Built in Zimbabwe
ZivaPay+ turns supported EcoCash and InnBucks transaction messages into one clear money picture. No spreadsheets, no wallet login, and no manual entry.
Balances, spending and Financial Health come together on one screen.
10.7 million active mobile financial services subscribers were reported in Zimbabwe in Q1 2026.
RBZ sourceMoney moments
ZivaPay+ is not another wallet. It is the private understanding layer across the mobile money activity already on your phone.
See what came in, what went out, the categories behind it, and whether your month is steady or tightening.
Try the money storyYour spending rhythm is holding.
Search one organised history instead of scrolling through hundreds of messages.
Export a clean monthly PDF or Excel statement when you need something more useful than screenshots.
Create a request, share it, and confirm a matching payment before ZivaPay+ marks it paid.
Optional spending, large-transaction and low-balance alerts help you notice changes early.
Interactive demo
This uses synthetic examples. Nothing is uploaded, and the demo never touches your phone.
Money coming in is keeping pace with your recent spending rhythm. Keep an eye on transfers, your largest category so far.
The privacy vault
ZivaPay+ is designed around a simple boundary: organise supported transaction messages locally, then keep the detailed money history on your phone.
Read the full privacy policyMessages, amounts, balances, names and detailed records remain on your device.
Your buffer and spending rhythm are worked out locally.
Limited diagnostics help improve reliability. They exclude SMS bodies, amounts, balances, names and phone numbers.
You choose when to share. Missed-format reports are masked and previewed before leaving the phone.
ZivaPay Pulse
Not a breaking-news feed. A useful record of what changed, what it means, and what ZivaPay+ is learning.
Version 1.8.3 strengthens missed-format privacy, treats ambiguous wallet messages honestly and makes payment requests clearer.
Mobile money is not a niche behaviour. It is national financial infrastructure, and people deserve better tools to understand it.
View the RBZ sourceThe ZivaPay+ roadmap
The foundation is already live. What comes next will build on the same rule: useful for Zimbabwe, honest about its limits, and trusted before it is expanded.
The local analytics engine that turns supported wallet messages into one organised money history.
Financial Health adds a supportive, private reading of your buffer and spending rhythm.
Beyond looking back, we are exploring careful ways to help your money go further.
A bolder way to understand, manage and eventually grow money across the financial tools Zimbabweans already use.
Built here. Built around how money actually moves here.
Roadmap items are directional, not promises or launch dates. New capabilities ship only when they are ready.
Built here. Built forward.
It needs products shaped around how money actually moves here: across mobile wallets, through transaction messages, with privacy, clarity and trust earned one release at a time.
Straight answers
No vague banking language. ZivaPay+ is a private record-keeping and money-understanding tool, not a wallet.
No. ZivaPay+ has no bank or wallet login and cannot send, receive or touch your money. It organises supported transaction messages already on your phone.
EcoCash and InnBucks send transaction confirmations by SMS. ZivaPay+ uses supported transaction formats to build your history automatically. Other messages are not added to your ledger.
Your detailed transaction history is processed and stored on your device. Limited crash and usage diagnostics help improve reliability, but exclude SMS bodies, amounts, balances, names and phone numbers.
EcoCash and InnBucks. New formats and wallets are added only when they can be supported accurately and safely.
No. It is a private, plain-language reading of patterns in your own on-device history. It does not approve loans, judge eligibility or report to a credit bureau.
Yes. ZivaPay+ is currently free to download and use on Android, with no subscription and no ads.
Available on Android
Install ZivaPay+ on the phone that receives your EcoCash and InnBucks transaction messages.
Scan to installPoint your phone camera at the code.
ZivaPay+ is an independent app and is not affiliated with or endorsed by any mobile money operator. All trademarks belong to their respective owners.