SHP-10-checkout-payment - Checkout: Payment

Cart Checkout Payment

Address

Payment

Confirm

Deliver to Aline Uwase - Home

Kigali Province, Gasabo, Kacyiru, Kamatamu, Ubumwe (near Kacyiru Police Station) - +250 788 123 456

Change

Choose how to pay

Secured by Efashe

Efashe Wallet Balance Earns 5% cashback Pay instantly from your wallet. Wallet orders earn 5% flat cashback (single flat rate). Enough to cover this order. After paying you keep RWF 63,550 available, and RWF 220,700 moves into escrow rather than to the sellers. MTN
MoMo MTN Mobile Money A prompt is sent to +250 788 123 456. Approve it with your MoMo PIN to pay RWF 220,700. Airtel
Money Airtel Money Enter your Airtel number to receive an approval prompt. OAuth secured collection. Debit or credit cardVisaMastercard 3-D Secure verification. Card details are handled on the PCI DSS card path, never stored by the merchant. Wallet
loan Buy now, pay later Buy this order now with an Efashe Wallet loan taken here at checkout, then repay from your wallet. It is the same wallet loan you would take in the Loans section; only the starting point is different. The loan pays the seller.

Escrow protection: whichever method you choose, your money is paid into Efashe escrow, not straight to the sellers. It is released to each seller only after you confirm delivery with your order OTP or by dialling *182#.

Cashback and receipt

Paying with the Efashe Wallet earns RWF 11,035 cashback, credited to your cashback account the moment escrow is funded.

Email my VAT receipt to aline.uwase@gmail.com Send delivery and confirmation updates by SMS to +250 788 123 456

MTN Mobile Money

MoMo number

+250

Must be an MTN Rwanda number registered in your own name.

What happens next. We ask MTN to collect RWF 220,700. Your handset gets a USSD push; approve it with your MoMo PIN. The money lands in Efashe escrow, not with the sellers. If the prompt does not arrive within 60 seconds we route the request over the fallback pipe automatically.

Wallet cashback does not apply to mobile money orders. Only wallet payments earn the flat 5%.

Airtel Money

Airtel number

+250

Collection runs over the OAuth secured Airtel rail. You will get an approval prompt on that number. Escrow is funded only once Airtel confirms.

Card details

PCI DSS scoped iframe

These fields are not part of this page. The card form is served from the PCI scoped segment. Neither the marketplace documents nor the ledger ever see a card number, which is what keeps them out of PCI scope.

Card number

Expiry

CVV

Name on card

Save this card for next time. The token is stored, the number never is.

Buy now, pay later

A wallet loan, not an instalment plan

This is the same Efashe wallet loan you would take from the Loans section. Only the starting point differs. The loan pays the sellers in full at checkout, and you repay Efashe from your wallet.

Your wallet covers

To finance

Only the shortfall is financed. Your own money is used first, so you borrow RWF 36,450 rather than the whole basket.

A soft pull. It does not affect your credit score and nothing is committed yet.

Total (tax incl.)

RWF 220,700

Deliver to Aline Uwase - Home

Kigali Province, Gasabo, Kacyiru, Kamatamu, Ubumwe (near Kacyiru Police Station) - +250 788 123 456

Change

Choose how to pay

Secured by Efashe

Efashe Wallet Balance RWF 184,250 Earns 5% cashback Pay instantly from your wallet. Wallet orders earn 5% flat cashback (single flat rate). Insufficient balance. Your wallet holds RWF 184,250 but this order is RWF 220,700. You need RWF 36,450 more to pay from the wallet. Top up RWF 36,450
from MTN MoMo +250 788 123 456 Top up and pay Or pay the full RWF 220,700 with another method below. MTN
MoMo MTN Mobile Money A prompt is sent to +250 788 123 456. Approve it with your MoMo PIN to pay RWF 220,700. Airtel
Money Airtel Money Enter your Airtel number to receive an approval prompt. OAuth secured collection. Debit or credit card VisaMastercard 3-D Secure verification. Card details are handled on the PCI DSS card path, never stored by the merchant. Wallet
loan Buy now, pay later Buy this order now with an Efashe Wallet loan taken here at checkout, then repay from your wallet. It is the same wallet loan you would take in the Loans section; only the starting point is different. The loan pays the seller.

Cashback and receipt

Paying with the Efashe Wallet earns RWF 11,035 cashback, credited to your cashback account the moment escrow is funded.

Email my VAT receipt to aline.uwase@gmail.com Send delivery and confirmation updates by SMS to +250 788 123 456

Total (tax incl.)

RWF 220,700

Top up, then pay

We pull the shortfall from your MoMo number into your Efashe Wallet, then pay the order from the wallet so it still earns the flat 5% cashback.

Order totalRWF 220,700

Wallet balance

Top up neededRWF 36,450

Pull from

Two movements, one action: a top up into your wallet, then the escrow payment out of it. Both appear separately on your statement so the trail stays clear.

You qualify

Approved in 1.4 seconds

Only the shortfall is financed. Your wallet pays RWF 184,250 and the loan covers RWF 36,450, so the sellers are paid the full RWF 220,700 into escrow in one balanced movement (UC-WCB-322).

Financed amount	RWF 36,450
From your wallet	RWF 184,250
Interest rate	2.5% flat for the term
Term	30 days
Origination fee	RWF 550
Total repayable	RWF 37,911
Due date	21 August 2026
Repaid from	Primary wallet, automatically

The money never reaches your hands. A checkout loan settles straight to the sellers through escrow, so it cannot be turned into cash (UC-LND-604).

I accept the loan terms and the key facts statement, and I authorise repayment from my primary wallet on the due date.

This loan appears in your Loans section alongside any other Efashe loan. There is no separate BNPL product.

3-D Secure Bank of Kigali

Verify with your bank

Your bank sent a code to +250 788 *** 456 to authorise RWF 220,700 to Efashe Rwanda Ltd. This page is served by the bank, not by Efashe.

Efashe never sees your card number or this code. The commerce records and the ledger stay outside PCI scope.

Your payment was declined

The card issuer refused the authorisation. Nothing was taken and no escrow hold was placed, so your cart is exactly as it was.

WAL-4102 PAYMENT_DECLINED trace 5c1a90e4-7b28-4f6d-8a13-de92f4c07b55 Copy trace id

Issuer reason: do not honour (51). This usually means an insufficient card limit or a block on online payments. Your bank can lift it, or you can pay another way.

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