Click Pesa
ClickPesa is a Bank of Tanzania-licensed payment gateway that unifies mobile money, bank, and card rails for Tanzanian microfinance institutions, SMEs, schools, and NGOs, with a dedicated MFI platform and API-first developer tools.
- Company typePrivate
- Founded2017
- HeadquartersDar Es Salaam, Tanzania
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Click Pesa does
ClickPesa (legal entity DLT CP Company Tanzania Limited) is a Tanzanian licensed payment service provider operating a unified payment gateway that aggregates mobile money (M-Pesa, Tigo Pesa, Airtel Money, Halopesa), bank channels (CRDB, NMB, GTBank, including CRDB SIM Banking), and card networks (Mastercard, Visa, UnionPay) behind a single API. The platform supports collection, disbursement, bulk payouts (up to 5,000 transactions per batch), and a proprietary BillPay Control Number system (Customer and Order variants) with real-time webhooks for automated reconciliation. It is licensed by the Bank of Tanzania (NBPSL No. 0000-31) under the 2015 Payment System Licensing and Approval Regulations and is subject to the National Payment System Act of 2015, AML regulations, and GDPR-equivalent data protection controls, using Advanced Encryption Standard for data in transit.
Click Pesa firmographics
Firmographics- Name
- Click Pesa
- Legal name
- DLT CP Company Tanzania Limited
- Website
- https://clickpesa.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- ClickPesa is a Bank of Tanzania-licensed payment gateway that unifies mobile money, bank, and card rails for Tanzanian microfinance institutions, SMEs, schools, and NGOs, with a dedicated MFI platform and API-first developer tools.
- Ownership category
- akta.pro rank
Click Pesa industry classification
Industry- Product category
- Payment Gateway / Fintech Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
- akta.pro secondary industries
- Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE), Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)
Keywords
Where Click Pesa is headquartered
LocationHeadquarters
- HQ city
- Dar Es Salaam
- HQ country
- Tanzania
- HQ region
- Africa
Offices2 records
Markets served
Click Pesa business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales, Others
Revenue model
- Payment Processing Fees: ClickPesa charges transaction processing fees based on service type. The company takes a percentage of each successful payment processed through its platform, primarily from businesses collecting payments and disbursing funds.
- BillPay API Fees: 1% fee per successful transaction processed via BillPay Control Numbers for creating and managing payment references. This covers API access, real-time webhooks, control-number management, observability/monitoring, and merchant support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard Transaction Fee |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Click Pesa product offering
Product offeringCore offering
ClickPesa provides a unified B2B payment gateway platform enabling Tanzanian businesses to collect payments and disburse payouts via mobile money (M-Pesa, Tigo Pesa, Airtel Money, Halopesa), bank transfers (CRDB, NMB, GTBank), and card networks (Mastercard, Visa, UnionPay) through a single API. The platform offers BillPay Control Numbers for reusable payment references, bulk payouts, digital invoicing, and a dedicated ClickPesa MFI Platform with debt funding, Compliance-as-a-Service, and payment automation tools for microfinance institutions.
Product overview
ClickPesa is a Tanzania-based fintech company offering a modular payment platform with three core layers: (1) Payment Gateway — the unified platform for collecting payments (via mobile money, bank, and card) and disbursing payouts; (2) ClickPesa MFI Platform — a dedicated suite for microfinance institutions comprising Borrowing (debt funding), Compliance-as-a-Service (KYC), and Payments & Data Automation; and (3) Developer Tools — Payment APIs, Payout APIs, and BillPay APIs for programmatic integration. Key sub-products include BillPay Control Numbers (Customer and Order variants), Mobile Money Bulk Payouts, Digital Invoicing, and ClickPesa Checkout. The platform integrates with FIMA and tHL Accounting loan management systems and processes payments across M-Pesa, Tigo Pesa, Airtel Money, Halopesa, CRDB, NMB, GTBank, Mastercard, Visa, and UnionPay.
Differentiator
Problem solved
Functional benefit
Brands
- ClickPesa MFI: Financial platform for Microfinance Institutions (MFIs) providing borrowing, Compliance-as-a-Service (CaaS), and Payments & Data Automation solutions for serving SMEs and women-owned businesses.
- BillPay
- ClickPesa Checkout
- TanQR/Lipa Namba
Products and services
- Payment Gateway Core payment gateway platform enabling businesses in Tanzania to collect payments and disburse payouts via mobile money (M-Pesa, Tigo Pesa, Airtel Money, Halopesa), bank transfers (CRDB, NMB, GTBank), and card payments (Mastercard, Visa, UnionPay). Supports USSD Push, Lipa Numba, TANQR, and Direct Debit payment methods.
