IZAAPA
South Africa's Gamified Finance Platform

BUY
UGESI
NOW.
PAY
LATER.

Electricity. Groceries. Airtime. Uber & Uber Eats. Essentials from select retailers. Cash advances. Loans. All on iZaapa — get today, pay month end — with an XP system that rewards every responsible move.

Download on Google Play Explore Products
Electricity
Airtime
Cash Advance
Business Loans
Collateral Loans
WhatsApp
TIER 3 ESTABLISHED
THABO MOLEFE
MEMBER SINCE JAN 2026
Advance
R600
Interest
0%
XP
350
Progress to Tier 4350 / 480
GET TODAY Pay Month End · Small Fee Applies AIRTIME All Networks · No Cash Needed CASH ADVANCES Up to R1,000 at Tier 4 Trusted BUSINESS LOANS Capital for SA SMEs COLLATERAL LOANS Courier Collects · We Hold · Return On Repayment WHATSAPP Full Platform via WhatsApp XP SYSTEM Earn On Every Responsible Action FSP 51928 NCRCP16688 · ZUVA WEALTH GET TODAY Pay Month End · Small Fee Applies AIRTIME All Networks · No Cash Needed CASH ADVANCES Up to R1,000 at Tier 4 Trusted BUSINESS LOANS Capital for SA SMEs COLLATERAL LOANS Courier Collects · We Hold · Return On Repayment WHATSAPP Full Platform via WhatsApp XP SYSTEM Earn On Every Responsible Action FSP 51928 NCRCP16688 · ZUVA WEALTH
How It Works
MEMBER OR NOT,
WE HAVE YOU.
MEMBERS
R100 / MONTH
→ Get electricity today · pay month end
→ Get airtime & data today · pay month end
→ Cash advances at 0% interest
→ Business loans (Tier 3+)
→ Personal loans (Tier 2+ with verification score)
→ Collateral loans
→ XP system & tier rewards
→ Full WhatsApp access
→ Exclusive deals & offers
Become a Member
NON-MEMBERS
NO MEMBERSHIP NEEDED
→ Collateral loans — open to all
Electricity & airtime (members only)
Cash advances (members only)
Business loans (members only)
XP system & tier rewards (members only)
Tip: Get a collateral loan first — then use that capital to activate your membership and unlock the full platform.
Every Product
ONE
PLATFORM.
GET TODAY.
PAY MONTH END.
Electricity, groceries, airtime, Uber & Uber Eats, DStv, Showmax, and more from select retailers. Get what you need now. Pay at month end — small service fee applies.
Members Only · R100/month
R250.00
LAST UGESI PURCHASE · PAID ON TIME
PREPAID
BUCKET
Electricity · Airtime · Groceries · Uber & Uber Eats · DStv · Showmax · Select retailers. Get today. Pay month end..
Members Only · Select Partners
CASH
ADVANCE
0% interest. R100 to R1,000 depending on tier. Always below your prepaid bucket.
Members Only · R100/month
BUSINESS
LOANS
Capital for SA entrepreneurs and SMEs.
Members Only · Tier 3+
COLLATERAL
LOANS
Your valuables unlock capital. Courier collects, we hold, return on repayment.
Open to Non-Members
PERSONAL
LOANS
Available from Tier 2. Verification score 600+ required.
Members Only · Tier 2+
XP
REWARDS
Earn on every responsible action — every product, every payment, every referral.
On-time payment+40 XP
Referral+35 XP
Prepaid purchase+10 XP
Streak bonus+75 XP
Tier 1 → Tier 4 Trusted
REPAY
YOUR WAY
App · WhatsApp · Partner Retailers
+40 XP On Time
GET
WHAT
YOU NEED.
PAY MONTH END.

No cash? No problem. Buy electricity, groceries, airtime, Uber & Uber Eats, DStv, Showmax, and essentials from select retailers — right now, via app or WhatsApp. Pay at month end. Small service fee applies.

