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Deposit, send and withdraw money, buy credit, activate offers, pay water, buy energy, pay for TV, take out a loan or Xitique from your cell phone. M-Pesa is done.&nbsp;M-Pesa Make your life easier

Features

Funcionalidades de destaque a serem apresentadas directamente na página principal

M-Pesa for individuals

Deposit, send and withdraw money, buy credit, activate offers, pay water, buy energy, pay for TV, take out a loan or Xitique from your cell phone.

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With M-Pesa Business your business is closer to millions of Mozambicans. Wherever they are. With our solutions for companies, you can receive payments through M-Pesa in person or remotely, including on online platforms, or make mass payments to employees, suppliers and beneficiaries. Also join M-Pesa Business For more information, please contact our Corporate Clients department via email at <a href="mailto:M-Pesa.Business@vm.co.mz">M-Pesa.Business@vm.co.mz</a> or on <a href="tel:840900000">84 09 00 000</a>.&nbsp;M-Pesa Make your life easier

M-Pesa for Business

Make collections and disbursements to ensure greater convenience and productivity for your employees, customers and partners.

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Gather step by step and receive all at once without any dependencies.

Xitique with M-Pesa

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Pay your ADEM/FIPAG water bill with M-Pesa wherever you are

Pay your water bill from the comfort of your house.Dial *150#, option 6-Payments, then 3- Water, type the entity (check on your invoice), follow the steps. The confirmation message is your receipt. Write the code that comes in the message on your invoice. You can also use the Meu M-Pesa app available for App Store and Play Store.&nbsp;M-Pesa Make your life easier

Water 

Pay for water with M-Pesa

Additional Information

M-Pesa Tarrifs Simulator

You can simulate the different operations of M-Pesa

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To have an M-Pesa account1- Find an M-Pesa Agent with your phone number and a valid official identification document (ID, Driving License, Voter Card, Passport, DIRE, Military Registration Card, Combatant Card, Demobilized Card, or Refugee Identification Card).2- Give the document and your phone number to the Agent, who will open your M-Pesa account.3- Afterwards, you will receive an SMS from M-Pesa with your initial PIN.4- Type *150# and select the language. Choose an initial PIN and... Já está (it’s done) you’re already an M-Pesa family member.&nbsp;&nbsp;Download the <a href="https://website-cms.api.prod.ind.vm.co.mz/uploads/Formulario_de_registo_1_bb8b4bb8cc.pdf">Registration form</a> M-Pesa Make your life easier

M-Pesa Tips

Dicas de segurança e utilização do M-Pesa

Join M-Pesa

Follow the steps below and register and join this great family

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Did you know that your M-Pesa account can reach the annual inflow and outflow limit? Avoid being blocked from receiving and depositing your spring.How to update?You just have to dial <a href="tel:*150#">*150#</a> on your cell phone, choose option 9 - My account and then select 4 - Update data, follow the steps and that's it. The account is immediately updated and you can now ask your friends to send you more confirmations. &nbsp;But that is not all! If you prefer personalized service, go to a Vodacom store with a valid ID or other form of photo identification.&nbsp;M-Pesa Make your life easier

Transaction limit

Did you know that you can check your account limit? incoming and outgoing money?

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If you suspect that your PIN has been seen or is known to someone, change it immediately. Type <a href="tel:*150#">*150#</a> in the “My Account” option and follow the steps.In the My M-Pesa App using the link: <a href="http://onelink.to/xanf67">http://onelink.to/xanf67</a>, click on settings; Change PIN and follow the steps.The PIN is secret!M-Pesa Make your life easier

Keep the PIN Secret

Don't share your PIN and if you suspect someone else has it, change it immediately.

