The problem

You've been doing this manually. It doesn't scale.

Every Zimbabwean developer building a marketplace or platform hits the same wall. Paynow, ContiPay, Pesepay — they collect well. None of them handle what comes after.

Manual EcoCash transfers
Collecting one payment then manually sending each recipient their share. Works for 5 orders. Breaks completely at 50.
No trust between parties
Stores won't release goods without payment. Buyers won't pay before receiving. No infrastructure to hold funds in the middle.
Can't build a marketplace
Without programmable splits you can't be the merchant of record. Every marketplace idea dies at the payment layer. Until now.
Check your spot

Already on the waitlist?

Enter your email address to see your current position and track your referrals.

The solution

One API. Any Zim gateway. Splits in 5 lines.

Bring your own Paynow or ContiPay credentials. Raffine sits on top and handles collection, escrow, and disbursement automatically.

// Works with Paynow, ContiPay, Pesepay const raffine = require('raffine'); raffine.configure({ apiKey: 'sk_live_...', gateway: 'paynow' }); await raffine.create({ amount: 10.00, currency: 'USD', customer: { phone: '2637...' }, splits: [ { to: 'store_001', amount: 7.50, via: 'ecocash', release: 'on_confirm' }, { to: 'platform_fee', pct: 15 } ] }); // Store gets $7.50 on pickup confirm. You keep $2.50. Done.
Gateway agnostic
Works with Paynow, ContiPay, Pesepay, Pesapal. Bring your credentials — no lock-in.
Programmatic Verification
Verify payments are cleared on pickup or delivery via API. Stores see "payment confirmed" instantly without the risk.
Instant disbursement
Push to EcoCash, ZIPIT, or Innbucks per order — or batch at end of day.
Use cases

Built for how Zimbabwe actually works.

Any business where money needs to flow to more than one place.

Marketplaces
Food & e-commerce
Buyer pays once → store gets cut on pickup → platform fee auto-deducted
Gig economy
Delivery & freelance
Client pays → driver/freelancer paid on completion → platform takes commission
Events
Ticketing platforms
Ticket sale splits between venue, organiser, and platform fee. All automatic.
Education
School fee collection
One parent payment splits to tuition, levies, boarding, and transport instantly
Agriculture
Farmer aggregators
Buyer pays → farmer gets majority via EcoCash → coop service fee disbursed
Property
Rent & rentals
Tenant pays rent → agent fee auto-deducted → landlord receives remainder

Developer testimonial

“
We collect one payment from the client and then have to manually EcoCash the service provider, deduct our fee, and log everything in a spreadsheet. Every month there are errors. Someone gets paid twice, someone gets underpaid. The reconciliation alone takes half a day. This is the problem.
T.M
T.M
Developer, services platform · Harare
Pricing

Only pay when you're making money.

Free sandbox. No setup fees. Per-API-call pricing that scales with you.

Sandbox
$0 forever
Test everything. Full API access from day one.
✓
Unlimited test transactions
✓
Full API + SDK access
✓
Dashboard & logs
✓
WhatsApp support
Most popular
Starter
$0 + $0.15 / API call
Up to $5k/mo volume. Pay nothing until you earn.
✓
Up to 3 split recipients
✓
EcoCash + ZIPIT + Innbucks
✓
Escrow + release triggers
✓
Webhooks + reconciliation CSV
Growth
$49 /mo + $0.10 / call
Up to $50k/mo. Unlimited recipients per split.
✓
Unlimited recipients per split
✓
All payout methods
✓
Priority WhatsApp support
✓
Custom gateway configuration
A note from the founder
The Founder
Building Raffine · Zimbabwe

I kept running into the same problem — payments in Zimbabwe are handled well by our local gateways, but the moment you need money to go to more than one person, you're on your own. Spreadsheets. Manual EcoCash. Errors. Reconciliation nightmares.

Every developer I spoke to had the same story. So I decided to build the layer that was missing — clean, simple split payments that work on top of the gateways we already use.

Join the waitlist. Help shape what we build.

— The Founder
FAQ

Common questions.

Everything developers ask before integrating.

Yes. Raffine is gateway-agnostic. Bring your existing Paynow integration ID and key — our API wraps on top and adds all the split logic. No changes to your Paynow account needed.
Yes. ContiPay is fully supported. Connect your ContiPay merchant credentials and Raffine handles automatic collection and disbursement to multiple recipients via EcoCash, ZIPIT, or Innbucks.
No. You're using your own merchant account credentials through our API — no different from any other app built on top of them. You own the gateway relationship entirely.
Funds are collected into your merchant account and marked as held in our system. Disbursements only fire when you trigger a release — via API call, QR scan, or time window expiry. The recipient sees "payment secured" immediately.
EcoCash, ZIPIT bank transfers, Innbucks, and OneMoney. Disburse instantly per transaction or batch at end of day — configurable per recipient.
Yes. The sandbox is free forever with unlimited test transactions. Full API access, SDK support, and dashboard from day one — no credit card required.
Early access

Get in early.
Move up the queue.

Share your referral link — each friend who joins moves you 10 spots forward. First 50 developers get free Growth tier for 3 months.

No spam. No credit card. Just early access.
Please fill in all fields before joining.