What renting infrastructure means here
You keep your product, your brand and your customer relationship. We provide the layer underneath: connections to the local mobile wallets and card networks, a hosted payment page, a documented API, signed webhooks, an immutable ledger and a payouts engine, all operating in Meticais.
What is included
Everything a payment product needs on day one.
- REST API with idempotency keys, so a retried request never charges twice.
- Hosted payment pages and shareable payment links for teams without a checkout.
- Signed webhooks with delivery history and retries.
- Double-entry ledger with balances recalculated from immutable entries.
- Merchant onboarding with document verification and status controls.
- Payouts to mobile wallets and bank accounts, with approval steps.
- Risk scoring, velocity limits and per-transaction amount limits.
- Audit logs and two-step verification for administrative actions.
Typical use cases
Global platforms adding a Mozambique payment option; regional PSPs extending coverage; ERP and POS vendors embedding collections into software they already sell; enterprises replacing manual bank transfers and cash handling with recorded digital flows.
Integration effort
A single charge call and one webhook handler are enough for a first working flow. Most teams complete sandbox integration in days rather than months, because there is one interface for every method instead of one per operator.
Operating model
You run the commercial relationship with your users; we run the processing, reconciliation and settlement. Responsibilities for refunds, disputes, support tiers and incident response are agreed in writing before launch, so nothing depends on goodwill during a bad week.
Start a scoping call
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.