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Meet Vimbisopay​

A digital transcation system supporting the informal sector and rural communities in Zimbabwe with a simple payment solution delivered over WhatsApp.

The Challenges

01

Small change and transactions in the informal sector

All Zimbabweans, especially those who operate informal businesses, grapple with the challenge of paying small amounts and providing small change.

 

Kombis and passengers face this challenge daily, as do street vendors and their customers. Vendors are limited to charging amounts that match the face value of the currency notes in circulation.

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02

Money scarcity in rural communities

For most families in rural Zimbabwe, coming up with the money to cover costs such as school fees is an ongoing challenge.

 

These families are often able to provide value to others in the form of products and services, but providing value in the form of currency is out of reach for many.

The Credex Solution

VimbisoPay uses the credex accounting platform to help Zimbabweans overcome these and other challenges. A credex is a promise to provide value, and the credex ecosystem finds loops of value exchange. If I owe you and you owe me, we can cancel our debts to each other without money changing hands. If I owe you, and you owe Alice, and Alice owes Bob, and Bob owes me, we could cancel those debts in the same manner.

 

In accounting terms, a credex is an accounts payable invoice for one party, and an accounts receivable invoice for the other. The credex ecosystem simply finds loops of payables and receivables, and clears them against each other wherever possible, for the benefit of all involved.

 

See MyCredex.App for more on the credex ecosystem accounting software.​​

Contact Us

WhatsApp: +263.78.737.9972

Email: hello@vimbisopay.co.zw

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© 2025 by VimbisoPay Holdings (Private) Limited

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