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Democratizing payments. For everyone.

Digital payments
for every way
you live.

Use TXN Wallet on your mobile phone to keep a main wallet and create wallets for children, family and friends. No smartphone? Open a wallet at a TXN-accredited financial institution with just your NRC, and pay at a merchant terminal with fingerprint, NFC tag or PIN.

Explore the wallet For merchants

One wallet experience for people with and without mobile phones.

A woman paying a market trader at a fruit and vegetable stall THE TXN WALLET

Pay your way.

Use your mobile phone or pay at a merchant terminal with fingerprint, NFC tag or PIN.

Use your mobile phone or pay at a terminal

Fingerprint, NFC tag and PIN at the terminal

Built for everyday Zambia

A little less friction

Digital money.
For every way
you live.

Whether you use a mobile phone or prefer to pay at a merchant terminal, TXN Wallet is designed to work for you. No one access mode is required for everyone.

Mobile and terminal access

Use your mobile phone for your main wallet and create wallets for children and others. People without smartphones can open a wallet at a TXN-accredited financial institution and pay at a merchant terminal.

Simple checkout

Pay with fingerprint, NFC tag or PIN at the terminal, or use your mobile phone. The experience is designed to feel familiar and easy.

More people included

Smartphone customers can keep a main wallet and create wallets for children and others. People without smartphones only need their NRC to open a wallet at a TXN-accredited financial institution - it’s active in 10 minutes.

Simple from the start

One wallet.
Multiple ways
to pay.

Use your mobile phone or pay at a merchant terminal with fingerprint, NFC tag or PIN.

  1. 9:41
    TXN Wallet app home screen showing a main account balance

    01Pay from your phone

    Open TXN Wallet on your mobile phone to check your balance, deposit money or make a payment.

  2. TXN Wallet accepted here

    02Find your everyday spot

    Walk up to a merchant that accepts TXN Wallet. You can pay with your mobile phone or use the terminal.

  3. Pay your way

    Mobile phone or terminal methods.

    03Make it your way

    Use your mobile phone or pay at the terminal with fingerprint, NFC tag or PIN.

Illustrative product views. Tumapay is building an inclusive payment experience for Zambia.

Democratizing payments

Your phone.
Your thumb.
Your tag.

For everyone, with or without a phone. No smartphone? Bring your NRC to a TXN-accredited financial institution, enrol your fingerprint and your wallet is active in 10 minutes.

  • Press your thumb

    Enrol your fingerprint once at a TXN-accredited financial institution, then use it at the merchant’s terminal.

  • Tap your tag

    Bring your NFC tag to the terminal. A little tap goes a long way.

  • Enter your PIN

    Prefer a PIN? Enter it at the terminal to make your payment.

A customer paying at a shop terminal while the shopkeeper smiles

With or
without
a phone.

A mother and daughter paying at a shop counter

A little independence

Child wallet · Parent-set limits

You set the limit

Illustrative child wallet view

For children, friends and family

Your main wallet.
Their own way
to pay.

Keep your main wallet on your smartphone. Create wallets for your children, or for friends and family without phones. Child wallets include parent-set limits.

  • Create wallets for loved ones without phones
  • Spending limits set by a parent
Let’s talk family wallets

For the people behind the counter

Good for customers.
Built for business.

Open the door to more ways to pay, with tools built around your business.

Talk merchant solutions
A smiling shopkeeper standing in her grocery shop

For the corner shop.
And the next big thing.

More ways to accept

Fingerprint, NFC tag and PIN. Multi-channel acceptance, in one merchant experience.

Tools for every day

Business tools designed to help you manage your TXN Wallet activity.

Build customer loyalty

Loyalty tools to help you grow lasting relationships with the people you serve.

Settlement, connected

Settlement support as part of your merchant payment experience.

A little more clarity

Good
questions.
Simple
answers.

Want to know about access, the wallet or your business? Our team can help.

Get in touch

No. You can use your mobile phone or pay at a merchant terminal with fingerprint, NFC tag or PIN. People without smartphones can open a wallet at a TXN-accredited financial institution and use the terminal. To pay with your fingerprint, enrol it once at a TXN-accredited financial institution.

More people.
More possibilities.

Let’s make everyday payments work for more people. Talk to us about wallets, your business or the future of Tumapay.

Let’s start a conversation