Send money for any online purchase in Uganda or Kenya — payment is held safely until you confirm you received exactly what you ordered. Seller doesn't deliver? Full refund. Automatically.
Seller disappears after payment
You paid the deposit. Seller confirms. Then goes quiet. No delivery. No refund. No recourse.
Wrong item arrives
Photo showed one thing. What arrived was completely different. Seller says 'that's what you ordered.' You have zero leverage.
'Delivery tomorrow' for 3 weeks
It's always 'coming tomorrow.' You've already paid. You can't do anything. You just wait and hope.
You agree on an item
Found something on Jiji, WhatsApp, Instagram, or anywhere else? Agree on a price and a delivery time with the seller.
You protect the payment
Instead of sending money directly, you commit it through TumaFare. The seller can see the payment is real and waiting — they just can't access it yet.
Seller delivers
Seller brings or ships the item. Because the money is already committed, they are motivated to deliver properly.
You confirm receipt
You receive the item. You're happy with it. You tap Confirm. Payment releases instantly to the seller via Mobile Money.
Item not right? Don't approve.
Wrong item, damaged goods, or no delivery? Timer runs out and your payment returns automatically. No arguments. No support ticket. Just a refund.
Wherever you're buying — Jiji, PigiaMe, WhatsApp groups, Instagram sellers, or anywhere else — TumaFare protects your payment.
Does TumaFare work for buying items on Jiji or WhatsApp?
Yes. TumaFare works for any transaction where you want to pay only after receiving what you agreed on. Share the TumaFare payment link with your seller — if they're genuine, they'll be happy to use it.
What if the seller refuses to use TumaFare?
That's a red flag. Legitimate sellers who intend to deliver have nothing to lose. A seller who refuses a protected payment usually knows they won't deliver.
How does the seller know the money is real?
The moment you approve the Mobile Money prompt, the payment is committed. The seller gets an SMS confirmation showing the amount is protected and waiting for their delivery.
What happens if I don't confirm delivery?
The payment expires after the agreed time and returns to you automatically. No manual action needed.
Does this work for high-value items like electronics?
Yes. In fact, the higher the value, the more important payment protection is. TumaFare is especially useful for items like phones, laptops, furniture, and appliances bought from individual sellers.
Works on MTN, Airtel, and M-PESA. Uganda and Kenya.
Protect a Purchase →