PamoPay
Open an account
Your money, your circle, one place.
Send on the cheapest rail every time, save with your circle, and see where every shilling went — in Swahili or English.
Open a free wallet
See how it works
Works with every rail Tanzanians already use
M-Pesa
Tigo Pesa
Airtel Money
CRDB
NMB
NBC
TAN-QR
What you can do
Everything a circle needs, in one place
See how it works
Circles
Mama Lishe VICOBA
Turn 7 of 12 · 12 members · 2-of-3
4,380,000 pooled
Late fees go back into the pool, never to PamoPay.
Spaces
Set money aside for rent, school fees, or the next contribution — envelopes that keep your spending honest.
School fees
Term starts 12 Jan
240,000
Rent
Due on the 1st
180,000
Pamoja circles
Every circle your community already runs
Funeral fund
When a family loses someone, the money has to be there the same week. The circle collects, and everyone sees where it stands.
Same week
From collection to payout
Wedding contributions
Friends and family put in over months. Nobody has to chase anybody, and nobody has to remember who already paid.
Every shilling
Timestamped and visible
Chama savings
The rotating savings group you already run, with the notebook replaced by a record none of you has to hold.
Your turn
A nudge, not a confrontation
School fees
Set money aside before term starts, in a Space of its own, so it is not spent on something else first.
Set aside
Money kept for one job
Spaces
Set money aside for rent, school fees, or the next contribution — envelopes that keep your spending honest, without a second account.
School fees
Rent
Next contribution
Emergency
Credit
Contributions made on time build a record. PamoPay introduces you to a lender on the strength of it — we are the matchmaker, never the lender, and every offer shows the total repayable.
Not a lender
Offers come from licensed partners, and the total repayable is always shown before a rate.
Frequently asked questions
Circles, fees, and what happens to your money.
NM
HN
ZM
+
You
Still have questions?
Write to us and we will answer in English or Kiswahili.
Talk to our team
Ready to start your circle?
Join the people saving together, paying each other, and keeping every shilling accounted for. Built in Tanzania, in English and Kiswahili.
Open a free wallet
Talk to us
Money that belongs to the people. Built in Tanzania, in English and Kiswahili.
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PamoPay · Pesa Yako, Nguvu Yako
Dar es Salaam, Tanzania