What does it take to get a payment processing licence in Mozambique?

To hold a payment processing licence in Mozambique, you need the Agregador de pagamento licence from Banco de Moçambique. Published local presence / incorporation: May adopt the form of a private limited company (sociedade por quotas) or, if it prefers, a public limited company (sociedade anónima). 1 entity currently holds a payment processing licence in Mozambique. Full requirements — minimum capital, local presence, timeline, local ownership, fees and ongoing obligations — are set out below in each instrument's own words, with source and date; amounts are in the statute's own currency.

“Payment processing” here is the normalized activity: Provide payment processing / payment solution services without holding customer funds. Providers in this category cannot keep customers' money.

Activity id (as used by the Afriset MCP): fintech:PAYMENT_PROCESSING

Agregador de pagamento

Banco de Moçambique

Requirement	As published	Source	Source date
Minimum capital	Not officially published: Decreto 50/2024 fixes no metical minimum-capital amount for a payment aggregator; the pre-2024 figures are in the revoked Decreto 99/2019 and no operative published figure was located this build.	Decreto n.º 50/2024, de 11 de Julho — Regulamento da Lei das Instituições de Crédito e Sociedades Financeiras (LICSF); the EPSP regime lives in arts. 51–59 (revokes Decretos 56/2004, 57/2004, 31/2006, 30/2014 and 99/2019, the EPSP decree)	2024-07-11
Local presence / incorporation	May adopt the form of a private limited company (sociedade por quotas) or, if it prefers, a public limited company (sociedade anónima). Verbatim “a forma de sociedade por quotas, ou, querendo, de sociedade anónima, quando se constituam como agregadores de pagamento”	Decreto n.º 50/2024, de 11 de Julho — Regulamento da Lei das Instituições de Crédito e Sociedades Financeiras (LICSF); the EPSP regime lives in arts. 51–59 (revokes Decretos 56/2004, 57/2004, 31/2006, 30/2014 and 99/2019, the EPSP decree)	2024-07-11
Timeline	Not officially published: No fixed number of days within which BdM must grant or refuse the application is published in this regulamento.	Decreto n.º 50/2024, de 11 de Julho — Regulamento da Lei das Instituições de Crédito e Sociedades Financeiras (LICSF); the EPSP regime lives in arts. 51–59 (revokes Decretos 56/2004, 57/2004, 31/2006, 30/2014 and 99/2019, the EPSP decree)	2024-07-11
Local ownership	No such requirement: Decreto 50/2024 sets no ownership-percentage or nationality cap for a payment aggregator.	Decreto n.º 50/2024, de 11 de Julho — Regulamento da Lei das Instituições de Crédito e Sociedades Financeiras (LICSF); the EPSP regime lives in arts. 51–59 (revokes Decretos 56/2004, 57/2004, 31/2006, 30/2014 and 99/2019, the EPSP decree)	2024-07-11
Fees	No such requirement: No application/authorization fee schedule is fixed for an EPSP in Decreto 50/2024.	Decreto n.º 50/2024, de 11 de Julho — Regulamento da Lei das Instituições de Crédito e Sociedades Financeiras (LICSF); the EPSP regime lives in arts. 51–59 (revokes Decretos 56/2004, 57/2004, 31/2006, 30/2014 and 99/2019, the EPSP decree)	2024-07-11
Ongoing obligations	The users' funds held by an aggregator do not constitute the receipt of deposits, nor electronic money. Verbatim “Os fundos dos utilizadores … não constituem recepção de depósitos, nem moeda electrónica”	Decreto n.º 50/2024, de 11 de Julho — Regulamento da Lei das Instituições de Crédito e Sociedades Financeiras (LICSF); the EPSP regime lives in arts. 51–59 (revokes Decretos 56/2004, 57/2004, 31/2006, 30/2014 and 99/2019, the EPSP decree)	2024-07-11

Requirements as published in the cited instruments — not legal or compliance advice. Capital and fees are shown in the currency the statute itself uses. Where a value is located but not yet verified, we show that it exists but don't publish the figure. Verify directly with the regulator.

Maintained: this official source is re-checked on a weekly schedule — last checked 2026-08-04.

Who already holds this licence?

1 entity is on the Banco de Moçambique register under the Agregador de pagamento category — view the register .

What does it take to get a payment processing licence in Mozambique?

Agregador de pagamento

Who already holds this licence?

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