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Paga Fácil is an M-Pesa service that allows merchants to collect amounts from their sales to customers who have M-Pesa accounts from a mobile device. The merchant can have several cashiers linked to his entity.To make life even easier for Customers, the service now has zero cost. In other words, there are no additional fees for the Customer whenever they make a payment to the merchant through Paga Fácil.Paga Fácil is an M-Pesa service that allows merchants to collect amounts from their sales to customers who have M-Pesa accounts from a mobile device. The merchant can have several cashiers linked to his entity.To make life even easier for Customers, the service now has zero cost. In other words, there are no additional fees for the Customer whenever they make a payment to the merchant through Paga Fácil.&nbsp;How to pay at a Paga Fácil merchant? The service is available through the My M-Pesa application available on&nbsp;<a href="https://onelink.to/xanf67">Google Play</a>&nbsp;and&nbsp;<a href="https://onelink.to/xanf67">App Store</a>, as well as on USSD *150#, 6-Payments, 1- Merchant Paga Fácil. Enter the Merchant Code - the merchant code will always be visible to the public at all Paga Fácil merchants.&nbsp;What are the advantages of Paga Fácil? For the Customer<ul><li style="text-align:justify;">No taxes</li><li style="text-align:justify;">No change concerns</li><li style="text-align:justify;">Easy to use</li><li style="text-align:justify;">Fast</li><li style="text-align:justify;">No risk of loss or theft of valuables.</li></ul>&nbsp;For the Merchant<ul><li style="text-align:justify;">Make payments from 5MTs</li><li style="text-align:justify;">No change concerns</li><li style="text-align:justify;">Ability to receive multiple payments simultaneously at the same cashier</li><li style="text-align:justify;">Security of collected values</li><li style="text-align:justify;">Collection of receipts for M-Pesa account or</li><li style="text-align:justify;">bank account (BIM, BCI or Standard Bank)</li><li style="text-align:justify;">Immediate availability of values</li><li style="text-align:justify;">Control of daily transactions.</li></ul>&nbsp;How to become a Paga Fácil merchant? It is applicable to all licensed establishments that wish to collect amounts from customers through the M-Pesa service. To become a Paga Fácil merchant, the candidate must fill out the Paga Fácil service membership form and send it to the email address M-Pesa.Payments@vm.co.mz and or to the physical address Rua dos Desportistas, nº 649, Edifício Vodacom, 1 ° floor.&nbsp;Requirements to add to the membership form:<ul><li style="text-align:justify;">Have a physical commercial establishment with a fixed presence (service not applicable to street/semi-street vendors);</li><li style="text-align:justify;">Hold a Commercial License.</li><li style="text-align:justify;">Identification document of the owner of the establishment.</li><li style="text-align:justify;">NUIT (Unique Tax Identification Number);</li><li style="text-align:justify;">M-Pesa individual account.</li><li style="text-align:justify;">Bank Account in one of the banks integrated with the M-Pesa service (Optional);</li></ul>&nbsp;M-Pesa Make your life easier

Notícias de destaque, apresentadas nos banners 

Paga Fácil 

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Funeral Cash Insurance is flagship product for M-Pesa Insurance under the Financial Services department that seeks to bring funeral or burial cover as a benefit to all M-Pesa clients. This service is offered underwritten by Sanlam Vida one of the biggest Life Insurance Provider in Mozambique. M-Pesa serves as the distribution and technical partner for this offer and Sanlam will oversee all the risk and the cover payments.&nbsp;Advantages&nbsp;• Affordable, convenient and simple insurance cover • Rapid claims processing-WhatsApp Claims Bot • Guaranteed funeral cover lumpsum. • Digital Insurance&nbsp;Who is it designed for?&nbsp;• All Tier 2 clients between the ages of 18yrs to 70yrs. • Those with Mozambican Nationality and following KYC: • Captured- Full name, ID number, Gender, Nationality, D.O.B.&nbsp;How much does it cost?&nbsp;The funeral cover come under 3 Plans paid for Monthly or for any period one chooses.&nbsp;How to access? • Dial <a href="tel:*150#">*150#</a> • Select Option “7. M-Pesa Insurance” • Enter your M-Pesa 4-digit PIN Code • Accept T&amp;C’s • Follow the steps to register&nbsp;How to add a Beneficiary?&nbsp;Adding a Beneficiary is mandatory, and this is allowed automatically. How to add beneficiary: • Dial <a href="tel:*150#">*150#</a> after activating the policy • Insert your M-Pesa 4-digit PIN Code • Enter the beneficiary MSISDN • Confirm Beneficiary Details • Choose either to notify or not notify the beneficiary&nbsp;&nbsp;&nbsp;&nbsp;

Funeral Cash Insurance

Get access to Funeral Insurance with M-Pesa

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To make a loan, the Customer simply has to access the M-Pesa Menu *150# or through the My M-Pesa app, choose the Txuna M-Pesa option and follow the steps.&nbsp;Loans can be paid in:• 7 days (with 10% service charge),• 14 days (with 12% service charge)• 30 days (with 15% service charge).&nbsp;<h4 style="text-align:center;">Why stay Txonado, when you can get Txunado?</h4>&nbsp;Find answers to the most frequently asked questions about Txuna M-Pesa here&nbsp;The Terms and conditions of use of Txuna with Moza Banco are available &nbsp;<a href="https://website-api.vm.co.mz/uploads/Termos_e_Condicoes_Txuna_M_Pesa_Moza_Banco_3fe75d1219.pdf">here</a>.Txuna's Terms and Conditions of Use with Access Bank are available <a href="https://website-api.vm.co.mz/uploads/Termos_e_Condicoes_Txuna_M_Pesa_Access_Bank_6d0c041509.pdf">here</a>.&nbsp;M-Pesa Make your life easier

Txuna M-Pesa

Take out a loan at the bank without needing a bank account.

