ClicPay guide
Online payments in Mozambique: how to accept them securely
Accepting digital payments in Mozambique requires a simple customer experience and an operation that can track every transaction. This guide explains the available options and how to choose the right approach.
Updated August 2026What are online payments?
Online payments are charges initiated and tracked through digital channels. A customer can pay with a mobile wallet or card while the merchant receives a reference and reviews the transaction status.
Payment methods used in Mozambique
A local solution should support the payment methods customers use every day. ClicPay has integrations for M-Pesa, e-Mola and m-Kesh, as well as card payments through NetShop. Availability depends on the account and contracted service.
Mobile wallets
M-Pesa, e-Mola and m-Kesh let customers confirm a payment from their mobile phone.
Cards
The NetShop integration enables card payments in supported flows.
Payment links or API: which should you choose?
Payment links are suitable for getting started quickly: the merchant creates a charge and shares its address with the customer. The API is designed for payments that need to be part of a website, app or internal process.
Use links when
- You want to start without development
- You charge through WhatsApp, email or social media
- You need one payment page per charge
Use the API when
- You have your own website or application
- You need to automate references and statuses
- You want to receive events through webhooks
Security, statuses and reconciliation
A charge does not end when the customer confirms payment. References must be preserved, received statuses validated and a history maintained to reconcile each movement. In technical integrations, signed webhooks help the merchant system verify event origin.
How to start accepting payments with ClicPay
Create a ClicPay account, complete the requested checks and choose between payment links and API integration. Technical teams can start in the sandbox and review the documentation before using production credentials.