1
Request on app or WhatsApp
Enter meter number and amount. Eskom, City Power, municipalities.
2
Token delivered in seconds
Prepaid electricity token sent immediately. Load it and you're powered up.
3
Payment request at month end
We send you a payment request for the electricity amount plus a small service fee. Pay via app, WhatsApp, or partner retailer.
4
Earn +40 XP for on-time payment
Every payment pushes you closer to the next tier.
Electricity Token
ACTIVE
8472 1950 3847
50 units · Eskom PrepaidLoaded: Tonight
Payment Due
R250.00
FEE APPLIES
Due: End of May 2026
Pay Your Way
iZaapa App
Pay instantly in-app
+40 XP
WhatsApp
Pay via chat
+40 XP
Partner Retailers
Pay at any partner store
+40 XP
NO MEMBERSHIP REQUIRED
Collateral Loans
YOUR
VALUABLES.
UNLOCK
CAPITAL.

No credit score? No membership? No problem. Collateral loans are open to everyone. Use what you have — a verified courier collects your item, we hold it securely, and return it the moment you repay.

Apply
→
Courier Collects
→
We Hold
→
Loan Issued
→
Item Returned
Accepted Items
Jewellery & Gold
Rings, chains, bracelets
Up to 80% value
Electronics
Phones, tablets, laptops
Market rate
Watches
Premium branded only
Assessed on receipt
Other Valuables
Contact us to check eligibility
Case by case
Courier-to-door service included.
We collect from you. We return to you. No travel needed. Safe, verified, tracked.
Membership Tiers
THE MORE YOU GROW,
THE MORE YOU UNLOCK.
TIER 1
STARTER
0 – 119 XP
R100
CASH ADVANCE
  • Prepaid bucket R200
  • Cash advance 0%
  • Buy ugesi & airtime
  • WhatsApp access
TIER 2
GROWING
120 – 179 XP
R100
CASH ADVANCE
  • Prepaid bucket R600
  • Personal loan R500
  • Score-gated access
  • +35 XP referral
TIER 2B
GROWING+
180 – 239 XP
R200
CASH ADVANCE
  • Prepaid bucket R500
  • Personal loan R1,000
  • Streak bonuses active
  • +35 XP referral
TIER 3
ESTABLISHED
240 – 479 XP
R600
CASH ADVANCE
  • Prepaid bucket R1,400
  • Personal loan R2,000
  • Business loans
  • Fee waiver reward
TIER 4
TRUSTED
480+ XP
R1,000
CASH ADVANCE
  • Prepaid bucket R2,000
  • Personal loan R4,000
  • Rate band review
  • Priority support

R100/MONTH · ALL CREDIT SUBJECT TO NCA ASSESSMENT · FSP 51928 · NCRCP16688

iZ
iZaapa
Financial platform · Online
iZaapaHi! How can I help? 1⃣ Ugesi 2⃣ Airtime 3⃣ Advance 4⃣ XP Check
1
iZaapa Meter number and amount?
12345678 R200
iZaapa Done! Your token:
8472 1950 3847
R200 · Pay end of month · fee applies
Type a message...
Live Activity
MEMBERS
EARNING
RIGHT NOW.
Member Transactions
LIVE
T
Thabo M.
Bought ugesi · 50 units · Eskom
+25 XP
R250
2m ago
S
Sipho K.
Repaid cash advance on time
+40 XP · Streak: 4 months
R1,500
5m ago
N
Nandi N.
Airtime top-up · MTN · R50
+25 XP
R50
8m ago
L
Lerato D.
Referred a friend · Membership active
+200 XP
Referral
12m ago
K
Kuhle B.
Reached Tier 3 Established · Limit → R600
Tier Upgrade
18m ago
Earn XP
EVERY
ACTION
COUNTS.
XP Earning Breakdown
On-time repayment — advance
Cash advance paid on time
+40 XP
On-time repayment — personal loan
Per instalment paid on time
+60 XP
Successful referral
Friend activates + completes first repayment
+35 XP
Prepaid / OTT purchase
Ugesi, airtime, data, ride-hail, grocery, entertainment
+10 XP
Active membership
Fee paid on time — monthly
+25 XP
3-month streak bonus
3 consecutive on-time repayments
+75 XP
Download
GET
IZAAPA.
GET
GOING.

