Tola Mobile was formed, incorporated and has been processing traffic since 2015, based on early SMS capability from 2005.

Tola Mobile operates with in-region presence in Kenya, Tanzania, Ghana, Mozambique, Uganda, Rwanda, Malawi and Zambia

Experienced Management
The Tola Senior Management Team and Executives have deep industry experience each with 25 to 30 years in the IT and Telecoms industry from large multi-national publicly traded organizations and start-up to exit enterprises, as well as over 12 years experience working in Africa, developing significant connections and influence to get things done.

Tola’s strategy is driven by a management team based between Nairobi and Ireland.

Tola’s ambition is to connect to every wallet in Africa thereby allowing Tola merchants to transact with as many wallet consumers as possible. The immediate growth plan covers expansion into 22 new countries, making Tola operational in 28 countries.

Mobile money, made simple
In Africa, more people use mobile phones than have bank accounts. Tola Mobile gives you a simple and secure way to connect with this growing and valuable customer base.

We work by enabling merchant businesses to take and make payments directly from Mobile Operator Wallets. Customers deposit funds in their Mobile Money Wallet and then use them with any Tola-enabled merchant business.

Our technology has processed more than 500 million transactions equating to funds worth over $250 million, making us the fastest growing mobile wallet integration technology provider in sub-Saharan Africa.

The mobile wallet ecosystem has grown significantly within the African market as consumers and merchants look for faster and more resilient ways to make and receive payments. Given the exponential growth of the wallet adoption and business enablement, Tola Mobile anticipates to be processing one million daily transactions within the next 12 months.

Simple
Easy to implement and easy to use, Tola Mobile adds value for everyone involved in mobile wallets - merchant, MNO and consumer

Direct Carrier Billing security - Mobilepay, SMS
Secure
The Tola platform securely connects many merchant businesses to multiple MNO Wallet infrastructures, while providing complete transactional integrity

Direct Carrier Billing for the Unbanked
Inclusive
Get direct access to 1 billion unbanked people in Africa who use mobile money to pay for goods and services

Tola Mobile’s product portfolio is comprised of a platform and a set of services to enable mobile-centric merchant businesses

Wallet Platform
Tola.wallet is a Mobile Wallet technology integration platform.

One connection to Tola enables merchant businesses to transact with millions of mobile money consumers in multiple markets!

Once integrated to Tola, a merchant business is not required to integrate directly with each individual different Mobile Wallet technologies across many regions.

Tola manages and maintains these integrations, as well as utilizing a powerful transaction platform, that provides reporting on your transactions in all regions, and transaction integrity for all Mobile Wallet transactions.

What’s important with Tola, is that the merchant business maintains its own Paybill, you manage the funds in the Paybill, Tola is not part of the flow of funds from your customers.

In addition to the support of Mobile Wallet integrations, the Tola platform also supports credit card payments, initially in Kenya, Uganda and Nigeria. By facilitating the initiation of the payment acquisition, PCI-DSS compliance overhead is reduced for the merchant business.

Mobile Enablement
This set of services enable mobile centric merchant businesses to extend their product offerings to customers through the Mobile handset.

SMS Messaging to support the merchant business, product or service offerings. May include Receipts, Notifications, Customer Relationship Marketing (CRM) messages or messages that initiate service interaction by the customer.

Custom USSD menus allow the subscriber to interact through a text-based menu sub-system to consume information and request services.

eCommerce Widgets and ‘Plugins’ that initiate Mobile Wallet payments for goods and services offered by the merchant business. These are either for specific frameworks or bespoke hosted Widgets.

Markets
Gaming and Gambling, gamers
Gaming & Sportsbook
This industry in Africa has grown significantly with the adoption of Mobile money. The instant nature of payments into an on-line Game or Betting site drives ease of engagement, and instant payment or withdrawal of winnings provides consumer confidence.

The Games cover everything from simple numbers games, Lottery, ‘Spin & Win’, Casino and Virtual Sports. Sportsbook platforms provide betting services on a variety of sports including football, cricket, rugby, tennis and baseball.

Tola provides Mobile Wallet integration for the funding of Accounts and payout of Winnings/Prizes, as well SMS notifications to the player, ‘Betting by SMS’ instruction and fully customized USSD Menus replicating website functions.

Healthcare
The provision of on-line purchase of pharmacy goods, medical supplies or medical services with payment made by Mobile Money, directly from the customer Mobile Wallet.

E-Commerce
Online Checkout processing using Mobile Wallets for the payment of goods and services offered by merchants through their E-commerce enabled websites.

Tola provides eCommerce Widgets and ‘Plugins’ that initiate Mobile Wallet payments for goods and services offered by the merchant business. These are either for specific frameworks or bespoke hosted Widgets.

Services Billing
Payments facilitation for the provision of Utility and Media services through Mobile Wallet integration, along with SMS notification for receipts, billing and service provision.

Parking, director operator billing for parking, billing for parking
Transportation, Logistics & Travel Ticketing
Payment for fares, shipments and tickets on various types of Transportation and travel services.

NGO / Gov Depts / Payroll Fulfilment
The payment distribution from organisations and business to individuals through Mobile Wallets, such as Pension, Payroll, Welfare payments, Subsidiary payments.

Conversely, the regular periodic payment to organisations and business, whether Annual/Monthly/Weekly payments for Taxes due, Licences, Education fees, etc.

Finance / Fin-Tech
Payment of Policy Premiums through Mobile Wallets, the fulfillment of out-payments from claims or loans and servicing repayments.

Tola can also cater for International Remittances where the payment initiator and target recipient are located in different countries.

Our simple mobile wallet integration solutions add value to all parties in the mobile money ecosystem – Merchant, MNO and Subscriber
The Tola platforms offer the single largest opportunity for different customer types; MNO’S and merchants worldwide to enable applications and service to avail of Mobile Money, offering a better and more inclusive experience to customers to pay for goods and services. With our proven technology, in-depth expertise and fast implementation times, we make it easy to do business in a mobile centric world.

Merchants
Use a single API to connect to multiple Wallet technologies in different regions, and benefit from complete transaction integrity on your Mobile Wallet transactions.

Mobile Network Operators
Tola will integrate multiple merchants to your Mobile Wallet infrastructure, while maintaining your visibility of their services and the interactions with your subscriber base. You remain in control, while Tola provides the Wallet integration technology.

Subscribers
Tola provides transaction integrity to all Mobile Wallet transactions, so payments to, and from them are never lost again.