Airtime Credit Services

Easy. Instant. Convenient. Wherever your customers are, help them to keep the conversation going – even when they run out of credit. Automatically activate loans on the right channel, at the right time, to the right customers.

Increase your average revenue per user, drive distribution and network usage, and create a better customer experience with Airtime Credit Services.

Product features

Real-time, automatic service activation

No more mid-call cut-offs - we push Airtime Credit Services in real-time, to keep your customers connected

Convenient product solutions

Boost customer retention by providing data and voice combo bundles

Low balance notifications

Help your customers to keep track of their balance with instant notifications

Who can use the

Mobile Network Operators

Give your customers more ways to pay

0 m+
transactions processed daily
0 m+
monthly active users
0 m+
customers scored monthly
$ 1 b+
worth of loans processed


“Ezra fully understands the lending business and worked closely with us to align their services to our business needs with ongoing tweaks and iterations to meet performance goals. The Ezra team work fluidly to adapt and accommodate technical changes as a result of nuances across both platforms, whilst also jointly assessing how we can mitigate risk and manage operational issues.”

Touch N Go

Orange Money has partnered with Ezra and Access Bank Botswana to launch Botswana’s first Nano Loan product enabling convenient access to affordable real time credit. We are very pleased at the performance and growth of N’stakolle Loan Product and as such we recommend Ezra’s expertise for similar undertakings.

Orange Money

“I am happy to provide a recommendation for Ezra. Ezra provides airtime credit service to customers of Airtel Kenya. We confirm that they discharge their obligations well and hereby recommend them as a service provider for airtime credit service.”


“Access Bank has been working with Ezra for the past five years. The mobile based Nano Loan is the first of its kind in Mozambique, allowing customers of all levels of society to access financial services. We’ve successfully performed four million transactions in the past year alone. We would recommend Ezra Services Ltd for any similar undertaking in any geography that they choose to operate in.”


Speak to our partnership team

Get in touch to learn more about our products and services.