Zuma is live in: All markets →
Zuma › 🇨🇩 DR Congo › Zuma Pay
💳 Launching soon

Zuma Pay in DR Congo

Receive, send and save money. Deposit from mobile money or bank, cash out to mobile money or bank — with a PIN, limits and a full ledger.

How you pay in DR Congo

Everything is priced in CDF (FC). No foreign card required.

M-Pesa Orange Money Airtel Money USD cash

Payments in this market fall under Central Bank of the Congo (BCC). See our licensing status →

Where in DR Congo

Cities queued for launch.

Kinshasa Lubumbashi Goma
Not live here yet

Be first when Zuma opens in DR Congo

We open a market when there are enough verified drivers, vendors and listings to serve it properly — not a day earlier. Waitlist demand is the biggest input into which city we open next, so adding your name genuinely moves DR Congo up the queue.

One email when we launch. No marketing list, no sharing your number.

Everything inside Zuma Pay

Merchant-side acceptance and settlement. The consumer balance is Zuma Wallet; borrowing is Zuma Loans.

Accept payments

  • QR code at the till per transaction
  • Payment link / invoice per transaction
  • Online checkout & API per transaction
  • USSD payment (no smartphone) per transaction
  • Card terminal / POS per month
  • Recurring billing & subscriptions per transaction

Receive money

  • Pay link & QR code per transfer
  • Request money per transfer
  • Deposit from mobile money per deposit
  • Deposit from bank per deposit

Send money

  • Send to a Zuma user (free) per transfer
  • Send to mobile money per payout
  • Send to bank account per payout
  • Pay a bill or merchant QR per transfer

Save money

  • Savings pockets & goals per savings
  • Auto-save on every deposit per savings
  • Locked savings with interest per savings

Security

  • Transaction PIN per security
  • ID verification (KYC tiers) per security
  • Statements & audit trail per statement

Get paid out

  • Same-day mobile money settlement per payout
  • Bank settlement per payout
  • Multi-currency settlement per payout
  • Split payouts to partners per payout

Business tools

  • Sales dashboard & reconciliation per month
  • Staff tills with permissions per month
  • Refunds & dispute handling per transaction
  • Tax-ready statements per month

How Zuma Pay works

Receive, send and save money. Deposit from mobile money or bank, cash out to mobile money or bank — with a PIN, limits and a full ledger.

  1. 1
    Register the business provider

    Business name, category, and the payout account money should land in.

    ⚙ Merchant record created, sandbox keys issued

  2. 2
    Verify and license-check zuma

    KYB against the market’s regulatory requirements before live keys.

    ⚙ KYB checks, sanctions screen, regulator-specific rules per country

  3. 3
    Choose acceptance methods provider

    QR, link, checkout, USSD or terminal — whatever the customers actually use locally.

    ⚙ Rails enabled per country from the payment_rails matrix

  4. 4
    Pay on a familiar rail customer

    M-Pesa, MoMo, OPay, Wave, card — the customer never learns a new habit.

    ⚙ Rail routed, idempotency key held, retries on timeout

  5. 5
    Confirm, settle, reconcile zuma

    Merchant notified in seconds; funds settle on the agreed cycle.

    ⚙ Ledger double-entry, settlement batch, webhook to merchant

Common questions

Is Zuma Pay available in DR Congo?

Not yet. Zuma has not opened Zuma Pay in DR Congo, and we would rather say so than take a booking we cannot fulfil. Join the waitlist and you will hear from us the day it opens.

When will Zuma launch in DR Congo?

DR Congo is in tier 2 of the rollout. We open a market when there are enough verified providers on the ground to serve it properly — waitlist demand is the main input into which city comes next.

What will I be able to pay with in DR Congo?

Zuma will support M-Pesa, Orange Money, Airtel Money and USD cash, priced in CDF.

Related Zuma services in DR Congo

📊Zuma Budget 🤝Zuma Lenders 🏦Zuma Loans

Zuma Pay in other markets

🇧🇮Burundi 🇰🇲Comoros 🇩🇯Djibouti 🇪🇷Eritrea 🇪🇹Ethiopia 🇬🇭Ghana 🇰🇪Kenya 🇲🇬Madagascar