Mobile payment solutions are increasingly being used in micro-finance to facilitate financial transactions, particularly among rural women farmers who face challenges with traditional banking systems. An action research approach was employed, involving qualitative data collection through interviews and focus group discussions with a sample of rural women farmers. A significant finding was that mobile payment solutions were well-received and facilitated easier access to micro-finance compared to traditional banking methods. Women reported improved financial management and reduced transaction costs. Mobile payment solutions have the potential to enhance micro-finance adoption among rural women farmers in Zimbabwe, offering a viable alternative to conventional banking systems. Further research should be conducted to explore scalability and sustainability of mobile payment solutions for broader micro-finance beneficiaries in rural areas. mobile payments, microfinance, rural women farmers, Zimbabwe, action research