What payment API should I use in Tanzania?

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.

What is the best payment gateway in Tanzania?

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.

What payment methods does Stakaba support?

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.

How do I accept mobile money payments in Tanzania?

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.

Is Stakaba PCI-DSS compliant?

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.

How long do payouts take?

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.

What currencies does Stakaba support?

All transactions on Stakaba are in Tanzanian shillings (TZS). Mobile money transactions require whole numbers — no decimals.

How do I get started with Stakaba?

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.

Does Stakaba support webhooks?

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.

Can I test Stakaba without real money?

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.

Where is Stakaba based?

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).

Legal

Data Deletion Instructions

Clear guidelines and steps to request account closure and personal data erasure from Stakaba.

Contact Privacy Team

Last updated: August 2026

1. Overview & Rights

Stakaba is committed to respecting your privacy and safeguarding your personal data. In compliance with applicable data protection regulations (including the Tanzania Personal Data Protection Act and international frameworks like GDPR and Meta Developer Data Policies), users have the right to request the deletion of their personal data and the closure of their Stakaba account.

2. Scope of Erasable Data

Upon a valid data deletion request, Stakaba will permanently erase or anonymize: your personal profile information (name, email address, phone number), stored user preferences, device identifiers, session tokens, connected social log-in authorization grants (including Facebook / Meta Login tokens), and marketing communication records.

3. How to Request Data Deletion

You can request data deletion through any of the following methods:

Option A: In-App Self-Service (Stakaba Dashboard)

1. Log into your account at app.stakaba.com.
2. Navigate to Settings > Account & Security.
3. Click Request Account & Data Deletion and confirm your request via security verification.

Option B: Direct Email Request

Send an email from your registered email address to privacy@stakaba.com or info@stakaba.com with the subject line "Data Deletion Request". Please include your full name, registered phone number, and Stakaba account ID (if known).

Option C: Facebook / Meta App Deletion (Meta Users)

If you connected your Stakaba account via Facebook or Meta Login:
1. Go to your Facebook account's Settings & Privacy > Settings.
2. Navigate to Apps and Websites and locate Stakaba.
3. Click Remove to revoke access.
4. Click View Removed Apps and Websites and click Send Request to automatically submit a data deletion notification to Stakaba.

4. Processing Timeline & Verification

To protect your account against unauthorized deletion, Stakaba will verify your identity before executing a deletion request. You will receive an acknowledgment within 48 hours of submission. Complete data erasure will be processed and finalized within 30 calendar days.

5. Legal & Regulatory Retention Exceptions

As a regulated financial technology platform in Tanzania, Stakaba is required by law (including Bank of Tanzania regulations, Anti-Money Laundering laws, and Tax Revenue requirements) to retain specific financial transaction records, KYC documentation, and audit trails for a mandatory retention period (typically 5 to 7 years). Retained records are securely archived, restricted from operational access, and used solely for legal, tax, and compliance auditing.

6. Effect of Account Deletion

Deleting your account will permanently revoke your access to the Stakaba Merchant Dashboard, API keys, active webhooks, and historical reporting. Before submitting a deletion request, please ensure all pending transactions are settled and remaining account balances are withdrawn.

7. Contact & Data Protection Office

If you have questions regarding this Data Deletion Policy or need assistance with your personal data, please contact our Data Protection Office at privacy@stakaba.com or via our Contact page.