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
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.
Card paymentsMobile moneyStable CoinPayouts
No setup fees · Test in sandbox in minutes · Go live Instant
Cards
Create cards. Empower payments.
Issue virtual or physical cards instantly.
Manage spending and rewards with ease.
Instant issuance
Create virtual cards in seconds.
Real-time alerts
Get notified for every transaction.
Spending limits
Set limits and take control.
Works with the rails your customers already use
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.
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
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
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
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
How it works
From sign-up to live payments
Start testing in minutes with a sandbox key. Go live once your business is verified — instant.
Create an account
Sign up and get your sandbox API key from the dashboard. No paperwork to start testing.
Build in sandbox
Integrate with your sandbox key. Payments are simulated — no real money moves while you test end to end.
Submit a go-live request
Complete your business profile and KYC. Reviews typically take 1–3 business days.
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.
Stablecoin payments
Merchants receive payments from stablecoins and crypto wallets.
You choose how to get paid.
Accept USDT, USDC and other digital dollars. Get settled in TZS, stablecoins, or a combination of both, through Stakaba's local payment rails.
Accept
USDT + USDC
Digital dollars
Choose
Settlement mix
TZS or stablecoins
Receive
Local rails
Stakaba payout flow
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.