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Now you can make transfers to up to 5 people at once from your contact list.And you can still see the balance and rate before confirming the transaction.
Have you tried this feature yet? Download via the link: <a href="https://onelink.to/xanf67">https://onelink.to/xanf67</a> and use it without spending megas.&nbsp;M-Pesa Make your life easier

Multiple transfers

Transfer money to up to 5 friends on the My M-Pesa app

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Buy CREDELEC from everywhere using your mobile phone in a fastest way. You can buy CREDELEC from 10MT on the second purchase of the month. Download the app via the link:&nbsp;<a href="http://onelink.to/xanf67">http://onelink.to/xanf67</a>&nbsp;or type <a href="tel:*150#">*150#</a>, follow the steps and that's it.

CREDELEC

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To send from M-Pesa to IZI:&nbsp;Type <a href="tel:*150#">*150#</a>,&nbsp;3- for Bank,&nbsp;3- Millennium IZI,&nbsp;and follow the steps.&nbsp;From IZI to M-PesaType <a href="tel:*181#">*181#</a>Select your accountChoose option 7 - M-PESAWrite the amount you want to sendWrite the cell phone number of the person you want to send money to&nbsp;M-PesaMake your life easier

Now with M-Pesa it's IZI 

Send money between M-Pesa and Millennium IZI easily, quickly and safely

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This &nbsp;a publicly application programming interface that provides companies/developers with access to a proprietary software application or web service. APIs are sets of requirements that determine how one application can communicate and interact with another.&nbsp;API features C2B - Allows all merchants with a sales website/application or a shop and a sales software (Integrable with M-Pesa), to receive payments from Customers with M-Pesa accounts, using synchronous and asynchronous methods.This includes two aspects: Remote - For online purchases/payments on websites, mobile apps or USSD codes; Onsite – For commercial establishments (Lajas, Supermarkets, and entities whose payments are made in person. B2C – Allows all organizations that have any payment software to integrate with M-Pesa for disbursements to customers/beneficiaries with an M-Pesa account automatically.B2B – Allows organizations to make payments/transfers between themselves from corporate M-Pesa accounts. Reversal – For requesting reversals of transactions/payments made by customers. Query Transaction Status – For querying the status of transactions made by customers and/or the company for beneficiaries. M-Pesa developer portal <a href="https://developer.mpesa.vm.co.mz/">https://developer.mpesa.vm.co.mz/</a>&nbsp;M-PesaMake your life easier

M-Pesa Open API

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To pay Insurance free of charge dial *150#, 6. Payments, 8. InsuranceChoose your insurance provider (Hollard, Sanlam Kgaya, EMOSE, Índico or Britam)Insert the Reference (check on the invoice)Enter the amount to be paid (check the invoice)And follow the stepsYou can also use the Meu M-Pesa App <a href="http://onelink.to/xanf67">http://onelink.to/xanf67</a>Make your life easier

Pay Insurance with M-Pesa

Pay your Insurance free of charge with M-Pesa

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To make your life even easier, we launched a new version of the My M-Pesa AppNow with a new look and new features that allow you to:<ul><li>Send money up to 5 people at the same time;</li><li>Request Money (request a transfer from someone without having to make a call or send an SMS)</li><li>Tariff Display;</li><li>Biometrics (fingerprint and Face ID);</li><li>Customize options;</li><li>Invite friends,</li><li>Customize menus,</li><li>Transactions Limit,</li><li>If you still don't have the app, download it now from&nbsp;Google Play&nbsp;or&nbsp;App Store&nbsp;disclose this great news to your friends and family.</li></ul>If you don't have the app yet, download it now from&nbsp;<a href="https://onelink.to/xanf67">Google Play</a>&nbsp;or&nbsp;<a href="https://onelink.to/xanf67">App Store</a>&nbsp;and share this great news with your friends and family.M-PesaMakes your life easier

My M-Pesa APP 

Now with even more features to make your life easier

Financial inclusion encourages the progressive improvement of the population's living conditions, promoting the sustainable and balanced development of the economy and the financial sector.M-Pesa's business solutions allow your company to respond more easily to the challenges imposed by market dynamics regarding collections and disbursements in order to guarantee greater convenience and productivity for your employees, customers and partners.&nbsp;M-Pesa Make your life easier

Companies

The right partner for companies looking for solutions tailored to their business.

