A perfect solution to this would be payments via mobile phones which almost everybody has, the great news is we already have such mobile payment solution. The solution not only targets users without any online payment facility, but also provides an dead simple to use, new-user friendly payment facility.
A confirmation of charges is sent from both ZONG (mobile payment gateway) and your cellphone device provide (Airtel in this case).
The charges will be reflected in my upcoming carrier bill, in-case of pre-paid connection the same may get deducted immediately.

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Mashine ya kisasa yenyeuwezo wakufanya huduma mbalimbali kama vile tigesa,m pesa Airtel money,kuuza umeme wa luku,vocha za kurusha mitandao yote,kulipia ada ya vinga'amuzo,dawasco nk. Check out the screenshot below and you will notice an "Pay using your mobile" option with the usual payment options, in the example below facebook is using the mobile payment service "Zong" from Paypal to target there users en masse - whether they have an online payment facility available or not.
A user simply needs to send a text-message within a given time after initiating the checkout to complete the payment, once completed the user is charged by their cellphone service provider and the carrier settles this with merchant.

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