Qitero Qitero

HaloPesa (Halotel)

Country: Tanzania (TZ)  |  Payment Rail: e_wallet

DigitalWallet Market Adoption: 35%

HaloPesa is Halotel's mobile money wallet serving over 3M users across rural and urban Tanzania, supporting USSD checkout and subscription auto-debit.

🔄 User Payment Flow

  1. Customer selects HaloPesa at checkout and enters mobile phone number
  2. Customer receives USSD prompt on mobile phone screen
  3. Customer enters HaloPesa PIN to authorize payment
  4. HaloPesa debits mobile balance and transmits settlement confirmation to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway for HaloPesa session token
  • PSP issues payment token and triggers HaloPesa USSD API
  • PSP receives HaloPesa clearing webhook notification and confirms order status