- Collection Services Payment collection services allowing merchants to accept incoming payments from customers via mobile money wallets, bank accounts, and card networks into their designated business accounts.
- Disbursement Services Payout disbursement services enabling businesses to send funds to mobile money wallets (M-Pesa, Tigo Pesa, Airtel Money, Halopesa) and bank accounts (CRDB, NMB, GTBank). Supports bulk payouts of up to 5,000 transactions in a single batch with instant settlement.
- BillPay Control Numbers Static unique payment reference numbers linked to specific customers or bills, enabling reusable payment rails for recurring transactions. Includes Customer BillPay (permanent number for ongoing relationships, installments, subscriptions, repeat donations) and Order BillPay (one-time number tied to a specific bill, invoice, order, or POS/restaurant tab). Designed to reduce payer confusion and enable predictable reconciliation.
- ClickPesa Checkout Embedded or hosted payment checkout solution enabling merchants to accept payments through ClickPesa's integrated payment page.
- Mobile Money Bulk Payouts Bulk disbursement solution allowing businesses to process up to 5,000 mobile money payments in a single batch. Targeted at loan disbursements, payroll, supplier payments, and expense reimbursements.
- Digital Invoicing (e-Invoice) Electronic invoicing solution enabling businesses to create digital invoices, track incoming digital payments, enable faster customer payments, and maintain customer lists. Supports free invoice creation with optional ClickPesa payment collection.
- ClickPesa MFI Platform Dedicated financial platform for Microfinance Institutions (MFIs) providing three integrated solutions: Borrowing (debt funding for MFIs), Compliance-as-a-Service (KYC and regulatory compliance), and Payments & Data Automation. Connects with FIMA and tHL Accounting loan management systems.
- Marketplaces Payments with ClickPesa BillPay BillPay solution tailored for marketplace platforms, enabling each seller to be assigned a dedicated BillPay Control Number for structured, trackable payment collection within multi-seller marketplace ecosystems.
- Customer BillPay for School Management Systems School fee collection solution built on Customer BillPay Control Numbers that allows schools to assign unique control numbers to students/guardians for collecting fees in stages, with automatic reconciliation. Available via Merchant Dashboard and API.
- Payment APIs (with API Explorer) Suite of developer-facing Payment APIs, Payout APIs, and BillPay APIs for programmatic payment collection and disbursement, accompanied by an API Explorer. Designed for developers and businesses requiring programmatic payment processing across mobile money, bank, and card rails in Tanzania.
- ClickPesa Google Sheets Integration Integration that delivers ClickPesa mobile money and bank transaction confirmations into Google Sheets via webhooks, enabling automated transaction logging for businesses.
Quantifiable outcome
- Companies report up to 85% reduction in manual administration and reconciliation effort using BillPay APIs
- +1 more outcomes
Companies that use Click Pesa
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles4 records
Click Pesa technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
AI capability3 records
Feature5 records
Click Pesa partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor and core.
- GSMAminorClickPesa attended GSMA Mobile 360 Series conference in Dar es Salaam, participating in talks and debates on collaboration between governments and mobile industry for digital transformation. The event focuses on mobile as a platform for achieving SDGs in Africa.
- FIMA Loan Management SystemcoreFIMA is a Tanzania-based Loan Management System built for MFIs and SACCOs. It is standardly integrated with ClickPesa for seamless payment processing and reconciliation. MFIs using both FIMA and ClickPesa benefit from automated disbursements, digital collections via mobile money and banks, and automatic sync of payment data back into FIMA for reduced manual reconciliation.
- tHL AccountingcoretHL Accounting is a Tanzanian-developed accounting and loan tracking tool integrated with ClickPesa for direct payments and reconciliation. The integration enables MFIs to automate loan disbursements and collections through ClickPesa while maintaining accounting records in tHL Accounting.
- Vodacom M-PesacoreVodacom M-Pesa is Tanzania's dominant mobile money platform with over 38 million wallets. ClickPesa integrates with M-Pesa for disbursement (B2C) and collection services, enabling businesses to pay out to and collect from M-Pesa users.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
Click Pesa competitors and assessment
Company assessmentBroad incumbents
- Onafriq (formerly MFS Africa): Pan-African mobile money interconnect and payment hub enabling cross-border and domestic payouts to mobile wallets — comparable in mobile money payout aggregation and B2B API focus.
