PeSa processed 10,000+ bill payments in Kigali — here's what we learned.

Since launching PeSa in Q1 2025, we've processed over 10,000 utility bill payments for Rwandans in Kigali and beyond.

The data tells a clear story: Rwandans don't want fancy features. They want three things: speed, reliability, and proof of payment.

Average payment time dropped from 25 minutes (USSD code + queue + receipt) to 45 seconds (open app, tap, pay). That's 24 minutes saved per transaction.

REG electricity makes up 62% of payments, WASAC water 28%, and Startimes TV 10%. Most users (73%) save multiple meters in the app.

The biggest surprise? 40% of users check their payment history before paying. They want to know: 'When did I last pay? How much?' PeSa solved that with a simple history view.

MoMo integration was the hardest part. MTN's API has quirks — we documented every edge case. Now we wire MoMo into every client site in under 2 hours.

If you're building for Rwandan users: mobile-first isn't optional. 94% of PeSa payments happen on Android phones. Loading speed matters more than UI polish.

This is the advantage of building products: we learn what works, then apply it to client projects. You get 10,000+ data points behind every decision.