Who partners with us
Four profiles account for most of our partner conversations.
- Software vendors and agencies embedding payments into products they already sell to Mozambican clients.
- Marketplaces and platforms that onboard many local sellers and need split collections and payouts.
- International PSPs and aggregators that want Mozambique coverage without a local build.
- NGOs, operators and enterprises that need recurring local collections or disbursements.
Partnership models
We keep the commercial structure simple and written down before anyone integrates.
- Referral — you introduce merchants, we onboard and support them, and you earn on the volume you bring.
- Reseller — you own the client relationship and pricing, we provide the processing layer behind it.
- Technology — you integrate our API into your product so payments appear as a native feature.
- Platform — you operate a marketplace and we handle collections from buyers and payouts to sellers.
What you get from the local side
The point of a local partner is removing the parts that are slow to solve from outside the country: mobile wallet coverage across M-Pesa, e-Mola and mKesh, card acceptance with 3-D Secure, settlement in Meticais, merchant verification, and support that answers in Portuguese during Maputo business hours.
Commercials
Standard processing is a single 10% fee per transaction with no monthly charge, no setup fee and no maintenance fee. Partner and volume-based arrangements are agreed case by case and always in writing, including settlement timing, responsibilities for disputes and the exit terms.
How a partnership starts
First a short call to understand your flows and volumes. Then a written scope and commercial terms. Then sandbox access so your team can integrate and test every scenario. Go-live happens after merchant verification and a small real transaction, not before.
Talk to us
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.