Android live now. iOS and Huawei coming soon. R100/month. Unlock everything.

Available now on
Google Play
LIVE
Coming soon on
App Store
SOON
Coming soon on
AppGallery
SOON
iZaapa
GET TODAY · PAY MONTH END
Ugesi
Airtime
Advance
Business
Collateral
AVAILABLE ADVANCE
R500
Member Stories
REAL PEOPLE.
REAL WINS.
"

"Bought ugesi at midnight when I had nothing in my account. Token came in seconds. Paid at month end, no interest. iZaapa saved the night."

T
Tshepiso Macu
Tier 3 Established · Johannesburg
"

"Used the collateral loan for my tuck shop. Courier came, took my watch, sorted my business, got my watch back when I paid. Smooth process."

S
Sipho K.
Tier 4 Trusted · Soweto
"

"I do everything on WhatsApp. Ugesi, airtime, check my XP. Haven't opened the app in weeks. It just works exactly where I already am."

N
Nandi Ngwenya
Tier 2 Growing · Durban
Questions
GOT
QUESTIONS?

How does get today, pay month end work?

This is a membership benefit. As an iZaapa member (R100/month), your prepaid bucket covers electricity, groceries, airtime & data, Uber & Uber Eats, DStv, Showmax, and essentials from select retailers. Buy now via app or WhatsApp, pay at month end. A small service fee applies. Electricity tokens are delivered in seconds.

How do collateral loans work?

Collateral loans are available to everyone — no membership required. Apply in the app. We assess your item and make you an offer. A verified courier collects from your door, we hold the item securely, disburse your loan. Once you repay, the courier returns your item in the same condition.

How do I pay back what I owe?

iZaapa sends you a payment request at month end. Pay through the iZaapa app, via WhatsApp, or walk into any of our partner retailers. Every on-time payment earns you +40 XP.

What does R100/month give me?

Full access to all member products — prepaid bucket (electricity, groceries, airtime, Uber & Uber Eats, DStv, Showmax, select retailers — all get today, pay month end), cash advances, business and personal loan eligibility, XP system, member deals, and WhatsApp. Note: collateral loans are available without membership. No hidden charges. One flat monthly fee.

How does the XP and tier system work?

Every positive action earns XP: advance repayment (+40), personal loan instalment (+60), referral (+35), membership (+25), prepaid purchase (+10), 3-month streak (+75). Tiers upgrade automatically — Tier 1 Starter → Tier 2 Growing → Tier 2B Growing+ → Tier 3 Established → Tier 4 Trusted. Higher tiers unlock higher limits on everything.

Is iZaapa a registered financial provider?

Yes. iZaapa is powered by ZUVA WEALTH — Registered FSP 51928, Credit Provider NCRCP16688, Registration K2018435560. All products comply with the NCA, FAIS Act, and South African legislation.
Legal
TERMS &
CONDITIONS
Last updated: January 2026. iZaapa is powered by ZUVA WEALTH · FSP 51928 · NCRCP16688 · K2018435560. All credit subject to NCA affordability assessment and approval.
01

Membership & Platform Access

iZaapa membership costs R100 per month granting full access to all member products including the prepaid bucket (electricity, groceries, airtime, Uber & Uber Eats, DStv, Showmax, and essentials from select retailers — all get today, pay month end), cash advances, business loans, personal loans, XP system, deals, and WhatsApp integration. Non-members may only apply for collateral loans. Membership fee is non-refundable once charged. Cancel anytime via app; takes effect end of current billing period. iZaapa reserves the right to adjust membership fee with 30 days' notice.
02

Prepaid Bucket — Get Today. Pay Month End.

