⚡
Merchant in Dar es Salaam
Settled TZS 250,000 via Selcom Pesa
PANO
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🟢 6 MNO Rails Operational · 99.99% Switch Uptime

Mobile Money & Card Payment Operations across Tanzania

PANO connects merchants to M-Pesa, Airtel Money, Mixx by Yas, HaloPesa, Selcom Pesa, and Visa & Mastercard card payments from one real-time double-entry ledger. 🇹🇿 Lipia kwa M-Pesa, Airtel Money, Mixx by Yas, HaloPesa au Kadi kwa urahisi.

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Visa & Mastercard Ready
Maker-Checker Approvals
Double-Entry Ledger
99.99%
Uptime SLA
< 2.5s
Settlement Speed
6+
Networks & Cards
0.00 TZS
Ledger Variance
PANO Aggregator Ledger
Live Merchant Overview
Active
TZS 14.80M
Total Collected
+TZS 2.40M
Today's Settlement
Live Network Feed
💳
Visa Card Payment
4111****1029 · Verified
+350,000 TZS
M
M-Pesa Collection
255712***001 · Success
+450,000 TZS
S
Selcom Pesa
255655***881 · Success
+120,000 TZS
PANO Hosted Checkout
Customer Payment Simulation
AMOUNT DUE
50,000 TZS
Merchant Invoice
Select Payment Method:
📲 USSD Push
💳 Card Payment
M-PESA / SELCOM USSD PROMPT:
Pay TZS 50,000 to PANO Merchant?
1. Accept & Enter PIN
2. Cancel
Supported Payment Channels · Mobile Money, Cards & Digital Wallets
M-Pesa Mobile Money
Mixx by Yas Mobile Money
Airtel Money Mobile Money
HaloPesa Mobile Money
Visa Card
Mastercard Card
UnionPay Card
Amex Card
Google Pay Wallet
Apple Pay Wallet
PayPal Wallet
TIPS National Switch
M-Pesa Mobile Money
Mixx by Yas Mobile Money
Airtel Money Mobile Money
HaloPesa Mobile Money
Visa Card
Mastercard Card
UnionPay Card
Amex Card
Google Pay Wallet
Apple Pay Wallet
PayPal Wallet
TIPS National Switch
All Rails Operational
Average Switch Latency: 1.12s · Overall Uptime: 99.99%
M-Pesa: 1.1s Airtel: 1.3s Selcom: 0.9s Cards: 1.6s
Operational Discipline

Three Steps, One Ledger

Every transaction PANO processes follows an immutable, double-entry path from collection to trial balance.

Step 01

Collect

Customers pay using mobile money (M-Pesa, Airtel Money, Mixx by Yas, Selcom Pesa) or Debit/Credit Cards (Visa, Mastercard) via hosted checkouts.

Step 02

Settle

Schedule automated merchant settlements to bank or mobile wallets, secured with dual-control maker-checker approvals and PIN authorization.

Step 03

Reconcile

Every entry is recorded in real time on a balanced double-entry general ledger. Trial balances remain zero-balanced automatically without manual spreadsheets.

Flexible Integration

Four Ways to Collect Money

Whether you operate an e-commerce storefront or sell via WhatsApp, PANO has a channel ready for you.

Hosted Storefronts

Sell physical or digital items with dynamic inventory levels and instant SMS customer receipts.

Social Payment Links

Share branded payment links on Instagram, WhatsApp, or Twitter for quick one-click collections.

USSD Mobile Push

Trigger instant USSD PIN prompts directly to M-Pesa, Airtel Money, Selcom, and Mixx by Yas phones.

Card Checkout Widget

Accept Debit and Credit card payments seamlessly from Visa & Mastercard holders worldwide.

Interactive Sandbox

Generate an Instant Payment Link & Dynamic QR

Type your business name and amount to see how PANO renders your branded customer checkout page with instant USSD push and verifiable digital receipt.

PANO Checkout REF: PANO-9821
Mlimani Premium Lounge
TZS 75,000
Instant 1-Click Collection
USSD Push Sent / SMS Alert
Umepokea TZS 75,000 kutoka kwa Mlimani Premium Lounge. Salio lako jipya la PANO limeongezeka.
Verifiable Receipt: receipt.pano.co.tz/9821
Tailored For Your Business

Solutions Built for Every Tanzanian Industry

From bustling Kariakoo retail shops and safari operators to concert organizers and online storefronts, PANO powers purpose-built workflows.

Official E-Ticket
Serengeti Music Festival 2026
JNICC · Dar es Salaam · Oct 24, 2026
Tier
VIP Pass
Attendee
Salma Bakari
Reference / Seat
TKT-884192 · Zone A
Gate Verification
Valid & Verified
SCAN AT GATE
Developer Experience

REST API & Webhooks

Authenticate with Sanctum tokens, trigger USSD push payments, check wallet balances, and receive real-time webhook callbacks — all from your existing stack.

