Agregador de pagamento — Mozambique

The Mozambique category mapped to payment processing.

One of the three EPSP categories under Decreto n.º 50/2024 art. 51: agregador de pagamento. Provides the payment-services list (incl. payment initiation) at art. 59.1; art. 59.3 makes explicit that users' funds held by an aggregator « não constituem recepção de depósitos, nem moeda electrónica » - processing without holding a float, hence PAYMENT_PROCESSING (single-mapped). May adopt the sociedade por quotas or sociedade anónima form (art. 52.1 b). The ICSF register subsections the entities as « Categoria de agregadores de pagamentos ».

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

Source recency: Banco de Moçambique's official list is dated 2025-01 — the most recent official publication; verify current status directly with Banco de Moçambique. Entries below are as reported by that list — not a statement of current status.

Licensed providers

1 entity

#	Provider	Status (as reported)	Source	Source date
1	Paytek Tecnologias e Serviços de Pagamentos, Lda.	licensed	Banco de Moçambique	2025-01

Licence requirements

What it takes to hold this licence, as stated in the cited official instruments. Capital and fees are shown in the currency the statute itself uses.

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. 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.

The equivalent in other markets

Categories mapped to the same normalized activity — fintech:PAYMENT_PROCESSING:

Cross-border rules for Mozambique →