Reconciled through Moja
TZS1,050,292,100+
as of September 2026
Every sale. Every account.One clear view.
Moja shows a distributor every shilling their salespeople collected today, and which of it actually reached the bank.
How it works
Connect
The accounts a business already uses — banks, mobile money, and the cash a salesperson is carrying.
- Sources
- Statements
- Review
- Close
Sources
Where money lands. Salespeople declare against these; recon proves the money arrived.
- Registered
- Not linked
- Approved
- Registered
- Linked
- Approved
- Registered
- Linked
- Approved
- Registered
- Linked
- Approved
Match
What was declared against what actually arrived. The same amounts, both sides, or an exception.
Expected
Declared payments from committed order decisions.
Actual
Statement transactions pulled from statement-analysis through control.
Resolve
The day, closed: where the money came in, what is still with a salesperson, and who owes.
Payment mix
Where the money came in — control ledger plane
- CashTZS 5,310,000
- M-Pesa / BankTZS 11,660,000
- CreditTZS 1,450,000
Building something that needs connected financial accounts? Build with our APIs→
Questions
What is Moja?
Moja connects the accounts your business already uses — banks and mobile money — brings every transaction together in one place, and matches them against what your business actually sold. You see what your salespeople collected today and which of it reached the bank.
Who is it for?
Distributors running field sales teams in Tanzania. If you have salespeople collecting cash and mobile money out in the market, and you reconcile that against invoices by hand at the end of each day, Moja is built for your shape of business.
Why do I have to apply?
We onboard a small number of distributors at a time, and we publish how many slots are open. Every one gets set up by hand, with their accounts connected and their first month reconciled alongside them. An open signup would fill a queue we cannot serve. Applying means that when we say yes, we can actually start.
What does it cost?
Pricing depends on the number of routes and accounts you connect. We quote it during the demo, before you commit to anything, and there is no charge during onboarding.
What banks and wallets does it connect to?
M-Pesa, Airtel Money, Selcom, CRDB and NMB today. If you bank somewhere we have not connected yet, tell us in your application — it is usually the deciding factor in how quickly we can onboard you.
What happens to my data?
Your statements and transactions are yours. We read them to reconcile them, we do not sell them or share them with other customers, and we do not publish anything that identifies your business without asking you in writing first. You can ask us to delete everything and we will.
Apply for access
We currently have 5 open slots this month.
Every one is set up by hand — accounts connected, first month reconciled alongside you. Four short steps, about two minutes, mostly taps.
We reply within two business days.