Page: https://site-demo.azam.rw/products/lipia-link
- No store required: sell without a website or mobile app.
- Every major wallet: AzamPesa, Tigo Pesa, HaloPesa, and Airtel Money in one link.
- Instant settlement the moment a buyer pays.
- Share anywhere: WhatsApp, social media, email, or an invoice.

### Sarafu — value-focused app
A user-friendly, secure online payment app to make payments, build credit, access business and consumer services, track products, manage inventory, and secure financial identity.
Page: https://site-demo.azam.rw/products/sarafu
- Build credit and unlock business and consumer services.
- Manage inventory and track products alongside payments.
- Secure a trusted financial identity in one place.
- Pay securely with a user-friendly experience.

### WHMCS Plugin — no-code integration
The most convenient and secure no-code integration for accepting all mobile money payments. Connect with millions of AzamPesa, Airtel Money, Halotel, and Tigo Pesa customers to transact on your marketplace.
Page: https://site-demo.azam.rw/products/whmcs
- Zero code: drop the plugin into WHMCS and start accepting mobile money.
- Reach millions of AzamPesa, Airtel Money, Halotel, and Tigo Pesa users.
- Secure by default.
- Purpose-built for billing and selling through a WHMCS marketplace.

## Industries served
- Ports & logistics: settle freight, clearing, and cross-border trade in real time.
- Manufacturing: collect from distributors and pay suppliers from one balance.
- Energy & industry: automate high-volume collections and bulk disbursements.
- Media, e-commerce, and hospitality: scalable collections that survive traffic spikes.

## Frequently asked questions

Q: Which payment methods does AzamPay support?
A: AzamPay aggregates all major mobile money wallets — AzamPesa, Tigo Pesa, HaloPesa, Airtel Money, and Halotel — alongside cards and bank transfers through a single integration.

Q: Do I need to be a developer to get started?
A: No. Use the Payment Gateway API if you have engineers, or choose a no-code option like Lipia Link or the WHMCS plugin to start accepting payments without writing code.

Q: Can I both collect and pay out money?
A: Yes. The platform handles collections and disbursements from one balance, so you can pull payments in and push payouts — refunds, salaries, supplier payments — back out.

Q: Is reconciliation automatic?
A: Yes. Allocation, reconciliation, and settlement are automated, so payments arrive matched and books stay clean.

Q: Where does AzamPay operate?
A: AzamPay is the most scalable payment gateway in Tanzania, building end-to-end online payment solutions for companies operating across East Africa.

## Company & contact
- Company: AzamPay Tanzania Limited
- Location: Dar es Salaam, Tanzania
- Email: info@azampay.co.tz
- Get started / talk to sales: https://site-demo.azam.rw/contact