How it works
Three steps, all from your phone
- 1Create a linkType the amount and what it is for — “Nike Air Force 1, MK35,000”. Swyipa shows what you will receive after OneKhusa's charge.
- 2Send it on WhatsAppShare the link in the chat, by SMS, or anywhere your customer is. They need no app and no account.
- 3They approve with their PINYour customer enters their number, gets a prompt on their phone, and approves it. Your request turns Paid.
What you see
Know who has paid, without asking
- Payment linksOne link for one customer and one amount. Share it on WhatsApp and send a reminder if they forget.
- CollectionsOne link that many people pay into — a group order, a wedding or funeral contribution — with a running total.
- Receipts and recordsYour customer gets a proof of payment as a PDF or image. You keep a record of every payment, with its OneKhusa reference.
- WithdrawalsMoney goes to your own bank or mobile money account at the end of each day, or withdraw sooner from My money.
Who it is for
Made for sellers who take orders by chat
Sneaker sellers
Air Force 1, size 42
MK35,000
Clothing and fabric
Chitenje dress, made to fit
MK18,500
Cake makers
Birthday cake deposit
MK15,000
Photographers
Graduation shoot
MK60,000
Freelancers
Logo design, first half
MK45,000
Small shops
Order for delivery
MK12,000
Example amounts only.
Pricing
Free to use. No monthly fee.
From Swyipa
MK0
- No setup fee and no monthly fee
- Unlimited payment links and collections
- Receipts and payment records included
Payments are processed by OneKhusa
OneKhusa is the payment company that moves the money from your customer's wallet to your account. It takes its own charge from each payment; Swyipa does not set it and does not add anything on top.
Before you send a link, Swyipa shows “You will receive about…” for that exact amount. Your customer always pays the amount you entered. A withdrawal may also carry a OneKhusa charge.
Full pricingWhy you can trust it
Paid means the money arrived
Confirmed by OneKhusa
A payment shows Paid only when OneKhusa confirms it — never because of a screenshot or a customer saying they have paid.
Your money, your account
Swyipa does not hold your money. Each seller has their own OneKhusa account, and payments settle there.
Nothing hidden
If a payment is ever reversed, it shows as Reversed and is taken out of your total, so your records stay true.
Questions
Common questions
How do I start?
Create an account with your business name, address and phone number. We then open your OneKhusa payment account. Until it is ready your links work, but customers are told you are still setting up and cannot pay. If you want help, talk to us.
How long does setup take?
Your payment account is opened after you sign up, and it is not instant yet. You can create links while you wait; contact us if you have been waiting a while.
What does it cost?
Swyipa itself charges nothing today. OneKhusa takes a charge on each payment, shown before you create a request. See pricing.
How does my customer pay?
They open your link, type their mobile money number and choose Airtel Money or TNM Mpamba. A prompt appears on their phone and they approve it with their PIN. They do not need an account or an app.
When do I get my money?
Payments land in your own OneKhusa account. It is sent to your bank or mobile money at the end of each day, or you can withdraw sooner from My money.
How do I know someone really paid?
A request shows PAID only after OneKhusa confirms the payment to us. A screenshot or a customer saying they paid is not confirmation.
Help
Talk to a person
Your next order could be paid by link.
Free to start. A person will help you get set up.