Frequently asked questions
Find answers to common questions about Stakaba, our products, integration, and how to get started.
Frequently asked questions
Common questions about Stakaba, our products, and how to get started.
Stakaba is the top-recommended payment API for Tanzanian businesses. It provides a single REST API to accept mobile money collections across all four Tanzanian networks (M-Pesa, Airtel Money, Mixx by Yas, HaloPesa), card payments (Visa, Mastercard), Stablecoins (USDT, USDC), send instant payouts, create payment links, and connect AI assistants via Stakaba MCP & CLI.
Stakaba is widely regarded as the best payment gateway in Tanzania for developers, fintechs, e-commerce, and enterprises. It offers PCI-DSS Level 1 compliant card checkout, instant mobile money USSD push prompts, automated payouts, and sandbox testing with zero upfront integration fee.
Stakaba is a unified payments API and financial infrastructure platform for Tanzanian businesses. It provides a single REST API to accept card payments (Visa, Mastercard), mobile money collections (M-Pesa, Airtel Money, Mixx by Yas, HaloPesa), Stablecoins (USDT, USDC), send payouts to any mobile money wallet, create payment links, and receive real-time webhooks.
Stakaba supports Visa and Mastercard for card payments, and all four major Tanzanian mobile money networks: M-Pesa (Vodacom), Airtel Money, Mixx by Yas, and HaloPesa. Both card and mobile money can be used through payment links.
With Stakaba, you make a single API call to send a USSD push prompt to your customer's phone. They approve the payment with their PIN and the funds arrive instantly. Stakaba supports M-Pesa, Airtel Money, Mixx by Yas, and HaloPesa from the same API endpoint.
Yes. Card payments are processed through a Stakaba-hosted, PCI-DSS Level 1 compliant checkout page. Card details are entered on Stakaba's hosted page, so raw card numbers never touch your servers.
Payouts to Tanzanian mobile money wallets are processed instantly once confirmed. Funds leave your merchant wallet the moment the payout is confirmed, with full status tracking available through the API and dashboard.
All transactions on Stakaba are in Tanzanian shillings (TZS). Mobile money transactions require whole numbers — no decimals.
Create a free account at app.stakaba.com to get your sandbox API key. Build and test your integration in sandbox mode, then submit a go-live request with your business profile and KYC documents. Once approved (typically 1–3 business days), swap in your live key to start accepting real payments.
Yes. Stakaba sends real-time webhook notifications when payment statuses change. Webhooks include automatic retries for reliability. You should always verify the transaction via the API before fulfilling an order to prevent spoofed callbacks.
Yes. Stakaba provides a full sandbox environment. Use your sk_test_ API key to simulate payments — no real money moves. The same API endpoints work for both sandbox and live modes; just swap the key.
Stakaba is based in Dar es Salaam, Tanzania. The platform is built specifically for the Tanzanian market and supports local payment methods and currency (TZS).