M-Pesa Tanzania (Vodacom)

Country: Tanzania (TZ) | Payment Rail: e_wallet

DigitalWallet Market Adoption: 90%

M-Pesa Tanzania is Vodacom's dominant mobile wallet in Tanzania serving over 12M users, supporting STK Push checkout and recurring subscription auto-debit.

🔄 User Payment Flow

Customer selects M-Pesa Tanzania at checkout and inputs mobile number
Customer receives STK Push prompt on their mobile handset
Customer enters 4-digit M-Pesa PIN to authorize payment
Vodacom clears transaction instantly and sends SMS receipt to customer and API callback to merchant

⚙️ Characteristics & Settlement

Instant Payment	YES
Supports QR	YES
Supports Recurring	YES
Supports Refund	YES

🛠️ Merchant Integration Steps

Merchant API calls acquiring gateway (dLocal / Flutterwave) for M-Pesa Tanzania STK Push payload
PSP triggers Vodacom M-Pesa OpenAPI STK Push
PSP receives M-Pesa clearing webhook callback and updates merchant order status