Payment Solution

Unlock Efficiency and Security
with Advanced Payment Solutions

Our innovative payment solutions are designed to enhance efficiency, security, and convenience. Catering to the diverse needs of businesses and individuals, we ensure smooth and reliable transactions every time. Discover our comprehensive suite of services, tailored to meet your specific requirements and elevate your financial operations.

Why Choose Our Payment Solutions?
  • Efficiency: Optimize your payment processes with our seamless transaction systems.
  • Security: Protect your financial data with advanced security measures.
  • Convenience: Enjoy flexible payment options that suit your unique requirements.
  • Reliability: Ensure consistent and dependable transaction processing.
  • Scalability: Easily adapt to your growing business needs with our scalable solutions.

Driving Solutions in Payment Systems

we turn every transaction into an opportunity for growth. By leveraging advanced payment
technologies, we empower businesses and individuals with seamless, secure, and efficient
payment processes. Our comprehensive suite of Payment Solutions is designed to meet
diverse financial needs, providing the foundation for financial freedom and informed
decision-making.

Total control of money in and money out

Payments Gateway

Receive electronic payments straight into your operational systems and pay beneficiaries directly from them. Reconciliation happens automatically, so costly human errors and fraud from manual payments disappear.


Customers can pay with InnBucks, Visa and Mastercard, direct bank EFT and EcoCash, on any device or by USSD.

Who it’s for
  • Utilities, billers and local authorities
  • Retailers
  • Agents who collect payments on commission
  • Financial and micro-finance institutions
Key features
  • Processes incoming collections and outgoing payments
  • Seamless integration with your own systems, with no human intervention
  • Payments land in your billing and accounting systems and pay out directly to beneficiaries
  • Automated reconciliation
High-volume transactions without time-outs

Financial Transactions Switch

A tried-and-tested, high-performance transaction switch for organisations enabling multiple electronic channels. It solves slow transactions and time-outs at volume.

Who it’s for
  • Banks and micro-finance institutions
  • Telecommunication companies
  • Retailers
Key features
  • High performance under heavy load
  • Integrates with known banking systems such as Equation, T24, Postilion and SmartVista
  • High-availability clusters for fail-over and load-balancing
  • Flexible financial models for organisations of any size
  • Management portal and dashboard for full control and visibility
Fees paid at the bank, posted to the school

Bill payments for school fees

Automated collection of school, college and university fees. Banks collect on behalf of education clients and payments post straight into the school’s accounting system.

Who it’s for
  • Schools, colleges and universities
  • Banks serving the education sector
Key features
  • Payments integrated into the school accounting system
  • Automated reconciliation
  • Eliminates human mistakes and fraud
  • Removes cash-handling costs for schools
Every revenue line, allocated automatically

Bill collections for local authorities

Councils receive payments from every bank and electronic channel, integrated into their billing and financial systems such as Promun.

Who it’s for
  • Local authorities
  • Banks collecting for council clients
Key features
  • Automated allocation to revenue lines such as rates, rentals and refuse collection
  • Payments from all banks and electronic channels
  • Automated reconciliation
  • Eliminates human mistakes, fraud and cash-handling costs
Device and software, customised for you

Mobile POS

A customisable mPOS solution that combines the physical device with the software that runs on it, turning phones and terminals into points of sale.

Who it’s for
  • Banks
  • Merchants
  • Agency banking agents
Key features
  • Fast development turnaround
  • Flexible financial models
  • Magnetic stripe, EMV, biometric authentication and NFC
  • PCI DSS compliant
Your brand, our platform

e-Wallets & agency banking

White-labelled digital wallets for secure, real-time transactions, plus agency banking that lets agents take deposits and offer financial services beyond your branches.

Who it’s for
  • Banks
  • Micro-finance institutions
  • Mobile money operators
Key features
  • Customer wallets under your own brand
  • Send, receive and pay in real time
  • Agents perform transactions and accept deposits
  • Extends services to underserved areas
Assess, issue and recover with no manual steps

Micro-loans Management System

Manage microcredit end to end, from automatic credit-rating to issuing and recovery, with no human intervention. Loans can be linked to products such as airtime or electricity tokens.

Who it’s for
  • Banks
  • Micro-finance and microcredit institutions
  • Telecommunication companies
  • Retailers
Key features
  • Instant automated loan assessment using AI and analytics
  • Automated recovery using “hunting” facilities
  • Product-based micro-loans for tokens, airtime or retail goods
  • Management console and reporting
Create, distribute and redeem value securely

Vouchers Management

Create, manage, distribute and redeem vouchers for tickets, promotions and cash or product distribution. Hosted for you, so there is no IT investment, with support for printed scratch cards.

Who it’s for
  • Telecommunication companies
  • NGOs distributing aid and cash
  • Retailers running promotions
  • Financial institutions taking deposits
Key features
  • Fast voucher number generation
  • Encryption and cryptography for security
  • Full lifecycle: create, distribute, track, expire, void, redeem, archive
  • Printed physical vouchers (scratch cards)
  • Cloud-hosted, ready without prior IT investment
Pay bills and buy airtime, online or by USSD

Zimpayments

Our consumer payments platform. Buy airtime, pay ZESA, school fees, council bills and more in one place, online or by dialing a USSD code on any phone, no internet needed.

Who it’s for
  • Households and individuals
  • Smartphone and feature-phone users
Key features
  • InnBucks, Visa and Mastercard, direct bank EFT and EcoCash
  • Real-time processing and instant confirmations
  • Detailed transaction history
  • Available 24/7, online and by USSD

Other solutions

Mobile messaging

Reach every customer on every network, by SMS, USSD and airtime

Prepaid metersing & utilities

SmartVend: tokens, meters and revenue collections for utilities and councils

Fiscalising & E-Invoicing

Fiscal Direct, Peppol e-invoicing and ZINARA-compliant forecourt POS

SOFTWARE DEVEOLPMENT

Mobile USSD, web and chatbot apps, integration and analytics. Java is our specialty

IBM software & platforms

IIBM licensing and support, plus our funeral assurance platform

UI/UX Design

dedicated to creating intuitive, engaging, and
aesthetically pleasing digital experiences.

A few things we’re great at

Our clients come from banking and financial services, telecommunications, insurance, utilities, local government and retail.

Banking & Finance

Wallets, agency banking, switches, micro-loans and digital channels.

Local Authorities

Prepaid water, bill collections, revenue and debt recovery.

Utilities

SmartVend prepaid electricity and revenue collection.

Telecommunications

Messaging, airtime, vouchers and billing integration.

Insurance & funeral

Funeral assurance platform, self-service and USSD apps.

Retail & FMCG

Payments, promotions, vouchers and analytics.

Fuel retail

Forecourt POS and fiscalised sales.

Schools & NGOs

School fee collections and voucher-based aid distribution.

Zimbabwe’s software development company since 2000. Payments, messaging, prepaid metering, fiscalisation and tailored software.
Qualified IBM Business Partner

Contact information

814 Off Grosvenor, Highlands, Harare
P.O. Box 90192, Harare, Zimbabwe
sales@esolutions.co.zw
+263 242 480 344 · 08677 186 284
© 2026 e-Solutions