Withdrawal Policy

Withdrawals are available to collection owners who have an available balance in a collection they own. To be eligible for a withdrawal:

• You must be the verified owner of the collection.
• Your available balance must be at least TZS 10,000 (the minimum withdrawal amount).
• You must have no other pending, approved, or processing withdrawal request for the same collection at the same time.
• Your account must be active and in good standing.

Available balance is calculated as: completed contributions minus any locked (pending/approved/processing) withdrawals minus any already paid withdrawals.

The minimum withdrawal amount is TZS 10,000. This is the amount you request — and the amount you receive. The withdrawal fee is added on top and deducted from your collection balance together with the requested amount.

A flat withdrawal fee of TZS 2,000 applies to every withdrawal request. The fee is added on top of the amount you request and deducted from your collection balance together with the requested amount. You receive exactly the amount you requested.

The exact fee breakdown is shown in your withdrawal request before you submit.

The withdrawal review process follows these stages:

Withdrawal processing times are estimates and depend on review queue and payout provider availability.

SarafuPay currently supports the following withdrawal destinations:

• Mobile Money — M-Pesa (Tanzania)
• Mobile Money — Airtel Money (Tanzania)
• Bank transfer — coming in a future release

You must provide your correct mobile money phone number or bank account details when submitting a withdrawal request. SarafuPay does not store payment credentials — destination details are used solely for processing your specific withdrawal.

A withdrawal may be marked as failed if the payout provider was unable to complete the transfer. Common reasons include:

• Incorrect or inactive mobile money number.
• Mobile money account limit exceeded.
• Temporary payout provider outage.
• Mismatch between recipient name and account.

If your withdrawal fails:

• Contact support at support.sarafupay@gmail.com with your withdrawal reference number.
• Our team will investigate and advise on next steps.
• Where possible, we will reinstate your balance or arrange a retry.

Before submitting a withdrawal request, please verify:

• Your mobile money number is active and able to receive payments.
• The recipient name matches the account registered with your mobile money provider.
• For bank transfers: account number and bank name are correct.

If you realise you provided incorrect details after submitting, contact us immediately at support.sarafupay@gmail.com. If payout has not yet been initiated, we may be able to cancel and update your request.

SarafuPay may place a withdrawal request under extended review if our team identifies unusual activity, including:

• Sudden large withdrawal requests from newly active collections.
• Multiple withdrawal requests in rapid succession.
• Reports of fraudulent collection activity.
• Account flagged for suspicious activity.

If your withdrawal is placed under risk review, we will contact you at the email registered to your account.

While a withdrawal is in a pending, approved, or processing state, the requested amount is locked from your available balance. You cannot request another withdrawal for the same collection while one is already active.

You may cancel a pending withdrawal from your dashboard at any time before it is approved. Once approved, a withdrawal cannot be cancelled.

• Pending: can be cancelled by you from your dashboard.
• Approved: cannot be cancelled — contact support immediately if needed.
• Processing: cannot be cancelled — payout is underway.
• Paid: final — funds have been sent.
• Rejected/Failed: balance is restored to your available withdrawal balance.

For any questions about your withdrawal or this policy, contact us:

You can also visit our FAQ page or our Pricing page for more details on fees.