Embedded wallet · part of Thuma Express

Your money moves faster than you do.

ThumaPay is the wallet behind every payment, payout, and advance on the Thuma platform — instant, transparent, and never charging a fee you can't see coming.

Fees and tax shown before you confirm
TRANSFER RECEIPT
$
ThumaPay fee (flat 1.5%) $0.75
IMTT (2%, per RBZ requirement) $1.00
Recipient receives $50.00
Total deducted from wallet $51.75

Every fee shown before you confirm — nothing added at settlement. This is an illustrative calculation; actual fees are confirmed in-app at time of transfer.

One wallet, every side of the platform.

ThumaPay isn't a separate app — it's the money layer running underneath everything you already do on Thuma.

Senders

Pay for delivery

Pay for any Thuma Express or ThumaDrop booking straight from your wallet — no card, no cash needed.

Drivers

Get paid out

Earnings land in your wallet after every trip. Withdraw to EcoCash, InnBucks, OneMoney, or bank.

Fleet owners

Receive settlements

Full settlement statements across your whole fleet, itemised and reconciled automatically.

Passengers

Pay for rides

ThumaRide and ThumaChauffeur trips settle instantly through the same wallet — one balance, every mode.

Works with the money you already use.

Top up or withdraw through the mobile money and banking rails already part of everyday life in Zimbabwe.

EcoCash
InnBucks
OneMoney
Bank transfer
ThumaHub cash-in / cash-out

Need working capital between payouts?

ThumaCredit gives verified drivers a fuel advance repaid automatically from future earnings — one flat fee, always disclosed, never called a loan.

Explore ThumaCredit

Your money, moving with you.

Available to every Thuma Express user across Zimbabwe.