// POST /api/merchant/payment-requests/initiate
// Triggers a USSD STK push to the customer's phone

curl -X POST https://pano.qbiez.co.tz/api/merchant/payment-requests/initiate \
  -H "Authorization: Bearer {sanctum_token}" \
  -H "Content-Type: application/json" \
  -H "Accept: application/json" \
  -d '{
    "amount":         50000,
    "phone":          "255754000111",
    "description":    "Order #9821 — Dar es Salaam",
    "payment_method": "stk_push"
  }'
202 ACCEPTED
"status": "pending", "provider": "mpesa"
Download Postman Collection v2.1 Get Sandbox API Keys
Authentication
POST /api/merchant-staff/login
Phone + 4-digit PIN → Sanctum Token
Collect
POST /api/merchant/payment-requests/initiate
STK push or bill pay → USSD prompt
Wallets
GET /api/merchant/wallet/balance
Real-time TZS balance & ledger entries
Settle
POST /api/merchant/settlements
Schedule payouts: manual, daily, weekly
Instant Liquidity

Stop Waiting Days for Settlement

Traditional aggregators delay your cash flow. PANO clears funds straight into your wallet instantly.

Traditional Processing
24 – 72 Hours
  • ❌ Batch end-of-day bank processing
  • ❌ Weekend & holiday payout delays
  • ❌ Manual CSV ledger reconciliation
PANO Operations
< 2.5 Seconds
  • ⚡ 24/7/365 real-time payouts
  • ⚡ Automatic PIN-authorized settlement
  • ⚡ Immutable zero-balanced double-entry ledger
Tailored Experience

Built for Every Role in Your Business

Switch between views to see how PANO empowers merchants, finance leads, and operations teams.

Instant Payment Links

Share payment links on WhatsApp, Instagram, or SMS and collect money via mobile wallets or card payments.

Storefront & Inventory

Create hosted store product links with automatic stock tracking and customer receipt SMS.

PIN Authorised Payouts

Protect your payout wallet with a 4-digit PIN for instant withdrawals to M-Pesa, Selcom Pesa, or bank accounts.

Double-Entry Trial Balance

Immutable credit and debit posting ensures your books balance to zero automatically after every transaction.

Automated Fee Split

Platform and provider fees are split instantly into dedicated ledger income accounts.

Scheduled Reports

Generate statements and transaction export files in CSV or PDF format on demand.

Maker-Checker Dual Approval

High-value settlements and refunds require dual authorization from designated approvers.

Signed Audit Trail

Every administrative action and status change is logged with immutable, regulator-auditable metadata.

KYC Document Verification

Verify BRELA, TIN, and owner NIDA details to maintain full regulatory compliance and verified security standards.

Why Choose PANO

Compare PANO to Traditional Gateways

See why high-growth Tanzanian merchants choose PANO over legacy banks and standalone aggregators.

Feature / Capability ⚡ PANO Platform Traditional Banks Legacy Aggregators
Settlement Speed ⚡ < 2.5s Instant 24 – 72 Hours End-of-day / T+1
Payment Rails Supported Mobile Money + Cards Cards / EFT Only Mobile Money Only
Accounting Reconciliation Automated Double-Entry ❌ Manual Excel / CSV ❌ Flat summary report
Multi-Branch & Cashier Tills ✅ Unlimited with PINs ❌ Single account only ⚠️ Extra hardware fee
Security Approvals ✅ Maker-Checker & 2FA Standard OTP ❌ Single password
Developer REST API & Webhooks ✅ Real-time HMAC Signed ❌ Complex SOAP / Legacy ⚠️ Basic polling
Platform Ecosystem

8 Built-In Capabilities for Growing Businesses

Everything your finance, engineering, and operations teams need to accept, manage, and scale collections.

Recurring Subscriptions

Automated daily, weekly, monthly, and annual billing cycles with grace periods and smart payment retries.

Lipia Polepole Plans

Offer flexible instalment plans with initial deposit capture and automatic remaining balance tracking.

Bulk Batch Invoicing

Upload a spreadsheet with hundreds of customer bills to auto-dispatch unique SMS payment links in seconds.

MNO Statement Matching

Import raw clearing files from Vodacom, Airtel, or Selcom to auto-reconcile transactions and flag variances.

Scheduled Audit Reports

Automated daily, weekly, or monthly PDF and Excel ledger closing statements sent directly to your finance email.

Multi-Party Split Engine

Split every incoming payment automatically between store vendors, delivery partners, and platform commission.

Hosted Digital Storefronts

Sell products online with photo galleries, inventory stock management, and downloadable receipts—no coding needed.

Branch Tills & Approvals

Assign cashier PIN terminals per branch and enforce maker-checker dual authorization on all outbound payouts.

Transparent Pricing

Simple, Predictable Rates

No hidden setup fees or surprise monthly charges. You only pay when you process payments.

