Trade safely.Pay with confidence.
PesaLock holds your money safely until both sides are satisfied. Buying, selling, or getting paid — your money is protected every step.
Dar Electronics requesting payment
TZS 2,800,000
MacBook Pro — held until delivery is confirmed
Held in escrow Released only when you confirm receipt
Why people trust us
The problem
I trusted. I lost. Never again.
Online fraud costs Tanzanian traders millions every year. PesaLock changes that — money only moves when everyone is satisfied.
You pay first
You send the money — and they disappear before the goods ever arrive.
You ship first
You send the goods — and they claim the package never showed up.
No safety net
Unsecured transfers, and no one to turn to when a deal goes wrong.
How it works
Safe in three simple steps
No jargon. No risk. Just a clear path from "let's deal" to "deal done".
1
Agree
Buyer and seller agree on terms. PesaLock creates the secure agreement.
2
Pay
The buyer pays with mobile money. PesaLock holds the funds — nobody can touch them.
3
Release
The buyer confirms receipt and funds go to the seller. Dispute? We mediate, fairly.
Who it's for
Made for the way Tanzania trades
From WhatsApp sellers to property deposits — anywhere trust is on the line, PesaLock has your back.
Online sellers
Sell in WhatsApp and Facebook groups with escrow protection built in.
Property deposits
Hold rental and purchase deposits safely until the keys change hands.
Freelancers
Get paid on milestones, not on promises. Your work, protected.
Vehicle purchases
High-value trades with milestone tracking for installment payments.
Payment links
Create a link, share it, collect money — no website needed.
Business invoicing
Send protected invoices to clients, paid in minutes by mobile money.
TZS 1,200,000 escrow released · Dar es Salaam · 3m agoPayment link paid · Dodoma · 7m ago Escrow agreement created · Arusha · 12m ago TZS 450,000 escrow released · Mwanza · 15m agoDeal completed safely · Mbeya · 19m ago TZS 850,000 escrow released · Tanga · 24m agoTZS 1,200,000 escrow released · Dar es Salaam · 3m agoPayment link paid · Dodoma · 7m ago Escrow agreement created · Arusha · 12m ago TZS 450,000 escrow released · Mwanza · 15m agoDeal completed safely · Mbeya · 19m ago TZS 850,000 escrow released · Tanga · 24m ago
No-code payments
No app. No code. Just a link.
Create a payment link in 30 seconds. Share it on WhatsApp. Get paid — funds held in escrow or sent directly. You choose.
Ready in seconds Set an amount, add a note, and your link is live.
Share anywhere WhatsApp, Instagram, SMS — wherever your customers are.
Protected by default Hold funds in escrow until delivery, or take direct payment.
For developers & businesses
Build payments into your product
PesaLock Rails is the payment backbone behind everything we ship. One API to accept mobile money across the country — webhooks, idempotency, and provider failover built in.
One integration Every network, a single endpoint.
Built-in retries Idempotent, safe to replay.
Signed webhooks HMAC-verified, full audit log.
Sandbox Test everything before you go live.
rails — collect
# Collect a payment
POST /api/v1/payments/collect
X-Rails-Key : rls_live_••••••••
{
"order_id" : "ORD-001" ,
"amount" : 5000 ,
"buyer_phone" : "2557••••••••"
}
→ 201 Created
{
"rails_ref" : "rls_f47ac10b" ,
"status" : "PENDING"
}
Proof it works
We use PesaLock ourselves
Every product we've shipped runs on the same infrastructure you'd be building on.
Maokoto
Football prediction platform with subscription payments — powered by PesaLock Rails.
PesaLock Auto
Buy a car on installment through a WhatsApp AI agent — secured by escrow.
Kitab
Financial management built for Tanzanian businesses, on top of PesaLock.
Ready to trade safely?
Create a free account and make your next deal a protected one.