About TandPay
Built for social commerce
in Rwanda.
TandPay is a Rwandan software platform for social-commerce transactions. Buyers pay using MTN MoMo or Airtel Money, sellers deliver, and payment is released after delivery confirmation. Payment processing is provided by our licensed local payment partner. TandPay does not hold customer funds.
The problem we are addressing
Social-commerce transactions often begin in WhatsApp, Instagram, TikTok or Facebook conversations. Buyers may be asked to pay unfamiliar sellers before delivery, while sellers may receive screenshots or informal transfer claims that are difficult to verify.
For buyers
Paying an unfamiliar seller before delivery can create non-delivery, wrong-item and support risks.
For sellers
Informal transfers and screenshots can make payment verification and order reconciliation difficult.
For both sides
A transaction-specific payment and delivery record can reduce uncertainty and support clearer follow-up.
How TandPay works
TandPay adds a delivery-confirmed payment flow to the social channels buyers and sellers already use.
Seller creates a payment link
The seller records the order and shares a TandPay link with the buyer.
Buyer pays with Mobile Money
Payment processing in Rwanda is provided through pawaPay by QuidexPlus Rwanda Limited, a payment aggregator licensed by the National Bank of Rwanda.
Payment status is verified
The seller checks payment status through TandPay rather than relying on a screenshot. TandPay does not hold customer funds.
Seller delivers the item
The order remains connected to the payment and delivery-confirmation flow.
Buyer inspects and confirms delivery
The buyer should check the item before entering the transaction’s six-digit delivery code.
Seller payment follows confirmation
Delivery confirmation authorizes seller payment under the applicable provider-managed flow.
If delivery does not happen, or the item is wrong, damaged or suspicious, the buyer should not enter the delivery code and should contact support under the applicable policy.
Company identity
Legal entity
tandpay LTD, trading as TandPay
Private Company Limited by Shares registered in Rwanda on 2 February 2026.
TIN: 155683751
Registered office
1 KN 78 Street, Imena Village, Kiyovu Cell, Nyarugenge Sector, Nyarugenge District, City of Kigali, Rwanda.
Business and legal
Customer support and WhatsApp
Payment service disclosure
Payment processing in Rwanda is provided through pawaPay by QuidexPlus Rwanda Limited, a payment aggregator licensed by the National Bank of Rwanda. TandPay does not hold customer funds. This service-provider relationship does not imply endorsement of TandPay.
The team
Irene BAHATI
Founder and CEO
Leads TandPay’s product, engineering, operations and regulatory-readiness work.
Contact TandPay
Use the official channel that matches your request.