TandPay is Rwanda's trust layer for social commerce. Buyer payments are collected and held by our licensed Payment Service Provider via MTN Mobile Money and Airtel Money — never by TandPay itself — until delivery is physically confirmed with a unique 6-digit code. Sellers share payment links on WhatsApp, Instagram, TikTok, and Facebook. Buyers pay with MoMo or Airtel Money. Money is locked safely until the buyer confirms receipt from their own phone. Sellers pay a 2.5 percent service fee only when a deal completes. No app download needed. Available across Rwanda.
TandPay protects payments for deals made on WhatsApp, Instagram, TikTok, and Facebook. The buyer pays securely, the seller delivers, and payment is released when delivery is confirmed.
Buying and selling through social platforms should not feel like “Pay and Pray.” TandPay helps both sides move to “Pay and Verify.”
Showing all social commerce issues.
For sellers
A buyer receives the item, then asks MTN to reverse the payment as an accidental transfer. The seller can lose both the product and the payment.
How TandPay helps: A TandPay order creates a verified commercial record instead of an informal P2P transfer.
For sellers
A forged payment screen or spoofed SMS can pressure a merchant to hand over inventory before checking their wallet balance.
How TandPay helps: The seller checks the official TandPay payment status before dispatching.
For buyers
A polished storefront uses stolen images, takes an upfront payment, then blocks the buyer and vanishes.
How TandPay helps: Funds remain protected until the buyer receives and verifies the item.
For buyers
A seller agrees to cash on delivery, then asks for a small moto fee upfront. Once it is sent, the seller disappears.
How TandPay helps: The buyer uses one protected payment flow tied to the actual order.
For buyers
A seller advertises an authentic item but ships a cheap imitation after the buyer prepays.
How TandPay helps: The buyer can inspect the item before confirming release.
Business drag
When a buyer changes their mind or stops answering, the merchant absorbs delivery and return costs while inventory is locked up.
How TandPay helps: Upfront commitment gives buyers a reason to receive the order.
Business drag
Working capital stays physically tied to delivery drivers while merchants wait for cash to return or be transferred.
How TandPay helps: Digital release lets the seller receive funds once delivery is confirmed.
Business drag
Merchants spend hours matching WhatsApp chats, handwritten notes, and scattered SMS alerts to individual deliveries.
How TandPay helps: Every payment is tied to an order ID.
Business drag
Buyers may risk small amounts, but high-value products often require slow, face-to-face meetups instead of online checkout.
How TandPay helps: Protected payment makes high-value online purchases feel safer.
Give buyers a storefront to browse, backed by a public TandPay reputation.
A unique QR code for your storefront is ready to download from your seller dashboard.
Your payment remains protected until you receive and confirm the item.
Check the item before entering the delivery code.
If delivery does not happen, contact TandPay support for help with the protected payment.
Know that a real Mobile Money payment was made before you deliver.
The 6-digit code records the buyer's delivery confirmation.
Your public TandPay profile shows real reviews, completed sales, delivery time, and dispute history.
Free to sign up · No monthly fees · Pay only when a deal closes.
No deal? No charge. You only pay when a deal completes.
Buyers pay a small protection fee at checkout, shown transparently on every payment link.
TandPay protects Mobile Money payments for online deals. The payment remains protected until the buyer receives the item and confirms delivery with a 6-digit code.
TandPay generates a unique 6-digit code for the transaction. The buyer checks the item during handover and enters the code to confirm delivery. Confirmation releases payment to the seller.
Do not enter the delivery code if the item has not arrived. The payment remains protected; contact support@tandpay.com for assistance under the applicable refund policy.
Inspect the item before entering the delivery code. If it is wrong, damaged, or suspicious, do not confirm delivery; contact the seller or TandPay support while the payment remains protected.
Once the buyer enters the delivery code, payment is released to your Mobile Money account, less the fee shown for the transaction.
No. TandPay works entirely through web links. Sellers create payment links and share them on WhatsApp, Instagram, TikTok, or any platform. Buyers click the link, pay with MoMo, and track their order — all in the browser. No app download needed.
Payments are handled through our payment partner and remain protected until delivery confirmation. Buyers should inspect the item before entering the 6-digit code. TandPay is a registered Rwandan company.
Sellers pay a 2.5% service fee on each completed deal, deducted from your payout. Sign-up is free, creating payment links is free, and there are no monthly fees or hidden charges. You only pay when a deal closes. Example: You list at 15,000 RWF → you receive 14,625 RWF → TandPay keeps 375 RWF. (Buyers pay a separate 2.5% protection fee, shown transparently at checkout on every payment link.)
Yes! TandPay works everywhere in Rwanda where MTN Mobile Money or Airtel Money is available — Kigali, Huye, Musanze, Rubavu, Gisenyi, and every district nationwide. All you need is a mobile money account and a phone with a web browser.
Create a free TandPay account and send your first protected payment link.
