The Problem

Tourists struggle with cash-based payments, face costly currency exchanges and ATM shortages, and locals lack card payment infrastructure. Cashless convenience is needed for Tanzanian travelers and businesses.

The Solution – PayOn

A simple mobile app allows tourists to pay Tanzanian locals and businesses using Visa or Mastercard. Payments are instantly converted and delivered to local mobile wallets (M-Pesa, Tigo Pesa, Airtel Money, HaloPesa)—no POS, no cash, no hassle.

Real Impact

Empowering travelers increases convenience and safety; supporting local Tanzanian entrepreneurs unlocks new economic opportunity with direct, secure payments in seconds.

How PayOn Works

A simple, secure process that connects international tourists with local Tanzanian businesses through instant digital payments.

  • Tourist downloads and registers on the PayOn app
  • They link their Visa/Mastercard securely
  • Tourist pays for services (hotel, taxi, guide) in-app
  • Local automatically receives payment to their mobile wallet
Key Capabilities:
  • Accepts all major international cards
  • Real-time exchange and payments
  • Mobile wallet integration (M-Pesa, Tigo Pesa, Airtel Money, HaloPesa)
  • Transaction history & digital receipts
  • Location-based business listings (optional)
PayOn workflow
Tourist Market

Market Opportunity

Tanzania welcomes 1.5M+ tourists annually. Arusha, as the safari capital of East Africa, faces high spending potential but limited digital payment options. PayOn fills this gap, enabling growth for small businesses and greater convenience for tourists.

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Key Features

Comprehensive features designed to make cashless payments seamless for tourists and locals alike.

Truly Cashless Experience

Tourists never handle local cash; locals are paid directly to their mobile wallets via secure, instant digital settlements with complete transparency.

Full Card Support

All international bank cards are accepted, using trusted payment gateways. Funds flow instantly, with transparency and no manual conversion required.

Direct Mobile Wallet Integration

PayOn works with M-Pesa, Tigo Pesa, Airtel Money, and HaloPesa—the most popular Tanzanian wallets for instant local payments.

Business Discovery & Receipts

Tourists can search for services in the app. Every payment produces a digital receipt and transaction record for complete transparency.

Easy for Tourists & Locals

No need for internet banking, credit checks, or POS machines—just a mobile number for locals, and a card for visitors for maximum simplicity.

Scalable for All of Tanzania

Ready for launch in Arusha & rapid expansion to other Tanzanian tourism hotspots—Zanzibar, Serengeti, Kilimanjaro and beyond.

Business Model & Competitive Advantage

A sustainable business model designed to empower both tourists and local businesses.

Business Model

  • Small transaction fee per payment (3–5%)
  • Premium features for local businesses: listing, promotion, analytics
  • Strategic partnerships with hotels, tour operators, guides
  • Revenue sharing with mobile wallet providers
  • Enterprise solutions for large tourism operators

Competitive Advantage

  • First-mover in Tanzania for card-to-mobile wallet tourist payments
  • Simpler and more direct than POS or mobile banking
  • Empowers local businesses and small merchants to go digital
  • No hardware required—works on any smartphone
  • Instant settlements with real-time exchange rates

Roadmap

Phase 1

MVP launch in Arusha with core payment features

Phase 2

Integrate all mobile wallets & support USD/EUR/GBP

Phase 3

Expansion to Zanzibar, Serengeti, more regions

Partner with PayOn / SerengetiPay

We're seeking funding, technology collaborators, and partners for licensing, integration, and marketing!

Arusha & Dar es Salaam, Tanzania

+255 765 438 924

info@softecki.co.tz

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© 2025 Softecki · Empowering Cashless Tourism in Tanzania