Softecki

The Problem

Tourists struggle with cash-based payments, face costly currency exchanges and ATM shortages, and locals lack card payment infrastructure. Cashless convenience is needed for Tanzanian travelers and businesses.

The Solution – PayOn

A simple mobile app allows tourists to pay Tanzanian locals and businesses using Visa or Mastercard. Payments are instantly converted and delivered to local mobile wallets (M-Pesa, Tigo Pesa, Airtel Money, HaloPesa)—no POS, no cash, no hassle.

Real Impact

Empowering travelers increases convenience and safety; supporting local Tanzanian entrepreneurs unlocks new economic opportunity with direct, secure payments in seconds.

How PayOn Works

Tourist downloads and registers on the PayOn app
They link their Visa/Mastercard
Tourist pays for services (hotel, taxi, guide) in-app
Local automatically receives payment to their mobile wallet

Accepts all major international cards
Real-time exchange and payments
Mobile wallet integration (M-Pesa, Tigo Pesa, Airtel Money, HaloPesa)
Transaction history & digital receipts
Location-based business listings (optional)

Market Opportunity

Tanzania welcomes 1.5M+ tourists annually. Arusha, as the safari capital of East Africa, faces high spending potential but limited digital payment options. PayOn fills this gap, enabling growth for small businesses and greater convenience for tourists.

Key Features:

Truly Cashless Experience

Tourists never handle local cash; locals are paid directly to their mobile wallets via secure, instant digital settlements.

Full Card Support

All international bank cards are accepted, using trusted payment gateways. Funds flow instantly, with transparency and no manual conversion required.

Direct Mobile Wallet Integration

PayOn works with M-Pesa, Tigo Pesa, Airtel Money, and HaloPesa—the most popular Tanzanian wallets.

Business Discovery & Receipts

Tourists can search for services in the app. Every payment produces a digital receipt and transaction record for transparency.

Easy for Tourists & Locals

No need for internet banking, credit checks, or POS machines—just a mobile number for locals, and a card for visitors.

Scalable for All of Tanzania

Ready for launch in Arusha & rapid expansion to other Tanzanian tourism hotspots—Zanzibar, Serengeti, Kilimanjaro and beyond.

Business Model & Competitive Advantage

Business Model

Small transaction fee per payment (3–5%)
Premium features for local businesses: listing, promotion, analytics
Strategic partnerships with hotels, tour operators, guides

Competitive Advantage

First-mover in Tanzania for card-to-mobile wallet tourist payments
Simpler and more direct than POS or mobile banking
Empowers local businesses and small merchants to go digital

Roadmap

Phase 1: MVP launch in Arusha
Phase 2: Integrate all mobile wallets & support USD/EUR/GBP
Phase 3: Expansion to Zanzibar, Serengeti, more regions

PayOn – Cashless Payments for Tourists in Tanzania