Market specifications

Country reference

`country` code	`currency` code	`amount` decimals
`MZ`	`MZN`	2

Mandatory parameters

Wallet transfers

Wallet transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	-	Yes
`beneficiary.last_name`	Yes	-	Yes
`beneficiary.business_name`	-	Yes	-
`beneficiary.instant_payment.id`	Yes	Yes	Yes
`beneficiary.instant_payment.type`	-	-	-
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes

Payment methods

Mozambique supports payouts via Wallet (Mobile Money) transfer only. Bank Transfer is not currently supported for this corridor.

Use Wallet transfers to send funds using mobile phone numbers tied to local e-wallets.

Wallet transfers

Mandatory parameters

The table below outlines the required parameters for Wallet transfers.

Mandatory parameter	Description
`external_id`	Unique payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method identifier. For wallet transfers, use `INSTANT_PAYMENT`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Mozambique, use `MZ`.
`currency`	Currency of the payout. For Mozambique, use `MZN`. Quotes may be requested in `MZN`, `USD`, or `EUR`; the payout itself is always settled in `MZN`.
`amount`	Payout amount in `MZN`. Minimum `1.00`. Use up to 2 decimal places.
`beneficiary.first_name`	Beneficiary's first name. Between 1 and 50 characters. Mandatory for B2C and P2P. Not required for B2B (optional, up to 50 characters if provided).
`beneficiary.last_name`	Beneficiary's last name. Between 1 and 50 characters. Mandatory for B2C and P2P. Not required for B2B (optional, up to 50 characters if provided).
`beneficiary.business_name`	Beneficiary's registered business name. Between 1 and 100 characters. Mandatory only for B2B.
`beneficiary.instant_payment.id`	Beneficiary's wallet number. Accepted formats: `+258XXXXXXXXX`, `258XXXXXXXXX`, or `XXXXXXXXX` (9 digits). Between 9 and 13 characters.
`beneficiary.instant_payment.type`	Beneficiary's wallet provider. Optional — see Wallet providers below for accepted values and automatic inference behavior.
`remitter.first_name`	Remitter's first name. Between 1 and 100 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Between 1 and 100 characters. Mandatory only for remittance (P2P).

Wallet providers

beneficiary.instant_payment.type, when provided, must be one of the following values.

Wallet	Operator	`beneficiary.instant_payment.type`
M-Pesa	Vodacom	`MPESA`
e-Mola	Movitel	`EMOLA`
M-Kesh	Tmcel	`MKESH`

This field is optional. If omitted, it's inferred automatically from the local 9-digit segment of beneficiary.instant_payment.id, regardless of which accepted format the number was sent in:

Local prefix	Inferred `type`
`84`, `85`	`MPESA`
`86`, `87`	`EMOLA`
`82`, `83`	`MKESH`

An unrecognized prefix is accepted with the type left unset — it is not rejected. If beneficiary.instant_payment.type is provided explicitly, it is never overridden by inference.

Example request

{
  "external_id": "MZ_WT_B2C_001",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "MZ",
  "amount": 1500.00,
  "currency": "MZN",
  "beneficiary": {
    "first_name": "Amelia",
    "last_name": "Machel",
    "instant_payment": {
      "id": "+258841234567"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "MZ_WT_B2B_002",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2B",
  "purpose": "SUPPLIER",
  "country": "MZ",
  "amount": 45000.00,
  "currency": "MZN",
  "beneficiary": {
    "business_name": "Maputo Trading Lda",
    "instant_payment": {
      "type": "EMOLA",
      "id": "258867654321"
    }
  },
  "notification_url": "https://thisisawebsite.net/payments"
}

{
  "external_id": "MZ_WT_P2P_003",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "MZ",
  "amount": 800.00,
  "currency": "MZN",
  "beneficiary": {
    "first_name": "Amelia",
    "last_name": "Machel",
    "instant_payment": {
      "type": "MKESH",
      "id": "823456789"
    }
  },
  "remitter": {
    "first_name": "Carlos",
    "last_name": "Nunes"
  },
  "notification_url": "https://thisisawebsite.net/payments"
}