The problem with collecting from abroad
Foreign checkouts ask Mozambican buyers for an international card most of them do not hold, price in a currency they do not earn in, and fail at the exact moment of payment. The lost sale is invisible in your analytics: it looks like a bounce, not a payment failure.
What local collections change
The differences are concrete and measurable in your conversion rate.
- Prices and totals shown in Meticais, with no conversion surprise.
- M-Pesa, e-Mola and mKesh alongside Visa and Mastercard in one checkout.
- A payment prompt on the customer's own phone, confirmed with a PIN.
- Portuguese-language messages and error handling at the point of failure.
- Funds available in your balance in real time, net of the fee.
Ways to collect
Three options, and most companies use more than one: the API for a checkout you control, a hosted payment page you redirect to, and payment links for sales teams that close over WhatsApp or email without any integration at all.
Reconciliation and reporting
Every collection is recorded with method, amount, fee, net value, customer contact and reference, and can be exported for accounting. Because balances derive from an immutable ledger rather than a running total, your reconciliation matches the platform's without manual adjustment.
Compliance and onboarding
Collecting merchants complete document verification before withdrawals are enabled. Risk scoring, per-transaction limits and velocity limits apply to every charge, and administrative actions are recorded in an audit log.
Get a collections scope
Write to suporte@pay.co.mz or call +258 82 7369 480 with your volumes, methods and target launch date, and we will come back with a written scope.