No bank account. No credit card. No internet needed.
Just buy an OTT voucher and pay on WhatsApp — in your language. Only R20 per transaction.
Pay your accounts in 4 simple steps — no bank account, no app, no internet connection needed.
Send us a WhatsApp message saying who you want to pay — HomeChoice, DSTV, your municipality, or any of our partners.
We verify your account instantly and tell you exactly how much OTT voucher to buy — your payment amount plus our flat R20 service fee. No surprises.
Buy the OTT voucher at any spaza shop, Boxer, Shoprite, or Pick n Pay near you. Send us the PIN on WhatsApp.
Your payment goes directly to the company. We send you a reference number as proof. Done! 🎉
We are constantly adding new companies. If you don't see yours, message us — your request helps us add them faster.
Pay your DSTV subscription or Showmax account without a credit card or bank account.
Pay your HomeChoice, Bradlows, Ellerines, OK Furniture, Bears or Morkels account.
Pay your Sanlam, Old Mutual, Avbob, or Liberty Life insurance premium on time, every time.
Buy prepaid electricity tokens for your home — delivered instantly to your WhatsApp.
Pay your Ekurhuleni, Buffalo City, or other municipality rates and water bills.
Top up your Vodacom, MTN, Cell C, or Telkom airtime and data bundles.
Pay your outstanding traffic infringements quickly and easily on WhatsApp.
Don't see your service? Message us — your request goes straight to our team to add it.
Request a ServiceMillions of South Africans want to pay you — but they don't have bank accounts, credit cards, or internet access. Thuma Mina Pay bridges that gap.
We exist to give every South African — regardless of their bank status, education, or location — the power to pay their bills on time.
If you are unbanked, you are not excluded. All you need is a phone with WhatsApp and an OTT voucher from your nearest shop.
We speak your language — all 11 official South African languages plus Swahili, French, Portuguese, and Igbo for our immigrant community.
We never hold your money. Your payment goes directly from the OTT voucher into the company's account. We just facilitate the connection.
WhatsApp works on 2G. No fibre, no data bundles needed. If you can send a WhatsApp, you can use Thuma Mina Pay.
OTT vouchers are sold at spaza shops, Boxer, Shoprite, and Pick n Pay nationwide — including in townships and rural areas.
Pay at midnight, on a Sunday, on a public holiday. Our AI assistant never sleeps and is always ready to help you.
A product of
Thuma Mina Pay is a product of Mdiga Dynamics, a South African technology company committed to building digital solutions that work for all South Africans — not just those with bank accounts and smartphones.
All invoices and billing are handled by Mdiga Dynamics.
Have a question? Want to partner with us? We'd love to hear from you.