Sources: central bank and operator disclosures, 2024–2025.
How Mozambique pays
Mozambique pays by mobile money first. Vodacom's M-Pesa, Movitel's e-Mola and Tmcel's mKesh reach far more people than bank accounts do, and cash still settles most everyday purchases. Bank cards, issued on Visa and Mastercard and switched domestically through SIMO, are concentrated in Maputo and among higher-income buyers.
Spend from outside the country matters too: visitors, regional trade with South Africa and a Portuguese-speaking diaspora all pay with cards issued abroad. For a merchant, the value is a clear starting point: international cards and express wallets behind one integration, 3DS on card-not-present payments, and retries across acquirers, with metical pricing and FX handled for you.
Why merchants run on us here
Cards and wallets live today
International card acquiring and the express wallets, available now.
A mobile money market
M-Pesa, e-Mola and mKesh are how most Mozambicans pay day to day.
Cross-border buyers
Visitors and regional buyers pay with foreign-issued cards, so routing by card origin matters.
Metical pricing and FX
Price in MZN and settle in your base currency, with FX handled for you.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Mozambique
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Mozambique like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Mozambique today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Mozambican metical (MZN) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Mozambique?
Talk to our payments team about going live in Mozambique — coverage, local acquiring, settlement and timelines for your business.