TandPay is a Rwandan software platform for social-commerce transactions. Buyers pay using MTN MoMo or Airtel Money, sellers deliver, and payment is released after delivery confirmation.
Most TandPay transactions start in a chat, not a formal checkout. These are the moments where buyers and sellers need a clearer payment and delivery record.
Showing all social-commerce pain points.
For sellers
A seller can be pushed to dispatch from a forwarded SMS, screenshot or informal transfer claim before a payment is actually confirmed.
How TandPay helps: The seller checks payment status in the TandPay flow before dispatching or handing over the item.
For buyers
A buyer may be asked to send money to an unfamiliar seller before delivery, with little evidence if the item never arrives.
How TandPay helps: Payment remains protected through the provider-managed flow until delivery is confirmed.
For buyers
An item can arrive damaged, incomplete or different from the chat promise after the buyer has already prepaid.
How TandPay helps: The buyer should inspect the item before entering the six-digit delivery code.
Business drag
When buyers change plans or stop answering, small sellers can lose time, delivery fees and inventory availability.
How TandPay helps: A transaction-specific payment step gives both sides a clearer commitment before dispatch.
Business drag
Chats, payment alerts, delivery notes and customer follow-up can sit in different places, making support and reconciliation harder.
How TandPay helps: Orders, payment status and delivery confirmation stay connected to one transaction record.
For sellers
Buyers may accept small informal purchases but hesitate when the price is higher or the seller is new to them.
How TandPay helps: A seller storefront and transaction history can give buyers clearer context before checkout.
Payment processing in Rwanda is provided through pawaPay by QuidexPlus Rwanda Limited, a payment aggregator licensed by the National Bank of Rwanda. TandPay does not hold customer funds.
Each eligible seller can use a TandPay storefront as a simple public home for products, payment links and transaction context. Buyers can browse from a mobile browser before opening a protected checkout.
Storefront and QR sharing are planned for seller launch; public transactions remain paused during launch readiness.
Explore seller storefronts
Your payment remains protected through the payment partner until delivery confirmation.
Inspect the item before entering the delivery code.
If delivery does not happen, contact TandPay support while the payment remains protected.
Check that a real Mobile Money payment was confirmed before delivery.
The six-digit code records the buyer’s confirmation at handover.
Orders, payment status and delivery confirmation remain connected to the transaction.
Free to sign up · No monthly fee · Pay only when a deal completes.
Buyers pay a separate 2.5% protection fee at checkout, displayed before payment.
TandPay is a Rwandan software platform for protected social-commerce payments. Buyers pay using Mobile Money, sellers deliver, and payment is released after delivery confirmation.
No. Payment processing in Rwanda is provided through pawaPay by QuidexPlus Rwanda Limited, a payment aggregator licensed by the National Bank of Rwanda. TandPay does not hold customer funds.
Payment status is verified through the payment provider rather than screenshots, and seller payment follows delivery confirmation in the provider-managed flow.
Do not enter the delivery code. Contact support@tandpay.com or WhatsApp support for assistance under the applicable refund policy.
Not yet. Public transactions remain paused while launch-readiness work is completed.
No. TandPay is designed to work through web links in a mobile browser.
Public transactions remain paused while TandPay completes launch-readiness work.