Integrated with Tanzania Instant Payment System (TIPS)

One API for every way Tanzania pays

Hoscoo is the interoperable orchestration layer that routes account-to-account transfers, mobile money, cross-network bank-to-wallet payments and direct card acquiring across the national rails — so you integrate once and reach the entire market.

Try the live checkout Read the API docs

Connected banks: 37+
Mobile wallets: 5
Payment channels: 5
Median settlement: < 15s

BoT-aligned, ISO 20022 messagingReal-time status webhooks

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": "CROSS_BANK_TO_MNO",

"source": { ... },

"destination": { ... }

}

HoscooOrchestration & smart routing

Pay by Bank

37+ banks · TIPS / A2A

Pay by MNO

5 wallets · TIPS / Wallet

Bank ↔ Wallet

Cross-network · TIPS / Cross-net

Card & Direct

Visa, Mastercard, Amex · Hoscoo / Card

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 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.

370

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": "..."
}