Link, checkout or API
Share a payment link, redirect to a hosted page or create payments through the API from your own site.
Stablecoins · Mozambique
Accept USDT and USDC payments in Mozambique
Collect USDT and USDC payments in Mozambique through a payment link, hosted checkout or API, using the assets and networks enabled for your account.
Create a business account
Stablecoin payments in Mozambique depend on your account, its verification and the assets and networks enabled.
USDT
USDCStablecoin payments
Your prices in local currency.
Your customers pay in USDT or USDC while you price and keep your accounts in MZN. The checkout shows the asset, network, amount and address for each payment, and your merchant workspace tracks its confirmation. Assets, networks and limits depend on your account and its verification.
Exact instructions for every payment
The customer sees the asset, network, amount and address to use. Sending on the wrong network can lose funds.
Confirmation tracking
Fulfil only when the payment shows confirmed in your merchant workspace, never on the strength of a screenshot.
Know the risks
Stablecoins are designed to track the US dollar but can deviate. They carry issuer, market and network risks and are not bank deposits.
How it works
Create your business account
Register your business in Mozambique and complete the required verification. Enabled features appear in your workspace.
Create the payment
Generate a link, a checkout or an API payment for the order amount.
The customer pays in stablecoins
The customer sends the exact asset on the stated network to the address shown for that payment.
Reconcile and fulfil
Track the confirmation in your merchant workspace, then process the order.
Taking USDT and USDC in Mozambique: registration rules, records and confirmation
Mozambique’s national currency is the metical (MZN). The Banco de Moçambique is the central bank, and its stated main objective is preserving that currency. Its Governor decides the characteristics and face value of metical notes and coins. If stablecoin payments are enabled for your account, your customers pay in USDT or USDC while you keep setting prices, issuing invoices and keeping your accounts in MZN terms. Decide how you convert an MZN price into a stablecoin amount when the order is created, and record that reference with the sale.
Know the virtual asset registration rules
Banco de Moçambique Notice No. 4/GBM/2023 of 14 September 2023 sets minimum requirements for registering virtual asset service providers. The central bank works under Law No. 14/2023 of 28 August on preventing money laundering and terrorist financing. In 2023 it also included virtual asset service providers among the supervised institutions invited to its sector risk assessment. Before you start, check with the Banco de Moçambique or a local adviser whether any of these rules apply to the way your business takes stablecoin payments.
Keep a clear record of each sale in MZN terms
The Banco de Moçambique says it must make sure obliged institutions comply with the legislation on preventing money laundering, terrorist financing and proliferation financing. Whatever your own status, keep a complete trail for every stablecoin sale: the MZN price, the asset and network, the amount received, the transaction reference and the order it settles. Be cautious if a customer asks to split a payment, pays from an unrelated party, or overpays and wants the difference sent elsewhere. For tax treatment and reporting, check with the Autoridade Tributária de Moçambique or your accountant.
Fulfil only after confirmation in your workspace
Release goods or services only once the payment shows as confirmed in your workspace. A screenshot, a transaction hash pasted in a chat or a message saying the transfer is on its way is not enough. Check that the asset and network match the checkout before you act. If you need to refund, return the funds in the same asset and on the same network, to an address the customer confirms in writing. Record the refund against the original MZN order so your books and any dispute stay consistent.
These Banco de Moçambique sources describe Mozambique’s currency and its rules on virtual asset service providers and anti-money laundering. They do not establish a ZyndPay licence, partnership, regulatory approval, or availability for your account.
FAQ
Your questions. Answered.
Can a business in Mozambique accept USDT with ZyndPay?
If stablecoin payments are enabled for your account after verification, you can create USDT and USDC links, checkouts or API payments. Availability depends on your account and the checks that apply.
Do my customers in Mozambique need a ZyndPay account?
No. Customers pay from the wallet of their choice, following the asset, network and address shown on the payment page.
How do I price in MZN?
You keep your prices and accounts in MZN. The stablecoin amount to pay is shown to the customer before payment; check the terms and fees in your workspace before you start.
How do refunds work?
Refund in the same asset and on the same network, to an address the customer confirms. Keep the reference of the original payment.
Does Mozambique have a registration regime for virtual asset service providers?
Yes. On 14 September 2023 the Banco de Moçambique published Notice No. 4/GBM/2023, which sets minimum requirements for registering virtual asset service providers with the central bank. It describes a registration process for service providers. It is not a general statement about businesses accepting stablecoin payments, so check with the central bank or a local adviser how it applies to your situation.