The prepaid bucket covers electricity, airtime & data, groceries (Pick n Pay, Shoprite), ride-hailing (Uber, Uber Eats, Bolt), entertainment (DStv, Showmax), and essentials from select retailers. All purchases are on a get-today-pay-month-end basis with a small service fee. The purchase amount plus fee is added to your iZaapa balance and collected at month end via payment request — settable via app, WhatsApp, or authorised partner retailers. Eligible categories are trackable only; cash equivalents and money transfers are excluded. VAS powered by Electrum and Flash.
03

Cash Advances

Cash advances provided at 0% interest, subject to affordability assessment and approval. Limits: Tier 1 R100, Tier 2 R100, Tier 2B R200, Tier 3 R600, Tier 4 R1,000. Cash advance is always strictly less than the prepaid bucket — hard system constraint. Repayable at month end via payment request. NSF retry timeline: Day 0, 1, 3, 7 (warning), 14 (freeze), 21 (collections). Late payments result in XP deductions (-40 XP), potential tier demotion, and credit bureau reporting. iZaapa is a registered Credit Provider (NCRCP16688) compliant with the NCA.
04

Collateral Loans

Collateral loans are available to both members and non-members. They require physical asset submission as security. iZaapa arranges courier collection. Items are held securely for the loan duration. Upon full repayment, items are returned via courier. iZaapa is not liable for pre-existing damage. Failure to repay may result in sale of the collateral item to recover outstanding balance. All terms disclosed at application.
05

Business Loans

Business loans are available to iZaapa members at Tier 3 Established and above, subject to full business and personal affordability assessment. Membership (R100/month) is required. Terms, interest rates, and repayment schedules disclosed in full at application. All business lending regulated under the NCA.
06

Personal Loans

Personal loans available from Tier 2 (Growing), subject to dual-gate eligibility: (1) internally generated verification score of 600/1000 minimum post-KYC, and (2) XP tier requirement from Tier 2B onward. Limits: Tier 2 R500, Tier 2B R1,000, Tier 3 R2,000, Tier 4 R4,000. Interest rate: prime-linked, 13.25%–18% p.a. depending on risk band. Rate locked for life of loan. All costs disclosed in pre-agreement statement. Powered by ZUVA WEALTH (FSP 51928, NCRCP16688).
07

Payment Collection

At the end of each month, iZaapa sends a payment request for your outstanding balance. Payment can be made via the iZaapa app, WhatsApp, or at any authorised partner retailer. Late or failed payments result in XP deductions, account suspension, and may result in debt collection and credit bureau reporting. Payment gateway: Ozow (primary). VAS: Electrum/Flash.
08

XP System & Tier Progression

XP earned through on-time advance repayments (+40), personal loan instalments (+60), referrals (+35), active membership (+25), prepaid purchases (+10), and 3-month streak bonuses (+75). Tiers: Tier 1 Starter (0–119), Tier 2 Growing (120–179), Tier 2B Growing+ (180–239), Tier 3 Established (240–479), Tier 4 Trusted (480+). Upgrades automatic in real time. Missed payments cause XP deductions (-40 advance, -80 personal loan) and may demote tier immediately. XP cannot be purchased, transferred, or exchanged for cash.
09

Privacy & POPIA

Personal information processed under POPIA. We collect identity, banking, income, and behavioural data. Data never sold. Shared only as required by law or with approved partners (Ozow, Electrum/Flash) and credit bureaus. Contact support@izaapa.co.za to access, correct, or delete your data. To request deletion of your account and all associated data, visit our Data Deletion Policy page.
10

Regulatory Compliance & Liability

iZaapa powered by ZUVA WEALTH — Registered FSP 51928 · Credit Provider NCRCP16688 · Registration K2018435560. All products comply with the NCA, FAIS Act, and applicable South African legislation. iZaapa's liability is limited to the value of services provided. Complaints: support@izaapa.co.za.
Start Today
BUY
UGESI
NOW.
PAY
LATER.

Download iZaapa. Activate your membership. Access electricity (get today, pay month end), airtime, cash advances, loans and WhatsApp — with an XP reward every time you do the right thing.

NO SPAM — MAJOR UPDATES ONLY

Google Play — Live
App Store — Soon
AppGallery — Soon

ZUVA WEALTH · FSP 51928 · NCRCP16688 · K2018435560
All credit subject to affordability assessment · NCA compliant · R100/month