Hifadhi Personal

Pay digitally with zero transaction cost in Dukas using Hifadhi Merchant, in-shop or their online shop in Hifadhi. Find your closest Duka by searching and filtering the Hifadhi map of Dukas. Start building your digital credit score by paying with Hifadhi to get access to credits in the future.

Get zero transaction costs when paying via QR code payments in your local Hifadhi Duka or ordering from the local Duka’s Hifadhi online shop. When ordering online from your local Duka online, choose to get a delivery or pick up the order in-store.

How to get going
1. Sign up and make a deposit to Hifadhi.
2. Add your home delivery address and contact info.
3. Find your closest Hifadhi Duka to buy in-shop or online..
4. Start building your digital credit score

The app makes it easy to manage your payments from a smartphone. With a solid credit score built by digital payments, you will later get access to credits and potentially better credit terms.

Get digital receipts when paying in Dukas using Hifadhi Merchant.

Why get Hifadhi Personal?
- EASY: Easy and fast checkouts in Dukas using Hifadhi merchant app with QR scanning or buy from their Online shop in Hifadhi.
- FINANCIALS: Get zero transaction costs when paying with Hifadhi personal.
- FINANCIALS: Build a digital credit score and make it easier to apply for credits.
- CONTROL: Get financial control of the household economy.
- CONTROL: Get digital receipts for all purchases to make it easier to replace unbroken packages or get refunds from your local Duka.
- SECURITY: Reduce the need to carry cash.


Included features:

- ONLINE SHOPPING: Buy online from your local Hifadhi Duka and get the order delivered to your home.

- MERCHANT MAP: Find your closest Hifadhi Duka by search, filter, etc. on the map.

- PAYMENTS*: Pay by scanning a QR-code in the Duka or pay online by approving the placed order. Send money to other Hifadhi users by number in real-time.

- TRANSACTIONS & RECEIPTS: Get all Hifadhi payments automatically added, incl. receipts, categorisations, etc.

- CONTACTS: For every payment, your contact directory is automatically updated with the Duka details, what was paid for, including a receipt.

- FINANCIAL STATEMENTS: See how you spend and earn in detail with the household financial statements on a daily, weekly, monthly, quarterly and yearly level.


*To pay with Hifadhi you need to deposit from your Vooma wallet, M-PESA wallet or KCB bank account. You can also withdraw to these three wallets/accounts.Deposits and withdrawals from Vooma are free up to 100,000 Ksh.

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