Pay for the things that keep life moving.
Buy electricity, airtime, data & pay bills in seconds. No account needed.
OTP-securedEcoCash & SmileCashInstant SMS receipts
- 0.0M
- Payments
- 0s
- Checkout
- 0.00%
- Uptime
Pay for the services Zimbabwe runs on
ZESA
Econet
Nyaradzo
Doves
NetOne
TelOne
Utande
ZINWA
Harare Water
First Mutual Life
Cimas
DStv
- ZESA
- Econet
- Nyaradzo
- Doves
- NetOne
- TelOne
- Utande
- ZINWA
- Harare Water
- First Mutual Life
- Cimas
- DStv
One app for every everyday payment
Pick a service, enter a number, pay. Your token or receipt arrives in seconds.
Pay as a guest in three simple steps
Skip the forms. Create an account later only if you want to track history and earn rewards.
- 1
Choose a service
Electricity, airtime, data or a utility bill — tap what you need.
- 2
Enter the details
Meter or phone number, and the amount. We capture your number for the receipt only.
- 3
Pay and receive instantly
Confirm the payment and your token or confirmation lands in seconds.
Your token
1234 5678 9012 3456 7890
Available points
0
Tier
Gold
Next reward
180 pts away
Every payment pays you back
Log in with your phone number and an OTP to see your points, unlock rewards and track every transaction you've ever made.
Earn on every payment
Collect loyalty points automatically, even on guest checkouts tied to your number.
Redeem for rewards
Turn points into airtime, paid as a dollar value straight to your number.
Climb the tiers
The more you transact, the bigger the rewards your points can win.
Built to protect every transaction
SwiftPay treats security as a foundation, not a feature — so your money and your data stay yours.
End-to-end encryption
Every payment travels over HTTPS with bank-grade encryption.
OTP verification
Phone-based one-time passwords protect access to your account.
Multi-factor for Swift sellers
Swift sellers authenticate with password plus OTP and role-based access.
Immutable ledger
Every cent is recorded in an audit-ready, tamper-proof ledger.
Idempotent processing
Smart retries mean you are never charged twice for a payment.
Fraud monitoring
Transactions are screened in real time to keep your money safe.
Payments people actually rely on
From kitchen tables to shop counters — here is what everyday payments feel like when they just work.
“I used to queue at the ZESA office every month-end. Now I buy the token from my kitchen table and it lands on my phone before I lock the screen.”
Rutendo M.
Harare · Electricity tokens
“As a school bursar I reconcile dozens of fee payments a week. Every transaction has a receipt and a reference — my job went from days to minutes.”
Mrs. Dube
Gweru · School fees
“My tuck-shop is a Swift seller. Customers pay their bills at my counter, I earn commission on each one, and I take it out as cash whenever I need it.”
Tapiwa K.
Bulawayo · Swift seller
$1,240
Commission earned this month
Turn your counter into a payment point
Swift sellers take payments for their customers and earn commission on every sale. The customer keeps the loyalty points.
Earn commission
Get paid on every transaction you process for a customer.
Swift seller tiers
Bronze, Silver, Gold and Platinum, set by the volume you process.
Withdraw your way
Take your commission out as cash, airtime or a bill payment.
Questions, answered
Everything you need to know before your first payment. Still stuck? Our support team is one message away.
Do I need an account to make a payment?
No. Guest checkout is built in — pick a service, enter the meter or account number, and pay. An account only adds history, receipts in one place and loyalty points.
How fast do I get my electricity token?
Usually within seconds of confirmation. The token is sent to the phone number you enter, and it stays available on your receipt page if you misplace the SMS.
Which payment methods can I use?
EcoCash, SmileCash, Innbucks, Omari, eWallet, or a Visa or Mastercard card. You choose at checkout and confirm on your phone, with a PIN, a one-time code or your bank.
Is my money safe if a payment fails?
Yes. Payments are processed idempotently, so a retry can never charge you twice. If a biller rejects a payment, it is marked as failed and the reason is shown on your receipt.
How do I become a Swift seller?
Register as a Swift seller from the app, complete verification, and your counter becomes a payment point — with commission on every transaction, a tier that grows with your volume, and your earnings paid out as cash, airtime or a bill.
Ready to pay the swift way?
Make your first payment in under a minute. No account, no queues, no hassle.