Token Advance Services

Increase sales by including Token Advance Service (TAS) in your product suite. Token Advance Service is easy to integrate, easy to operate, and gives your customers a convenient way to top up their meter – wherever they are, and whenever they need it. Even when they have no balance in their account.

Product features

Enhanced user experience

Simple user journey with a real-time interface, and simple repayment - your customers just need to purchase a new token through any channel

Minimal risk

Depending on your appetite, Ezra can cover the majority of the risk

Improve financial inclusion

Empower your customers to access essential services when they need them most

Who can use the

Utility Providers

Drive utility token sales and enhance customer experience, with a convenient 24/7 top-up solution

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.