Integrated with Tanzania Instant Payment System (TIPS)

One intelligence layer for every way East Africa pays

Hoscoo is the interoperable orchestration and intelligence layer that routes account-to-account transfers, mobile money, cross-network bank-to-wallet payments, and card acquiring across East Africa — then turns payment behavior into routing, treasury, and finance decisions.

Try the live checkout Read the API docs Experience the dashboard

Try the developer sandboxTest every channel and corridor with live routing logic — no API key needed.

Connected banks: 37+
Mobile wallets: 6
Payment channels: 7
Regional currencies: 4

BoT-aligned, ISO 20022 messagingReal-time status webhooks

Payments intelligence

The payment rail becomes the operating layer.

Hoscoo starts with orchestration, then compounds value through telemetry, predictive routing, and treasury workflows that help merchants make better decisions every day.

Explore the dashboard

Live payment intelligence

See volume, success rate, latency, rail health, and operational alerts across every corridor in one command center.

Predictive routing

Forecast provider degradation before it hits customers, then act on transparent reroute recommendations.

Embedded finance

Turn observed payment behavior into merchant liquidity, treasury visibility, and finance-ready workflows.

Operational confidence

Move from reactive failover to a measurable system of record for reliability, risk, and settlement decisions.

Observe

Every payment path

Anticipate

Before rails degrade

Unlock

Treasury decisions

The routing engine

Integrate once. Reach every rail.

A single normalized request enters the Hoscoo engine. We validate and sign it, resolve the debit and credit legs, map the beneficiary alias, then clear through TIPS or our own acquiring stack — returning one consistent status lifecycle no matter the destination.

Your application

POST /api/initiate-payment

{

"amount": 45000,

"channel": "MNO_USSD",

"source": { ... },

"destination": { ... }

}

HoscooOrchestration & smart routing

Pay by Bank

37+ banks · TIPS / A2A

Pay by MNO

6 wallets · TIPS / Wallet

Card & Direct

Visa, Mastercard, Amex · Hoscoo / Card

Regional corridors

East Africa's switches don't talk. We sit between them.

Every national instant rail in the region is a closed loop with its own currency, participant directory and settlement calendar. Hoscoo bridges them with a multi-currency ledger, an FX translation layer and per-corridor Nostro / Vostro position keeping.

Tanzania

Dar es Salaam

Live

TZS2 minor units

SwitchTIPS

Banks37

Wallets6

Bank of Tanzania

Kenya

Nairobi

Pilot

KES2 minor units

SwitchPesaLink

Banks38

Wallets3

Central Bank of Kenya

Uganda

Kampala

Planned

UGX0 minor units

SwitchBilateral

Banks25

Wallets3

Bank of Uganda

Rwanda

Kigali

Planned

RWF0 minor units

SwitcheKash

Banks11

Wallets3

National Bank of Rwanda

Worked example — KES buyer, TZS merchant

One instruction, two switches, one FX conversion, one settlement position.

Pilot corridor

01Debit leg — Nairobi
KSh 5,000.00
KES wallet debited, PIN authorised on the payer's handset
02Kenya switch
PesaLink
Instruction accepted by the KES rail and handed to Hoscoo
03FX translation
1 KES = 20.6082 TZS
Mid rate 20.7430 · 65 bps corridor spread · quote locked 30s
04Regional settlement
T+0 net
KES Nostro debited, TZS Vostro credited, net position updated
05Credit leg — Dar es Salaam
TSh 103,041.02
Least-cost rail selected, merchant account or wallet credited

HoscooOrchestration, FX and settlement on one ledger

FX spread

TSh 674.15

Merchant receives

TSh 103,041.02

Corridor	Status	Settlement model	Target
TZS → TZSDomestic	Live	TIPS deferred net settlement, same day	Real time
KES → TZS	Pilot	Prefunded Nostro in KES, T+0 net position	Under 60s target
TZS → KES	Pilot	Prefunded Nostro in KES, T+0 net position	Under 60s target
UGX → TZS	Planned	Correspondent bank, T+0 net position	Design target under 60s
RWF → TZS	Planned	Correspondent bank, T+1 net position	Design target under 60s

Tanzania is the licensed home market. Corridor availability outside Tanzania is indicative and subject to per-jurisdiction licensing and partner agreements — rates shown are illustrative, not quotable.

Cost engine

The cheapest rail is not the same rail twice

Wallet rails price as a pure percentage. Bank A2A carries a flat fee and thin basis points. That means the optimal route flips at a specific amount — and flips again at every wallet ceiling. The engine evaluates live fee structures, success rates and rail health on every instruction.

Transfer amount

TSh

Account classification

Crossover point

TSh 142,857

Derived from the fee matrix, not hardcoded. Below this, wallet wins. Above it, bank A2A wins.

Selected route

M-Pesa wallet payout

TSh 300

120 bps effective

Low-value retail. Below the TSh 142,857 crossover a pure-percentage wallet rail beats the bank rail's flat fee.

