Buy now.
Pay later.
Build credit.
Shop from Zambian merchants and pay in 3 instalments via MTN MoMo or Airtel Money. No bank account. No paperwork. Just your phone.
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Simple process
Three steps to start
No branches. No queues. Everything happens on your phone.
Apply with your phone
Enter your name and NRC number, then link your MoMo or Airtel Money account. Takes under 2 minutes. Credit decision is instant.
Shop at partner merchants
Browse our growing list of Zambian merchants — electronics, groceries, school supplies, and more. Choose Tupane at checkout.
Pay in 3 instalments
Split your purchase into 3 equal payments via mobile money. Each on-time payment builds your credit score for bigger limits next time.
Early signups
Partner merchants
Kwacha credit disbursed
Target repayment rate
Why Tupane
Built differently
Everything designed around how Zambians already live and pay.
Mobile money native
Every payment flows through MTN MoMo or Airtel Money. No bank transfers, no cards. Just the wallet you already use every day.
Credit that grows with you
Start with K 500. Every on-time payment raises your score and your limit — up to K 5,000 as you build your history.
Instant approval
No waiting days for a credit decision. Our risk model runs in seconds. Know your limit immediately after applying.
Flexible repayment
3-instalment plans designed around Zambian pay cycles. Pay weekly, bi-weekly, or monthly — whichever suits you.
Why Tupane exists
Dabwitso Mweemba
Founder & CEO
Tupane Payments Ltd
We’re not just changing how people pay. We’re building the financial infrastructure for a more inclusive Zambia.
Be the first to
build credit
your way.
Tupane is launching soon. Join the waitlist and get early access — plus first pick on merchant partnerships.
Takes about 1 minute · No spam