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Trusted payments · Built in Tanzania

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.

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Funds held securelyDispute protectionInstant payouts
Protected
Verified seller
Dar Electronicsrequesting payment
Escrow
TZS 2,800,000
MacBook Pro - held until delivery is confirmed
Held in escrowReleased only when you confirm receipt
Confirm receipt
Why people trust usFunds safeguardedBuyer & seller protectionFair dispute resolutionPay with mobile money
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.

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.

Explore PesaLock RailsGet API access
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.

MaokotoLive

Football prediction platform with subscription payments, powered by PesaLock Rails.

PesaLock AutoLive

Buy a car on installment through a WhatsApp AI agent, secured by escrow.

KitabSoon

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.

Create free accountGo back to dashboardSee how it works