Interactive Fee Calculator
Rate: 3.50%
TZS
10,000 TZS 50,000 TZS 100,000 TZS 500,000 TZS 1,000,000 TZS
Estimated Platform Fee
TZS 500
Net Merchant Payout
TZS 49,500
Marketplace & Franchise

Automated Split Settlements

Collect one payment from a customer and automatically disburse funds across multiple partner accounts and commissions in real time.

Incoming Customer Order
TZS 100,000 (M-Pesa / Card)
⚡ Instant Double-Entry Split
STORE VENDOR WALLET (85%)
TZS 85,000
Credited immediately for stock
BRANCH / LOGISTICS (10%)
TZS 10,000
Delivery & fulfillment partner
PLATFORM COMMISSION (5%)
TZS 5,000
Direct to revenue clearing
Double-Entry Accounting

A Ledger That Always Balances

No floating numbers or untracked balances. Every single transaction is a debit and credit pairing that nets to zero.

MNO Clearing Account
Inbound M-Pesa & Card collection
-48,345.00 TZS
Merchant Wallet Balance
Credited transaction value
+48,345.00 TZS
Net Trial Balance
Reconciled automatically
0.00 TZS (Balanced)
Trust & Governance

Built for Bank-Grade Security & Compliance

Engineered to meet the highest regulatory, cryptographic, and accounting standards in Tanzania.

NPS & BOT Aligned

System architecture aligns with Bank of Tanzania National Payment System standards for digital funds clearing.

TIPS & TISS Interoperable

Direct instant settlement compatibility with Tanzania Instant Payments System and commercial banks.

Maker-Checker Approvals

Dual-authorization control for payouts and financial adjustments prevents unauthorized fund movement.

SHA-256 HMAC Signatures

Every webhook and API payload is cryptographically signed to guarantee complete message authenticity.

Merchant Stories

Trusted by Businesses Across Tanzania

See how ambitious merchants and high-volume operators scale with PANO's unified rails.

★★★★★

"Before PANO, our Kariakoo stores had 4 separate POS machines for M-Pesa, Airtel, and Tigo. With PANO's unified QR and cashier PIN tills, cash reconciliation takes 5 minutes instead of 2 hours every evening."

RM
Rashid M.
Managing Director · Mlimani Retail Hub, Dar es Salaam
★★★★★

"International tourists booking our Serengeti safaris pay online using Visa and Mastercard, while local travelers pay with M-Pesa. Everything automatically lands in our balanced double-entry ledger in TZS."

EK
Elia Kimaro
Co-Founder · Kibo Safari Expeditions, Arusha
★★★★★

"The automated split fee engine is a game changer for our events. Ticket sales through M-Pesa instantly split commissions between the event organizers, sound engineers, and venue partners with zero delays."

ZN
Zainab Nassor
Event Director · Swahili Sounds Festival, Zanzibar
Simple Onboarding

Get Verified & Collect in 3 Transparent Tiers

Start instantly as an individual or scale as an incorporated enterprise with simple compliance steps.

Tier 1 · Starter

Individual & Sole Trader

Perfect for freelancers, social media vendors, and creators collecting occasional payments.

Required KYC:
  • ✓ NIDA National ID (NIN)
  • ✓ Registered Phone Number
Daily Volume: Up to TZS 5,000,000
Start Tier 1 Instant
Most Popular
Tier 2 · Growth

Registered Business & SME

For registered retail shops, clinics, schools, and established online merchants.

Required KYC:
  • ✓ TRA TIN Certificate
  • ✓ Valid Business License / Permit
  • ✓ Director NIDA ID
Daily Volume: Up to TZS 50,000,000
Register Business Tier
Tier 3 · Enterprise

Corporate & Institutions

For airlines, utility companies, government agencies, and multi-branch retail chains.

Required KYC:
  • ✓ BRELA Certificate of Incorporation
  • ✓ MEMARTS & Board Resolution
  • ✓ Commercial Bank Account Proof
Daily Volume: Unlimited Volume (Custom SLA)
Contact Enterprise Team
Get Started Fast

Ready to Collect in 30 Seconds?

Enter your business details below to jump directly into your personalized merchant setup.

Instant Sandbox & Live Activation
Got Questions?

Frequently Asked Questions

No. PANO is a payment aggregator platform. Customers pay using the mobile money network they already use (M-Pesa, Airtel Money, Mixx by Yas, HaloPesa, T-Pesa, Selcom Pesa) or Debit/Credit Cards (Visa & Mastercard).
Settlements can be executed on schedules you define (daily, batch, or on-demand) directly to bank accounts or registered mobile money numbers.
Merchant dashboards require a 4-digit PIN for sensitive transactions, supported by 256-bit encryption, role-based access control, and maker-checker dual approvals.

Ready to unify your mobile money & card operations?

Register your merchant account today to start collecting and settling across every network in Tanzania.

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