Saves TSh 1,238 vs the most expensive eligible rail

Live cost matrix

Trip a rail to watch failover

M-Pesa wallet payout
Healthy
Lowest landed cost among healthy eligible rails
120 bps
98.6% · 8.2s
TSh 300
Airtel Money payout
Healthy
Standby · +TSh 38
135 bps
98.1% · 9.6s
TSh 338
Bank A2A open banking
Healthy
Standby · +TSh 1,238
TSh 1,500 + 15 bps
99.2% · 12.8s
TSh 1,538
Selcom Pesa payout
Degraded
Eligible
110 bps
97.4% · 11.4s
TSh 275

Fee structures shown are indicative. In production the matrix is fed by per-participant pricing, rolling success rates and health probes, and the circuit breaker opens on latency or timeout thresholds rather than manually.

Live demo

A checkout that speaks every rail

Choose an account type, pick a channel, and select any connected provider. Hoscoo normalizes and signs the request, clears it through TIPS or our own acquiring stack, and streams the transaction status back in real time — the same flow your customers would experience.

Personal and Business account journeys with distinct limits.
Bank, mobile money, cross-network bank ↔ wallet, and card.
Live status polling until the transaction reaches a terminal state.

Hoscoo Checkout

A live sandbox checkout. No real funds move.

SANDBOX

Account type

Simplified single-step checkout
Personal budgeting and spend views
P2P and P2B transfers
Instant receipt to SMS and email
Per-transaction limitTZS 20,000,000

Payment method

Account-to-account transfer authorised inside your own bank. No card details, no manual entry.

Commercial banks

Development banks

Community banks

Microfinance banks

You authorise the debit inside your own banking app. Hoscoo never sees your credentials.

Routing overTIPS / A2A

Coverage

The whole market, behind one integration

Every licensed participant on TIPS is reachable through Hoscoo, from tier-one commercial banks to community microfinance and mobile money wallets.

Banks

37+

Commercial, development, community & microfinance

CRDBNMBNBCEximDTBStanbicStanChartAbsaAzania+28 more

Mobile money

Every national USSD wallet operator

M-PesaMixx by YasAirtel MoneyHaloPesaTTCL PesaSelcom Pesa

Hoscoo gateway

Direct card acquiring on our own BoT-regulated switch

Hoscoo Direct CardHoscoo TIPS QRHoscoo Agent Collect

Cross-network interoperability

Move money from any bank account to any mobile wallet — and back — with beneficiary aliases resolved automatically before clearing.

474

directional bank ↔ wallet pairs

Developer API

Two endpoints. Every payment.

Initiate a payment on any of the five channels, then poll a single status endpoint that returns the same lifecycle everywhere. Every response carries an HMAC-SHA256 signature in the X-Hoscoo-Signature header. The demo below is powered by these exact routes running in this app.

POST/api/initiate-payment

curl https://api.hoscoo.co.tz/v1/initiate-payment \
  -H "Authorization: Bearer $HOSCOO_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 45000,
    "currency": "TZS",
    "channel": "CROSS_BANK_TO_MNO",
    "accountType": "BUSINESS",
    "source": {
      "providerCode": "CRDB",
      "accountIdentifier": "0150123456789"
    },
    "destination": {
      "providerCode": "VODACOM_MPESA",
      "accountIdentifier": "0754123456"
    },
    "reference": "INV-2043"
  }'

200response

{
  "transactionId": "HSC-...",
  "status": "PENDING_AUTHORIZATION",
  "tipsReference": "TIPS-...",
  "channel": "CROSS_BANK_TO_MNO",
  "source":      { "kind": "BANK", "direction": "DEBIT",  ... },
  "destination": { "kind": "MNO",  "direction": "CREDIT", ... },
  "beneficiary": {
    "status": "MAPPED",
    "registeredName": "A. MWAKALINGA",
    "aliasType": "ACCOUNT_TO_PHONE"
  },
  "signature": { "algorithm": "HMAC-SHA256", "keyId": "hsc_live_..." },
  "statusUrl": "/api/payment-status?transactionId=HSC-..."
}

GET/api/payment-status

GET /api/payment-status?transactionId=hos_txn_8Q2K...
  -H "Authorization: Bearer $HOSCOO_KEY"

200response

{
  "transactionId": "HSC-...",
  "status": "COMPLETED",
  "isTerminal": true,
  "crossNetwork": true,
  "timeline": [
    { "status": "PENDING_AUTHORIZATION", "at": "..." },
    { "status": "AUTHORIZED",            "at": "..." },
    { "status": "ROUTING",               "at": "..." },
    { "status": "SETTLING",              "at": "..." },
    { "status": "COMPLETED",             "at": "..." }
  ],
  "settledAt": "..."
}

Early access cohort

One API. Every way Tanzania pays. Zero fragmentation.

Stop maintaining separate connections for M-Pesa, Tigo, Airtel, and commercial banks. Join the early access cohort to secure zero-rated base fees for your first 3 months.

Tanzania-first rails One integration surface

0Businesses in queue

TZS 0Projected monthly volume

0Sandbox requests

Choose your path

Tell us what you are building.

We will route your request to the right early access track and follow up with the next useful step.

Let's build better payment infrastructure together.

Talk to the Hoscoo team about payment orchestration, TIPS connectivity, and building reliable payment experiences in Tanzania.

General enquiriescontact@hoscoo.com Head officehq@hoscoo.com

Head officeMawasiliano Tower, Dar es Salaam, Tanzania