Cheapest way to receive a payment in Mozambique

Cheapest way to receive a payment in Mozambique · UnifyPay

Cheapest

🇲🇿 Cheapest way to receive a payment in Mozambique

Ranked on the equivalent of $100, because the ordering changes with the amount and a table without one is guesswork. Rails a merchant cannot accept are listed separately below rather than allowed to win.

★ Cheapest option

M-Pesa (regional markets)

1.20% effective · MZN 76.49

Methods ranked

A merchant can accept these

Spread to the dearest

2.50 USD

Per $100 taken

All providers in MozambiquePrice a specific amount

★
M-Pesa (regional markets)
Vodacom · Instant
MZN 76.49
1.20%
Listed fee
1.2%, capped at MZN 128.00
Channel
Online
EstimateVisit site
2
Visa / Mastercard International acceptance
Mastercard · 2-3 days
MZN 235.87
3.70%
Listed fee
3.4% + MZN 19.16

Payment methods in Mozambique, cheapest first
#	Method	Listed fee	Channel	Cost on $100	Effective	Basis	Go to provider
★	M-Pesa (regional markets)Vodacom · Instant	1.2%, capped at MZN 128.00	Online	MZN 76.49	1.20%	Estimate	Visit site
2	Visa / Mastercard International acceptance

Cheaper on paper, but not a walk-up option

These settle for less than anything above and the figure is real. It is also not the cost: the payer has to buy the asset and the recipient has to sell it, and both spreads are set by an exchange and not recorded here. Ranking them above rails you can walk up to would put a fraction of the price where the price belongs.

Stablecoin settlement (USDC / USDT)0.05% · Needs a crypto wallet

Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.