DEEGITS is a payments processing service (Digital Money Transfer) for Malawians and Malawian websites. The system was developed by a Malawian registered company called DEEGITS Technology Limited. We use your mobile phone's digits to enable easy, secure and instant transfer of money between online buyers and sellers. With DEEGITS; sellers (individuals, businesses and organisations); can accept secure payments from online buyers in real-time. No credit/Debit card or bank account is required to use this service within Malawi.

Anyone with a registered mobile phone in Malawi can use the service regardless of their network service provider as long as they are connected to the internet. Withdrawals can be made from ATMs without the need for an agent. Whilst it is simple and fun, It is also safe, secure and reliable.

System Benefits

  • Real-time Transactions
  • 24/7 Online Business (Buying Or Selling)
  • Opportunities for extra income, you can run your online business while doing your regular day job.
  • Competitive rates on Money Transfers

Now anyone in Malawi can start buying or selling online. Test drive our system today! No network limitations, No bank account required, it's all gone Digital!

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Features and Benefits of DEEGITS PAY:

DEEGITS PAY is what Malawi has been waiting for; inorder to unlock eCommerce opportunites to Buyers and Sellers countrywide. The system is here to stay and change the way we do business.

Instant Transfers

Instant Digital Funds Transfer (DFT) enables buyers to make payments using any device connected to the internet. The electronic funds transfer (EFT) gets verified instantly. No two day waiting period, no proof of payment required.

Unlimited Possibilities

With DEEGITS PAY; you can have your shop running online 24/7.

Our advanced backend will handle the backend of your shop; thus giving you enough time to focus on other important things.

Enjoy the best rates

Only a per-transaction fee is charged. Register in a matter of minutes and be ready to accept payments through DEEGITS PAY if you're an individual, a registered business or an organisation.

24/7 Safety

DEEGITS PAY is committed to keeping you and your information secure. We have a number of checks in place to protect both buyers and sellers from fraudulent transactions.

Eligibility Criteria for Loan

Any salaried, self-employed or professional Public and Privat companies, Government sector employees including Public Sector is eligible for a personal loan.

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Maximum age of applicant at loan maturity: 60 years


Minimum Net Monthly Income: Rs 25,000

Credit Rating

Applicant should have the bank specified credit score.

Check Eligibility Apply For Loan


The following documents are required along with your Personal Loan application:

  • Personal Identity proof (copy of passport/voter ID card/driving license/Aadhaar)
  • Home Address proof (copy of passport/voter ID card/driving license/Aadhaar)
  • Bank statement of previous 3 months (Passbook of previous 6 months
  • Latest salary slip/current dated salary certificate with the latest Form 16

Service Fees and charges

  • Types of fees

    Charges applicable

  • Setup Fee
  • Monthly Fee
  • Account Top-Up
  • Sending Funds
  • Transfer To Your Bank
    2.5% + K100
  • Receiving Funds
    4.9% + K100


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Frequently Asked Questions

We are almost ready with your Frequently Asked Questions. Already we have answered some of them below:

Absolutely. You can register with DEEGITS PAY to receive payments as an individual/sole proprietor, as a registered business or as a registered organisation.

No. Since all payments are made on DEEGITS' servers to DEEGITS' many integrated accounts, you don't need a costly merchant account or SSL certificate for your website. If you have these, no problem! After the funds have cleared in your DEEGITS account, you can transfer it to your linked bank account, anywhere in Malawi.

We try to eliminate all barriers of entry to selling online and you can technically start accepting payments on the same day as registering with us (if all your documents are in order, of course). You will need to register an account with us, which should take you between two and five minutes.

After this, you'll need to verify your details by visiting any of our registered Agents to present your acceptable IDs, and get verified.

You can then add DEEGITS' into your website or eCommerce platform.

No. We simply charge the seller or the recepient a small fee on each successful transaction. This fee depends on the amount being transferred. please check the rates here.

All funds processed reflect immediately in your DEEGITS account, but not in your linked bank account. You can log into your DEEGITS account and click the "Transfer To Bank" button to move the funds to your bank account. Funds are eligible to be paid out after a 48 hour security and fraud review holding period.

No. While it's a great idea to have a website and list your products online; ideally with one of the many supported eCommerce platforms; alot of people use DEEGITS PAY, simply to send payments to each other.

Download loan forms now

Fulfil your dreams to lead the life you want, the way you want with a personal loan! Download loan forms now!

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Download Loan Brochure

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