- Interswitch: Africa's largest payment processing platforms with gateway, bill pay and disbursements across multiple countries — comparable in payment aggregation and developer API offering, though at much larger scale.
- Flutterwave: Pan-African payment gateway serving SMEs and developers with APIs for collections and payouts across mobile money, bank and card — overlaps in API-first developer model and SMB target segment across Africa.
- DPO Group (Network International Tanzania): Pan-African (now Network International) payment service provider with strong Tanzania presence, offering gateway, collections and disbursements across multiple African markets — comparable in core rails but far broader geographic and capital scale.
- Paystack: African online payments gateway (Nigeria-led, Stripe-owned) offering developer APIs for collections and transfers — comparable developer-first merchant model, though primarily card-focused and currently expanding to mobile money.
- Cellulant: Pan-African digital payments provider offering a single API for collections, disbursements and bill payments across mobile money and banks — directly comparable in API aggregation of African mobile money and bank rails.
- Tingg (by Network International): Africa-focused digital payments platform for merchants offering collections, bill pay and disbursement APIs — comparable in B2B payment orchestration and merchant self-serve onboarding.
Direct peers
- Pesapal: East African payment gateway (Kenya/Uganda/Tanzania) offering card, mobile money and bank integrations to SMEs — directly comparable in regional focus, B2B API gateway model and merchant verticals like schools and NGOs.
- Selcom: Tanzania-based payment processor offering mobile money, card and bank payment aggregation plus bill pay APIs — directly comparable in geography, rail coverage and API-first merchant model.
Emerging players
- Flutterwave (Sends / Rovia) / Paga-style MFI fintechs (e.g., Lidya): Adjacent fintech lenders/compliance platforms targeting MFIs and SMEs in Africa — comparable in serving MFIs with combined payments and credit/compliance offerings, intersecting with ClickPesa's MFI Platform module.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Click Pesa social profiles
Digital presenceClick Pesa compliance and trust
Trust signalCompliance5 records
Click Pesa financial estimates
Financial estimateRevenue estimate
Valuation estimate
Click Pesa leadership team
Management profileNumber of profiles
Profiles4 records
Click Pesa funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Click Pesa M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Click Pesa
What does Click Pesa do?
ClickPesa provides a unified B2B payment gateway platform enabling Tanzanian businesses to collect payments and disburse payouts via mobile money (M-Pesa, Tigo Pesa, Airtel Money, Halopesa), bank transfers (CRDB, NMB, GTBank), and card networks (Mastercard, Visa, UnionPay) through a single API. The platform offers BillPay Control Numbers for reusable payment references, bulk payouts, digital invoicing, and a dedicated ClickPesa MFI Platform with debt funding, Compliance-as-a-Service, and payment automation tools for microfinance institutions.
Is Click Pesa a public or private company?
Click Pesa is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Click Pesa founded?
Click Pesa was founded in 2017. It employs 1 to 10 people.
Where is Click Pesa based?
Click Pesa is headquartered in Dar Es Salaam, Tanzania, in the Africa region.
How does Click Pesa make money?
Two revenue lines are on record. Payment Processing Fees are the primary driver. The others are billPay API Fees.
Who are Click Pesa's main competitors?
Broad incumbents on record are Onafriq (formerly MFS Africa), Interswitch, Flutterwave, DPO Group (Network International Tanzania), Paystack, Cellulant and Tingg (by Network International). Direct peers are Pesapal and Selcom. Flutterwave (Sends / Rovia) / Paga-style MFI fintechs (e.g., Lidya) is listed as an emerging player.
Does Click Pesa have an API?
Yes. ClickPesa offers comprehensive Payment APIs and Payout APIs for developers to integrate payment collection and disbursement services. The APIs enable merchants to build custom payment experiences for collecting payments via mobile money and bank channels, and disbursing payouts to M-Pesa, Tigo Pesa, Airtel Money, Halopesa, and banks including NMB, CRDB, and GTBank. APIs support real-time webhooks for payment confirmations, bulk payouts (up to 5,000 transactions), and integrate with BillPay Control Number systems for customer and order management. The platform also offers a Developers Portal for managing team access to integration tools. Developer documentation is at docs.clickpesa.com.
What industry is Click Pesa in?
Click Pesa's product category is Payment Gateway / Fintech Infrastructure. Its primary akta.pro industry code is BPAMAFAF, Bill Pay, Invoicing & Payables Platforms, with a secondary code of FSAMACAE, Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods). Its NAICS code is 522320 and its SIC code is 6199.