Built for Africa

#SelcomInatosha

Selcom Paytech provides solutions spanning payment acceptance, mobile banking, agency banking, card issuing, remittances, revenue collection and e-commerce. With a strong focus on innovation, connectivity and financial inclusion, Selcom is helping bridge payment gaps and drive economic growth across the continent.

The agent network is what turns digital money into something usable in a cash economy. Selcom Huduma agents sit around the corner in shops, kiosks, supermarkets or petrol stations across Tanzania, doing the work a branch would otherwise do. Cash is still how much of Tanzania pays. The agent network is the bridge between physical cash and digital value, in the places people actually live and trade.

Functions as a merchant terminal and an agency hub (Huduma Wakala), allowing businesses to earn commissions selling utility tokens (LUKU, DAWASCO), TV subscriptions, airtime and government payments.
Acts as an agency banking terminal for cash deposits, withdrawals and balance checks across major partner commercial banks in Tanzania.
Requires only one unified float balance to run all bill payments, bank cash-ins/cash-outs and network transfers.
Automatically sweeps all daily card and merchant collections into any designated local bank account or mobile wallet by midnight.
Pushes real-time transaction webhooks straight to local retail POS systems and inventory software.

Selcom Lipa is a payment solution offered by Selcom, a payment processor and financial technology provider in Tanzania. It allows businesses to accept digital payments from customers regardless of which bank, mobile money wallet, or payment card the customer uses.

Accepts payments through any channel. Visa, Mastercard, American Express cards, QR codes, till numbers, USSD, and digital links.
Features chip-and-PIN, contactless, and 3D Secure (3DS) fraud prevention for online transactions.
Uses EMVCo-standard QR codes and TIPS integration so customers can pay using any local bank app or mobile wallet.
Allows merchants to attach payment links directly to invoices for remote, tourist, or ex-pat payments via card or mobile wallet.
Offers automated T+1 settlements or real-time access to funds for supplier and bill payments without bank lock-in.
Integrates with business accounting systems and sends real-time payment notifications via email, SMS, and connected receipt printers.

Cards, issued as a service

As a Principal Mastercard Member, Selcom has direct licensing authorization from Mastercard to generate BINs (Bank Identification Numbers), process scheme transactions, and issue physical or virtual payment cards globally without relying on a third-party intermediary bank.

Provides white-label physical and virtual Mastercard debit/prepaid cards linked to bank accounts, mobile wallets, or prepaid balances.
Connects partners directly to Mastercard via Selcom’s native processing platform with minimal integration needed.
Issues branded prepaid cards for controlled spend use cases like fuel, staff allowances, memberships, and corporate benefits.
Cards function worldwide at any ATM, physical POS terminal, or e-commerce merchant accepting Mastercard.
Runs on Selcom's pre-existing PCI-certified infrastructure, significantly reducing launch time and upfront development costs.
Includes built-in 3D Secure (3DS), real-time transaction monitoring, Host Card Emulation (HCE), and MDES tokenization for mobile tap-to-pay.

Cross-border

Selcom operates a global payments infrastructure driven by its status as an approved International Money Transfer (IMT) Hub and a Principal Member of Mastercard and Visa.

Instead of relying on slow, traditional correspondent banking networks like SWIFT for everyday transfers, Selcom uses direct scheme rails and aggregator rails to facilitate fast, low-cost cross-border payments.

Card Acquiring

Accept card payments wherever your customers are. Selcom Card Acquiring gives businesses multiple ways to accept card payments across physical and digital channels

Share a secure link via WhatsApp, SMS, email or social media and get paid online.
Accept remote card payments without the physical card being present.
Integrate card payments directly into your website or online store for a seamless checkout.
Accept tap, insert or swipe card payments at your physical point of sale.

Frequently Asked Questions

Selcom Lipa is designed for businesses of different sizes and sectors, including retail shops, restaurants, service providers, institutions, online businesses and other merchants that need to accept customer payments.
Depending on the solution selected, businesses can accept payments through Lipa Namba, QR payments, bank and mobile money channels, cards and online payment options. This allows customers to pay using the method that is most convenient for them.
Simply contact Selcom, Call: 0800 714 888 WhatsApp: 0699 077 988 Email: help@selcom.net or visit our Selcom Xperience Center near you and tell us about your business and the payment channels you need. Our team can guide you through the application, verification, onboarding and activation process.

A Selcom Huduma agent can offer services such as: Cash-in & cash-out / agency banking, Airtime and internet bundles, Utility payments such as LUKU, Government payments, TV subscriptions, Insurance payments, Ticketing and travel payments, Betting collections and payouts, Banking services such as deposits, withdrawals and statements through supported banks
A business or individual becomes a Selcom Huduma Wakala, completes KYC, and can then provide these services to customers while earning commissions. Agents can operate through a Selcom POS, while Huduma Lite provides access through the app or USSD with lower setup requirements.
To become a Selcom Huduma Wakala, you first need to complete Selcom’s KYC/onboarding process. Procide TIN and NIDA numbers. Selcom currently has two options: Huduma through a POS machine, or Huduma Lite through the app/USSD.

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