Buy Now, Pay Later.
Flexible Repayments. No Hidden Fees.
ToraCash’s Buy Now, Pay Later service lets customers get what they need today and pay for it over time — without the stress of upfront payments or surprise charges.
How It Works:
- Select ToraCash at Checkout – When you’re ready to pay, choose ToraCash as your payment method (online or in-store).
- Get Approved Instantly – We use real-time checks to provide a fast approval process, with minimal paperwork.
- Split Your Payments – Choose a flexible repayment plan (weekly, bi-weekly, or monthly) that suits your income and lifestyle.
- No Hidden Costs – We pride ourselves on transparency — no late penalty traps or sneaky fees.
Whether it’s a phone, groceries, school supplies, or a bigger household purchase, ToraCash gives you breathing room — so you can manage your cash flow with confidence.
In-store & Online Checkout Integration.
Wherever You Shop. Fast. Seamless. Trusted.
We are partnering with trusted retailers in Zimbabwe and Zambia, so you can use ToraCash at checkout — whether you’re shopping in-store or online.
How It Works:
- Shop at a ToraCash Partner Store – Visit one of our partner merchants (brick-and-mortar or online).
- Select ToraCash at Checkout – Choose ToraCash as your payment method.
- Get Real-Time Approval – Complete a short, secure application and receive approval in minutes.
- Complete Purchase & Walk Away – The merchant gets paid immediately, and you walk away with your item — with a repayment plan in place.
Our goal? To make credit access just as easy as a swipe. Whether you’re in Harare, Lusaka, or anywhere in between, shopping with ToraCash is fast, secure, and stress-free.
Merchant Services.
Offer Credit. Get Paid Instantly. Grow Your Business.
Are you a retailer, service provider, or ecommerce business looking to increase sales and customer loyalty?
ToraCash empowers retailers, service providers, and ecommerce businesses to boost sales and attract new customers by offering Buy Now, Pay Later credit — without taking on risk.
How It Works:
- Integrate ToraCash – Add us to your online store, POS system, or checkout process.
- We Handle the Credit – When your customer selects ToraCash, we assess their creditworthiness and approve the financing.
- You Get Paid Upfront – No waiting. You receive full payment from ToraCash, while we manage the customer repayments.
- Attract More Buyers – Flexible payment options lead to higher conversion rates, increased basket sizes, and more returning customers.
Join the growing list of businesses that are reshaping retail finance in Southern Africa with Smart Credit.
Innovation and Efficiency in Every Transaction
Effortless Simplicity
From sign-up to checkout, every step with ToraCash is built for ease. No cumbersome paperwork, no confusion — just a smooth, user-friendly credit experience.
Advanced Security, Always
Your financial safety is our top priority. We use advanced encryption and robust fraud prevention to ensure your information stays protected.
Efficiency You Can Count On
Whether you're applying for credit or making a payment, enjoy lightning-fast processing and reliable service — every single time.
"At ToraCash, financial inclusion is more than a mission — it’s our purpose. We’re committed to opening up access to fair, flexible credit so that more people can participate fully in the economy, no matter their background."
- ToraCash Team
Privacy policies
Your privacy is our priority. We never share your information with third parties without your express consent.
Data protection
We are committed to protecting your personal and financial data with the highest security measures
Experience the Freedom
of Smarter Credit.
Join Toracash and take the first step toward flexible, transparent, and stress-free financing — designed to put you in control.