Last updated 3 October 2026

Terms of Service

These terms explain how Kash Lipa works for the businesses that use it. Please read them before you open an account.

1. What Kash Lipa does

Kash Lipa lets businesses collect payments from customers through mobile money (M-Pesa, Mixx by Yas, Airtel Money and HaloPesa) and withdraw the money to mobile money or a bank account. Payments are processed through our licensed partner, Selcom.

2. Your account

• You must be at least 18 years old and able to enter into a contract under Tanzanian law.
• The details you give us, including your NIDA number and business registration, must be true and current.
• You are responsible for everything done through your account and API keys. Keep your password, API secret keys and authenticator codes private.
• We verify every account (KYC) before it can accept live payments or withdraw. We may ask for more documents at any time.

3. Payments and your balance

• Money you collect is credited to your Kash Lipa wallet after our fees are deducted. Our fees are agreed with you when your account or API access is approved.
• Paid money is available to withdraw straight away. You request a withdrawal in your dashboard and we send it to the mobile money number or bank account you choose, usually within one working day.
• A payment is only final once the mobile money network confirms it. If a payment is reversed, charged back or found to be fraudulent, we may deduct it from your balance.
• Withdrawals should go to accounts in your name or your business’s name. We may refuse a withdrawal that looks unsafe and return the money to your balance.

4. What you may not use Kash Lipa for

You may not use the service for anything illegal in Tanzania, including fraud, money laundering, financing of terrorism, unlicensed gambling or lending, pyramid schemes, or selling goods you have no right to sell. We report suspicious activity to the authorities as the law requires.

5. Suspension and closing

We may hold funds, suspend or close an account if we reasonably believe it breaks these terms, puts customers at risk, or if a regulator or court requires it. You may close your account at any time once your balance has been withdrawn and any disputes are settled.

6. Liability

We work hard to keep Kash Lipa available and accurate, but payment networks can be delayed or unavailable. We are not liable for losses caused by networks, banks or events outside our reasonable control. Nothing in these terms limits rights you have under Tanzanian consumer law.

7. Changes

We may update these terms. We will tell you by email before material changes take effect. Using the service after that means you accept the new terms.

8. Law and contact

These terms are governed by the laws of the United Republic of Tanzania. Questions? Email support@kashlipa.com.