# Mozambique — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/MZ
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **M-Pesa** leading (6M+ users)
- **Interoperability** achieved (July 2022)
- **e-Mola QR** code payments
- **Millennium BIM** QR banking
- **40% mobile money** adult accounts

## Banking landscape

### Central Bank
- **Name:** Banco de Moçambique (BdM)
- **Website:** https://www.bancomoc.mz/
- **Role:** Monetary policy, interoperability mandate

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Millennium BIM | International | Smart IZI App |
| 2 | BCI | Local | BCI App |
| 3 | Standard Bank Mozambique | International | SB App |
| 4 | Absa Mozambique | International | Absa App |
| 5 | Moza Banco | Local | Moza App |

### Market Structure
- **M-Pesa:** Market leader (Vodacom)
- **e-Mola:** Movitel service
- **mKesh:** Tmcel (state) service
- **40%:** Adult mobile money

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| M-Pesa | Vodacom | Mobile money | Leader |
| e-Mola | Movitel | Mobile money | Active |
| mKesh | Tmcel | Mobile money | Pioneer (2012) |
| Interoperability | BdM | Cross-platform | July 2022 |

### Interoperability Achievement
- Announced July 2022
- M-Pesa, mKesh, e-Mola connected
- Central bank facilitated
- Seamless cross-platform transfers

### Mobile Money History
- mKesh: 2012 (first, Tmcel)
- M-Pesa: 2013 (Vodacom)
- e-Mola: 2014 (Movitel)
- All now interoperable

---

## QR code standards

### e-Mola QR

| Attribute | Value |
|-----------|-------|
| **Provider** | Movitel |
| **App** | e-Mola |
| **Feature** | QR scan from gallery |
| **Merchants** | Multi-cashier support |

### e-Mola QR Features
- Scan QR from photo gallery
- Merchant payments
- Cashier selection
- Multiple payment points

### Millennium BIM Smart IZI

| Attribute | Value |
|-----------|-------|
| **Bank** | Millennium BIM |
| **App** | Smart IZI |
| **QR** | Read and generate |
| **Integration** | M-Pesa, e-Mola |

### BIM QR Features
- Generate personal QR codes
- Read/scan QR codes
- IZI withdrawals (cardless)
- Mobile transfers to wallets
- Intrabank/interbank transfers

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| M-Pesa | Vodacom | Yes | Full wallet |
| e-Mola | Movitel | Yes | QR scan |
| mKesh | Tmcel | Limited | First wallet |
| Smart IZI | BIM | Yes | Banking + QR |

### M-Pesa Mozambique
- Market leader
- 6 million+ users (2022)
- IFC partnership 2024
- Farmer focus
- Interoperable

### e-Mola Features
- QR code payments
- Gallery scan support
- Bill payments
- P2P transfers
- Merchant network

### Smart IZI (BIM)
- Full banking app
- QR code generation
- QR code reading
- M-Pesa/e-Mola transfers
- IZI cardless withdrawal

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Interoperability](https://docs.barcoder.ai/docs/payments/MZ/interoperability) | Cross-platform | Wallet | July 2022 | — |
| [e-Mola QR](https://docs.barcoder.ai/docs/payments/MZ/e-mola-qr) | Mobile QR | App | Active | [`e-mola-qr`](https://docs.barcoder.ai/docs/standards/e-mola-qr) |
| [BIM QR](https://docs.barcoder.ai/docs/payments/MZ/bim-qr) | Bank QR | Smart IZI | Active | — |

## Sources

- [Club of Mozambique - Interoperability](https://clubofmozambique.com/news/mozambique-mobile-wallets-m-pesa-mkesh-and-e-mola-are-now-interconnected/)
- [Banco de Moçambique - Interoperability](https://www.bancomoc.mz/media/edrlrwxe/communiqu%C3%A9-interoperability-of-mobile-money-operators-in-effect-mkesh-m-pesa-and-e-mola.pdf)
- [TransFi - Mozambique Payments](https://www.transfi.com/blog/most-used-local-payment-methods-and-solutions-in-mozambique)
- [IFC - M-Pesa Partnership](https://www.ifc.org/en/pressroom/2024/ifc-and-m-pesa-partner-to-increase-financial-inclusion-in-mozambique)
- [App Store - e-Mola](https://apps.apple.com/mz/app/e-mola/id1484826743)
- [Google Play - Millennium BIM Smart IZI](https://play.google.com/store/apps/details?id=com.ebankit.android.millenniumbim)
- [Club of Mozambique - 2023 Growth](https://clubofmozambique.com/news/mozambique-mobile-phone-financial-services-soar-in-2023-251652/)
- [Africa Press - Interoperability](https://www.africa-press.net/mozambique/all-news/mobile-wallets-m-pesa-mkesh-and-e-mola-are-now-interconnected)

## Full country report

[MZ-mozambique.md](https://docs.barcoder.ai/docs/payments/MZ)