All your money. One app.
Link your wallets. Move money your way. Built for Eswatini.
Join early adopters across Eswatini · Free to start
Your money ID
you@mpay
Friends, salary, customers - one ID.
Smart receive rules
Adapts to your real life
Whether you're splitting a bill, sending an allowance, or paying at the market, your money moves instantly.
E1,240
WalletsSplit the bill
4 friends · E45 each · settled
E3,820
All linkedSend allowance
E200 to Sihle · spending limits set
E680
MoMoScan & pay
Matsapha market · QR · receipt saved
The app Eswatini's
been waiting for
MTN MoMo, eMali, FNB eWallet, Unayo, Nedbank — linked through Eswatini's payment infrastructure. One you@mpay for everything you receive.
Pay from
Choose source
Smart receive rules
MoMo
eMali
FNB
Unayo
NedbankSend. Request. Pay.
Without the runaround.
Send & request
Send to a phone number or `you@mpay`. Request what you are owed and see when it is paid.
Friday lunch split
3/4 paidPay from any linked wallet
MTN MoMo, eMali, FNB eWallet, Unayo, Nedbank Send Money — see balances and move money without leaving MaphaPay.
Pay from
Choose source
Scan & pay
Pay local merchants with a QR code. The merchant sees confirmation and you keep the receipt in MaphaPay.
Scan to pay
Merchant QR confirmed
Paying
market@mpay
Choose your source
Pick which linked wallet or bank account pays. Set receive rules so money lands in the right place.
Smart receive rules
Split anything.
Settle instantly
Group chats and payments live together. See who paid and settle up without chasing anyone.
Friday lunch split
3/4 paidLunch at the kota spot — E45 each
Paid my share
E45 sent
2 of 4 paid — Thabo and Lihle still need to settle up
Raise money-
smart kids
Give young people their own wallet while guardians set limits, approve activity, and reward chores.
Sipho's wallet
E125.00
Guardian controls
From pocket money
to pocket savings
Rent pocket
E2,040 saved toward E3,000
MCard controls
Freeze, reveal, alerts, and limits.
Scan to pay
Merchant QR confirmed
Paying
market@mpay
Your money is guarded
Bank-grade security you control — freeze cards, verify transactions, and lock your app on your terms.
Security you control
PIN, step-up checks, app lock, and card freeze.
PIN & step-up verification
Extra checks when it matters
Card details protected
Sensitive card data never lives in the app
You stay in control
Freeze, review, and verify on your terms
Hear from
Eswatini
“I linked my wallets in one place and stopped switching apps every time I need to send money.”
Thabo
Mbabane