Smartphone Financing Infrastructure

ZiraLock powers pay-as-you-go smartphone distribution with secure device-lock technology, real-time M-PESA collections, and automated unlock — built for agents and partners who finance devices at scale.

Our Services

Secure Device Lock

Phones stay locked until fully paid. Remote lock/unlock via API — no physical access needed.

Real-time M-PESA Collection

Weekly or monthly instalments collected via STK Push. Instant confirmation, zero manual reconciliation.

Flexible Payment Plans

Configure weekly, bi-weekly or monthly cycles per device model and partner organisation.

Automatic Unlock

Payment confirmation triggers immediate device unlock. No agent intervention required.

Multi-Agent Management

Role-based access for agents, branches and partners. Track enrollments, balances and commissions.

Real-time Dashboards

Live views of active devices, collections, overdue accounts and portfolio health.

Partner API Integration

REST endpoints for enrolment, lock state queries, payment callbacks and webhook notifications.

Organisation & Branding

White-label payment pages, custom deeplinks and organisation-specific plan catalogues.

Featured Phones

Quality smartphones available on flexible pay-as-you-go plans. Locked until fully paid, automatically unlocked on completion.

Zira Phone X1
Zira Phone X1

Entry-level smartphone

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Zira Phone X2
Zira Phone X2

Popular everyday device

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Zira Phone Pro
Zira Phone Pro

Performance flagship

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Zira Phone Lite
Zira Phone Lite

Budget-friendly option

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Zira Phone Max
Zira Phone Max

Large-screen experience

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Zira Phone Go
Zira Phone Go

Compact & affordable

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