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Payments API for Tanzania

Accept payments and send payouts across Tanzania.

Stakaba is a single REST API for Tanzanian businesses. Accept card payments and mobile money, send payouts to any wallet, create payment links, and get real-time webhooks — all in TZS.

Get startedRead the docs
Card paymentsMobile moneyPayoutsWebhooks

No setup fees · Test in sandbox in minutes · Go live in 1–3 business days

Collect a payment
curl -X POST https://api.stakaba.com/api/v1/payments/collection \
  -H "x-api-key: sk_test_your_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "grossAmount": 5000,
    "currency": "TZS",
    "mobileNumber": "255742000331",
    "network": "Mpesa",
    "metadata": { "orderId": "ORD-2026-001" }
  }'
REST APITZSReal-time status

Response

{
  "internalReference": "M_X7Y8Z9W0"
}

The customer gets a USSD prompt on their phone within seconds. You receive a webhook when it's confirmed.

Works with the rails your customers already use

M-PesaAirtel MoneyMixx by YasHaloPesaVisaMastercardPCI DSS

Businesses we support

MerchantsLogisticsEnterprisesBanksFintechsMarketplacesSaaS teamsRetailersAgenciesDevelopers
What you can do

Everything you need to move money, in one API

Accept payments however your customers want to pay, send money out, and stay in sync with real-time events. All amounts are in Tanzanian shillings.

Hosted checkout

Card payments

Accept Visa and Mastercard through a Stakaba-hosted, PCI-DSS Level 1 checkout page. Create the payment, redirect the customer, and we handle the rest.

  • Hosted checkout page
  • Visa & Mastercard
  • PCI-DSS Level 1
View docs
USSD push

Mobile money collections

Send a USSD prompt to a customer's phone. They approve with their PIN and the funds arrive instantly. M-Pesa, Airtel Money, Mixx by Yas, and HaloPesa.

  • USSD push to pay
  • All four networks
  • Instant confirmation
View docs
Wallet transfers

Payouts

Send funds directly to any Tanzanian mobile money wallet. Payouts leave your merchant wallet the moment they are confirmed, with clear status tracking.

  • Pay any wallet
  • Save recipients
  • Status tracking
View docs
No-code collections

Payment links

Share a link your customers can pay with — no website or integration required. Ideal for invoices, social selling, and quick one-off collections.

  • No website needed
  • Share anywhere
  • Card & mobile money
View docs
Live events

Webhooks

Get a real-time notification the moment a payment succeeds or fails. Webhooks are how you reliably confirm payments and fulfil orders.

  • Real-time events
  • Automatic retries
  • Verify before fulfilling
View docs
How it works

From sign-up to live payments

Start testing in minutes with a sandbox key. Go live once your business is verified — typically within 1–3 business days.

1

Create an account

Sign up and get your sandbox API key from the dashboard. No paperwork to start testing.

2

Build in sandbox

Integrate with your sandbox key. Payments are simulated — no real money moves while you test end to end.

3

Submit a go-live request

Complete your business profile and KYC. Reviews typically take 1–3 business days.

4

Switch to your live key

Swap in your live key and start accepting real payments. The same API handles both modes.

Built for developers

A clean REST API and clear docs

One base URL, JSON in and out, sandbox and live modes from the same endpoints. Integrate collections, payouts, and webhooks without the guesswork.

One REST API

A single base URL — api.stakaba.com — for collections, payouts, links, and transaction lookups. JSON in, JSON out.

Sandbox and live

The key you send decides the mode. sk_test_ for simulated payments, sk_live_ for production. Test thoroughly before going live.

Real-time webhooks

Reliable delivery with automatic retries. Always verify the transaction via the API before fulfilling an order.

Amounts in TZS

Every amount is in Tanzanian shillings. Mobile money requires whole numbers — no decimals.

Read the docsGet an API key
Roadmap concept

Digital dollars, connected to local rails.

A future settlement layer that could connect TZS collections with stablecoin treasury and always-on global payouts.

Collect

TZS rails

Cards + mobile money

Convert

Stablecoin

Digital-dollar treasury

Settle

Global payouts

Always-on reach

24/7

Settlement window

1:1

Dollar reference

On-chain

Transparent trail
Security

Payments handled safely

Card data never touches your servers, keys stay server-side, and every payment can be verified before you fulfil an order.

PCI-DSS Level 1 checkout

Card details are entered on a Stakaba-hosted, PCI-DSS Level 1 compliant page. Stakaba never stores raw card numbers.

Server-side API keys

Keys live on your server, never in frontend code. Compromised a key? Rotate it instantly from the dashboard.

Verified webhooks

Confirm every payment against the transactions API before fulfilling, so replayed or spoofed callbacks can't cause double fulfilment.

Full transaction trail

Every live transaction is visible in your dashboard with a complete audit trail of status changes and fees.

Get started

Start accepting payments today

Create a free account, grab your sandbox key, and make your first test payment in minutes. Questions? Email info@stakaba.com.

Create accountContact us
Get startedDocs