Direct Transfer
Send money instantly to mobile wallets or bank accounts, whether across borders or within local markets.
Tilt supports real-time transfers in multiple currencies, giving you full reach and flexibility across Africa’s financial landscape.
Z CODE Vouchers
Send a Z CODE Voucher to your recipients, allowing flexible redemption in cash at an agent, via ATM, or into a wallet or bank account of their choice.
It’s the perfect blend of receiver choice and sender control—with real-time redemption tracking and the ability to cancel or refund at any time.
Request to Pay
Request to Pay makes collections simpler and smarter.
Initiate payment requests directly to your customers’ mobile wallets or banking apps, allowing them to approve and pay in real time. Ideal for markets with high wallet penetration, this method ensures faster settlement, better visibility, and improved customer experience.
Virtual Accounts
Virtual Accounts give you a scalable, bank-grade way to collect payments with ease.
Assign unique account numbers to each customer or transaction, enabling instant reconciliation and seamless tracking of incoming funds.
Cash
Cash Collections ensure you can reach customers even in the most cash-reliant markets.
Leverage our trusted agent network to collect deposits in person, with real-time tracking and centralised settlement. Ideal for underserved areas or customers without access to digital channels.
Businesses or NGO's can pay many individuals in hard-to-reach or under-banked areas. The use of Z-Codes, cash agents, mobile wallets, or banks gives recipients choice. Useful for wages, beneficiary payments or cash transfers. Use our online web platform for quick access to services with no technical integration needed.
Reach remote or unbanked areas
Multi-channel distribution
Online web platform
Employers can make bulk payments to banked or unbanked workers via mobile wallets, banks or agents, with tracking and proof of payment. Helps reduce cash handling risk and increases speed.
Pay banked or unbanked recipients
Tracking & proof of payments
Insurance firms can more easily disburse funds to claimants using interoperable Z-Codes or direct transfers. Gives claimants options of cash or digital channels. Ensures proof & tracking.
Cash or digital options
Voucher or direct transfers
Insurance firms can more easily disburse funds to claimants using interoperable Z-Codes or direct transfers. Gives claimants options of cash or digital channels. Ensures proof & tracking.
Unique merchant codes
Streamlined reconcilation
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A deep understanding of the financial services ecosystem
Born from a deep understanding of Africa's diverse payment landscape, Tilt was created to address the inefficiencies and fragmentation hindering cross-border commerce. We assembled a team of fintech veterans and local market experts, committed to building a platform that not only meets current needs but anticipates future demands. Our journey is one of relentless innovation, driven by the success of our partners.
Tilt is the Fintech brand of Zoona, a payments business licensed in Zambia since 2009. With a proven track record of reliability, regulatory compliance, and innovation, Zoona has built deep trust across the financial services ecosystem.
Tilt builds on this foundation with the agility of a modern tech platform. We enable secure, high-volume transactions while adapting quickly to client needs and evolving market demands.
Ready to elevate your Pan-African payment strategy?
Our team is here to answer your questions, provide a personalised demo, or help you get started with Tilt.