TITO is a payments technology company, built to modernise how minibus taxi industry moves money. We operate as part of the Digittal group — drawing on Digittal’s broader payment infrastructure expertise — while focused entirely on one mission: bringing safe, digital, cashless payment solutions to mini taxi operators, drivers, and commuters.
We are driving the shift away from cash-based fare collection toward a modern, transparent, and secure payments ecosystem — built specifically for the realities of the taxi industry, not adapted from generic retail payment systems.
We design and deploy digital fare collection and payment solutions purpose-built for the minibus taxi sector, including:
Cashless fare collection — enabling commuters to pay digitally, reducing cash handling and the risks that come with it
Driver and operator payment tools — simple, reliable systems that fit into existing taxi operations without disruption
Transaction visibility and reconciliation — giving operators clear, real-time insight into revenue and trips
Scalable payments infrastructure — built to support the industry from individual operators up to associations and route networks
Built for Longevity
Our focus is the Southern Africa Region’s minibus taxi industry, where we’re working directly with industry stakeholders to roll out solutions that are practical, affordable, and built for how the industry actually operates.
We offer a mass transit solution that enables the management of financial splits between owners, drivers, conductors, and other stakeholders in the mini taxi / transit industry.
The solution streamlines the complex financial management of revenue splits between all stakeholders in the transit industry.
The online/offline solution includes an intuitive fare calculation system that allows for hop-on / hop-off transactions, making it easier for passengers to pay for their trips and for transit operators to manage revenue.
The Digittal solution allow for complete interoperability between different operators and different transport modes. All while still maintaining complete transparent financial settlement to stakeholders.
Cash-based fare collection makes it nearly impossible to know exactly what a vehicle earned on any given day, leaving owners reliant on driver honesty and guesswork. With TITO, every fare is recorded digitally and split automatically the moment it's paid — so operators get a real-time, accurate view of revenue per vehicle, per driver, and per route, without having to chase down cash at the end of a shift.
Beyond visibility, the automatic split model protects owners financially. Instead of waiting for a driver to hand over takings — and hoping the amount is correct — the operator's share is settled directly and consistently, reducing disputes and removing the temptation for under-reporting. Over time, this data also gives owners a clearer basis for fleet decisions: which vehicles are performing, which routes are most profitable, and where to invest next.
For drivers, TITO removes the daily burden and risk of carrying cash — a real safety concern in the taxi industry, where cash-in-hand makes drivers a target. Digital payments mean drivers no longer need to handle, count, or safeguard large amounts of physical money during a shift and every trip is automatically logged, so there's a clear, disputable record of what was earned rather than relying on memory or handwritten totals.
The split-payment model also works in the driver's favour: their share is calculated and allocated automatically and fairly, according to agreed commission terms, rather than being negotiated or estimated at the end of the day. This transparency reduces friction with operators and builds a verifiable income history over time — which can matter for drivers seeking financing, insurance, or simply proof of consistent earnings.
Commuters benefit first and foremost from convenience and safety: no more needing exact change, digging for coins, or carrying cash specifically for taxi fares. A simple tap or scan from a digital wallet handles payment instantly, making the whole boarding experience faster and less stressful — particularly valuable during rush hour or when travelling with luggage or children.
There's also a trust dimension. Digital payment leaves a record, which means fewer disputes over change or fare amounts, and a safer commute overall, since carrying less cash reduces the risk of theft for commuters on crowded or informal transport routes. As adoption grows, this also lays the groundwork for added conveniences down the line, such as trip history, fare receipts, or loyalty benefits — none of which cash payments could ever offer.
Digittal is an electronic payment gateway platform that provides Enterprise Payment Solutions, which includes financial settlement, for large Public and Private Sector clients. Digittal is designed to manage, secure multi-currency small and large transactions efficiently and cost effectively in real-time.
TiTo makes paying for your taxi trip as simple as tapping your card. No cash, no change, no waiting around — just a quick tap in when you board and a tap out when you arrive. Here’s what you need to know to get started.
TiTo is a contactless, tap-to-pay platform built for South Africa's minibus taxi industry. Simply tap in when you board and tap out when you get off, and the correct fare for that trip is worked out and paid automatically. No cash, no change, no arguments over fare.
It's simple: join TiTo, get your TiTo card, and top up your wallet — then you're ready to tap in and tap out on every trip. No cash, no change, no waiting. You can top-up your TiTo wallet using cash, your TiTo mobile app linked to your bank-card or a USSD code (*120*8486#) , so everyone can pay their way, whether they're banked, unbanked, or using a smart-phone.
TiTo taps are approved instantly on the device itself — in about 25 milliseconds — without waiting for a signal, so trips are never lost to network dropouts or dead zones. If your card is lost, it can be blocked and replaced; because TiTo doesn't store your balance on the card itself, you don't lose your money along with it.
Every tap settles in real time : the driver receives the fare in line with his arrangement with the owner, and the owner's fixed fee and the association's levy are deducted automatically — the same split the industry already uses in cash, just instant and automatic. These rules are set by the taxi industry itself, not imposed by TiTo, and can be configured per route, per association and per operator.
info@tito.io
South Africa +27 (564) 694875
UK +44 (669) 7548567
293 E. Manchester St. Johannesburg
