How It Works

Get to know v-money app works

Mobile money agent and user purchase & scrap off V-Money voucher to obtain Pin numbers or QR code. Each Pin numbers/QR codes have E-Money value (e.g. TZS 100,00 etc).

Agent and user select top-up options

Through V-Money application:
Agent and user may enter Pin numbers manually or scan the QR code and top-up is done automatically.


Report for successful transaction
If Pins/QR codes are valid, E-Money amount is transferred from our account and cash in/top-up in agent's account.

How it works

benefits of V-money App

  1. Increase in Agent Network, therefore Job Creation
    Due to easy availability and convenience in top up, vouchers can easily reach majority mobile money agents due to existing strong distribution channels of airtime vouchers and therefore using the same network shall increase agents network. Currently, statistics show mobile money agents are less than 10% of the mobile money users, its easy for vouchers to reach majority agents in rural areas. Client's won't waste time finding agents with enough float since vouchers will be available for agents close to their places such as Retailers with shops/kiosks and others such as super market, and places closing late such as bars and restaurants and etc.
  2. Fast
    Currently, agents spend a lot of time and money taking a journey to a bank in-order to top-up their floats; but with V-Money, agents will not take a journey and stay in the bank queue waiting for top-up procedures due to the fact that these vouchers will be available close to agents' working places. V-Money vouchers will save time for both sellers and agents, due to most retailers with shops/kiosks prefer selling products with no extensive procedures KYC procedures such as airtime vouchers, same retailers (agents) will sell our vouchers to agents.
  3. Secure
    To get digital amount/mobile money amount in wallet, you have to top-up henceforth stolen vouchers can easily be traced and blocked through serial numbers recorded by a seller.
  4. 24 hours transaction, therefore increase in agents transactions
    Vouchers can be sold in places operating till late hours such as petrol stations, restaurants, bars, night clubs etc. Therefore, agents can still be able to top-up their float and transact day and night.
  5. Portable
    Vouchers are easily handled, a single voucher can represent high amount of e-money.