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<h2 style="margin-left:0px;text-align:justify;">Pay for TV with M-Pesa wherever you are</h2><figure class="image"><img src="https://www.vm.co.mz/var/corporate/storage/images/media/images/14-pagar-factura-cel_imagelarge/671503-1-por-MZ/14-pagar-factura-cel_imagelarge.jpg" alt=""></figure>To pay for the TVCABO service with M-Pesa, follow the steps below:<ol><li style="text-align:justify;">Dial *150# and press the call button.</li><li style="text-align:justify;">Select option 6 - Payments.</li><li style="text-align:justify;">Select option 4-TV and then 5- TVCABO;</li><li style="text-align:justify;">Enter the invoice reference, the amount to be paid and your M-Pesa account PIN;</li><li style="text-align:justify;">Check the data and select 1 to confirm the transaction.</li></ol>&nbsp;<figure class="image"><img src="https://www.vm.co.mz/var/corporate/storage/images/media/images/15-pagar-tv-cabo-01_imagelarge/671507-1-por-MZ/15-pagar-TV-Cabo-01_imagelarge.jpg" alt=""></figure>You can also pay for GoTv, DSTv, Zap and water services from your M-Pesa account. To do this, you always have to go to the M-Pesa menu by typing *150# and selecting the 6-Payments option. Then select the desired option and follow the remaining system instructions.All transactions carried out on M-Pesa are confirmed by SMS indicating the amount paid, account balance and code of the transaction carried out.&nbsp;M-Pesa Make your life easier

Pay TV with M-Pesa

<h3 style="text-align:justify;">Do you have a dream to fulfill but investing everything at once is difficult? Xitique makes it easy.</h3>Save your money little by little and make your dreams come true without depending on anyone, with Xitique on M-Pesa.This service comes to make Customers' lives even easier as it responds to a need to modernize the way they make Xitique and save money in an easy, quick and safe way for later use.With the money saved in Xitique you can buy new furniture/appliances, finish or improve your home, or even save money to pay water bills, Credelec, monthly fees and other services available in the M-Pesa menu.&nbsp;Defining the contribution amount: This feature allows you to choose the exact amount that the customer wishes to contribute, different from the pre-defined amount in the menu.&nbsp;Automatic contributions: This feature ensures that contributions are made without using the menu.&nbsp;Extra contributions: This feature allows you to make accumulated contributions if you have a value above the amount chosen for the contribution. It also allows you to contribute on days when, for some reason, you have not contributed.&nbsp;What types of Xitique are there? There are three ways to contribute Xitique M-Pesa, two daily (receivable on Friday or the end of the month) and one weekly (receivable on the last day of the month).&nbsp;Daily Xitique: Daily contribution lasting one week Contribute daily to receive on Friday. The Payments (receive Xitique) will be made every Friday, regardless of the day of subscription - you only receive payments on contribution days.&nbsp;Montly Xitique : Daily contribution lasting one month Contribute daily to receive on the last day of the month; The Payments (receive Xitique) will be made on the last day of the month, regardless of the day of subscription - you only receive payments on contribution days.&nbsp;Weekly Xitique: Weekly contribution with choice of number of weeks from (1-6) Deposit occurs every 7 days until the end of each week; The Customer has the option to choose the number of weeks they wish to contribute;&nbsp;<h4 style="margin-left:0px;text-align:justify;">How to join Xitique?</h4>1. Enter *150#; 2. Choose option 4 – Xitique M-Pesa; 3. Then the options 1- Daily (where you can choose to receive it on Friday or at the end of the month) or 2- Weekly (where you can choose the number of weeks in which you want to receive the xitique from 1 to 6 weeks); 5. Choose the Value 6. Enter PINThe cost per contribution is&nbsp;2MT.Xitique terms and conditions can be found <a href="https://website-api.vm.co.mz/uploads/Termos_e_Condicoes_XITIQUE_M_Pesa_Portugues_543a5ff64c.pdf">here</a>.&nbsp;M-Pesa Make your life easier

Xitique M-Pesa

Save your money little by little and make your dreams come true without depending on anyone, with Xitique on M-Pesa.

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With a fresh new look the M-Pesa App makes your life easier. 

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Agora com um novo look e novas funcionalidades para facilitar ainda mais a tua vida.