Business

Coming soon to Zambia and DR Congo

Pay in shops for free. Send money in seconds.

ViPPi is the mobile wallet that makes everyday payments easy, fast and transparent. Send money to friends and family, pay in shops with a QR code, and top up or cash out through mobile money and local agents.

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We’ll send one SMS when ViPPi opens near you. Nothing else. We store only your phone number, country and language. Privacy policy

ViPPi app home screen showing a kwacha balance, quick actions and recent activity

One wallet. Total freedom.

ViPPi app sending K 50 for free, with the total shown before confirming

Send money in seconds

Send to anyone on ViPPi with just their phone number. Transfers up to K 50 are free.

Keep more of your money, every time you send or spend.

ViPPi app paying a shop: K 134.43 to Shoprite Manda Hill, no fee

Scan, pay, done.

Scan the QR code at the café, the taxi, the supermarket or the market stall, and confirm with your PIN. Paying in shops is free.

Cash is optional. Convenience is not.

ViPPi app add money screen with mobile money, agent and bank options

Your money, whenever you need it

Top up or withdraw through mobile money, a ViPPi agent or your bank, whether you’re buying groceries, sending money home or just need a bit of cash.

Fits into your day, not the other way round.

ViPPi app list of recurring payments

Pay regular bills automatically

Approve rent, school fees or subscriptions once. Pause or cancel whenever you want.

Set it once. Stay in control.

Say goodbye to hidden fees

The amount, the fee, the exchange rate and when the money arrives are on one screen before you confirm. What you see is what you pay.

See all fees
  • Free Paying in shops
  • Free Transfers up to K 50
  • Low Capped fees on larger transfers, always shown before you confirm

For shops and agents

Accept payments. Keep more of them.

No card machine, no installation: the phone or tablet you already have is your till.

ViPPi shop till showing a QR code for K 150.00

ViPPi for shops

Show a QR code at the till and get paid in seconds. Close the day with a clear report.

  • Works on Android and iOS phones and tablets
  • Refunds approved by a manager
  • Staff get their own PIN and role
Sign up your shop
ViPPi agent app showing float, daily limit and earnings

Become a ViPPi agent

Earn while you serve. Get commission on every cash in and cash out, and see your float, limits and earnings in one app.

  • Commission paid on every transaction
  • Customers approve on their own phone
  • Raise your limits as your business grows
Apply to be an agent

Developers

Recurring payments API

Offer subscriptions and instalments to ViPPi customers. Each customer approves the mandate in their wallet, and you get a webhook for every payment.

  • REST + OAuth 2.0
  • Webhooks
  • Test environment
Read the API docs 
POST /v1/mandates
{
  "customer": "+260971234567",
  "amount": { "value": "150.00", "currency": "ZMW" },
  "interval": "monthly",
  "description": "Gym membership"
}

→ 201  { "id": "mdt_8Q2K", "status": "pending_approval" }
→ webhook  mandate.approved
→ webhook  payment.succeeded

Built to protect your money

  • Your PIN, your phone

    Every payment needs your PIN or fingerprint. A lost phone doesn’t mean lost money.

  • Verified accounts

    Every person and business on ViPPi confirms their identity before they can send large amounts.

  • Supervised launch

    ViPPi is applying to the Bank of Zambia regulatory sandbox, where new payment services launch under the central bank’s supervision.

  • Built on Stellar

    Payments settle on the Stellar network, an open payments network used by financial institutions around the world.

ViPPi will never ask for your PIN by phone, SMS or WhatsApp.

Made for Zambia and DR Congo

Zambia

Hold kwacha and US dollars, top up with mobile money, and pay shops across Lusaka and beyond.

  • Kwacha (ZMW)
  • English
  • Mobile money top-ups

DR Congo

Hold Congolese francs and US dollars, and use the whole app in French.

  • Franc (CDF)
  • US dollar
  • Français

Questions? We’ve got answers.

See all answers
How is ViPPi different from mobile money?

Three things. Paying in shops is free, and so are transfers up to K 50. ViPPi isn’t tied to one mobile network: anyone with a phone number can join and pay anyone else on ViPPi. And you see every fee before you confirm. You can still top up from mobile money and cash out to it.

What does ViPPi cost to use?

Paying in shops is free. Sending up to K 50 to anyone on ViPPi is free. Larger transfers have a low, capped fee. Adding money and cashing out depends on the method you choose, and agents may charge their own small fee. You always see the fee before you confirm, with no hidden costs. The full fee schedule will be published at launch.

Is my money safe with ViPPi?

Every payment needs your PIN or fingerprint on your own phone, so even if someone gets hold of your phone, they can’t move your money. Everyone on ViPPi verifies their identity before they can send large amounts, and ViPPi will never ask for your PIN.

Is ViPPi regulated?

ViPPi is applying to the Bank of Zambia regulatory sandbox, where new payment services launch under the central bank’s supervision. Identity checks (KYC), anti-money-laundering checks and transaction monitoring are built in from day one.

When will ViPPi be available?

ViPPi is applying to the Bank of Zambia regulatory sandbox. Join the waitlist and we’ll text you when you can sign up.

Be first when ViPPi opens near you

Join the waitlist for the wallet, or sign up your shop or agent business for the pilot.

Join the waitlist Sign up your business