Sub-wallet infrastructure
A wallet for every customer, branch or seller, each with its own balance and history. Move money between them instantly.
Main wallet2,564,445
Ntinda branch134,537
Kisenyi stall350,777
Online store496,492
Financial Infrastructure
for Businesses in Uganda
Give every customer, branch or seller their own wallet. Get paid through hosted checkout, invoices and payment links. All on MTN and Airtel mobile money, from one dashboard and one API.
Built on MTN Mobile Money and Airtel Money, the two networks almost everyone in Uganda pays with
MTN MoMoAirtel MoneyUnlimited sub-walletsHosted checkoutPDF invoices & receiptsSigned webhooks
You're building a business.
Why are you still building financial infrastructure?
Balances for each of your customers, a checkout that works on any phone, invoices that chase themselves, receipts, reconciliation and a ledger you can trust. None of it should slow you down. Morzepay runs all of it for you, so you can ship in days, not months.
One Platform to Hold, Collect
and Move Money
The building blocks a business needs to run its money on mobile money, designed to work together and to work for platforms that serve many customers.
Hosted checkout
Send customers to a fast, clean checkout page. They pay with MTN or Airtel and come straight back to your site.
Order #77812UGX 21,000
+256 772 418 905 MTN
Pay UGX 21,000
Invoicing
Create an invoice in seconds. It's emailed with the PDF attached and a pay link inside, then marks itself paid and sends a receipt.
PDF
NILE-0004 · Kampala Coffee HouseUGX 318,600 · emailed with pay link
PaidPDF
NILE-0005 · Kisenyi HardwareUGX 453,120 · due 12 Nov
OpenPayment links
Make a link once and share it anywhere: WhatsApp, Instagram, a QR code on the counter. Fixed price or let the customer choose.
morzepay.com/c/f14e…Copy link
Rolex & juice combo · 4 paymentsUGX 42,000
School fees, Term 3 · 3 paymentsUGX 455,000
Developers
Don't build financial
infrastructure, call an API.
Wallets, checkout, invoices, collections, payouts and transfers in clean JSON over HTTPS, with idempotency keys, clear error codes and signed webhooks you can test with one click. Keys can be locked to a wallet and to your server's IP.
Read the API reference# Give a new customer their own wallet curl https://morzepay.com/v1/wallets \ -H "Authorization: Bearer mp_test_…" \ -d '{"parent_wallet_id": "wal_8fK2mQx7…", "name": "Ntinda branch", "external_ref": "shop-0192"}' → 201 { "id": "wal_Zq4Hn8…", "balance": "0.00" } # Bill their customer. Payment lands in that wallet. curl https://morzepay.com/v1/invoices \ -d '{"wallet_id": "wal_Zq4Hn8…", "customer": {"name": "Kampala Coffee House"}, "items": [{"description": "Machine service", "quantity": 1, "unit_amount": 270000}], "send": true}' → 201 { "status": "open", "hosted_invoice_url": "…/i/3f31…" }
REST API
Wallets, checkout sessions, invoices, receipts, collections, payouts and transfers. Plain JSON, works from any language.
PHPNode.jsPythonGoJavacURL
Explore endpoints →Webhooks
Every outcome pushed to your server, signed with HMAC-SHA256 and retried for 24 hours.
invoice.paid 200 OKcheckout.session.completed 200 OKdeposit.succeeded 200 OK
Webhook guide →Sandbox
Separate test keys, wallets and data. Magic numbers cover approvals, declines and slow networks.
mp_test_…mp_live_…
Sandbox guide →Run Your Money Without the Complexity
Mobile money in Uganda, handled end to end: confirmation with the network, balances, receipts and reconciliation.
2Networks: MTN & Airtel
UnlimitedSub-wallets per business
InstantTransfers between wallets
HourlyLedger & balance checks
Verified businesses onlyDocuments, verified phone numbers and a live video check before anyone touches real money.
The Complete Financial Stack
From holding money for your customers to getting paid by theirs, every piece works together without extra engineering.
Sub-wallets
A balance for every customer
Create a sub-wallet per shop, member, seller or rider. Payments land in the right wallet, money moves between wallets instantly, and each one keeps a clean history.
Learn about wallets →
Checkout
A checkout that works on any phone
Create a checkout session from your app and redirect. Customers see their order, pay with MTN or Airtel, and return to your success page with a receipt in their inbox.
Learn about checkout →
Invoicing
Invoices that get paid
Numbered invoices with tax, a PDF and a hosted pay page. Send by email or SMS, track who's paid and what's overdue, and issue receipts automatically.
Learn about invoicing →
Payment links
Get paid without a website
One link, any number of payments. Share it on WhatsApp or print it as a QR code. Set a fixed price or let customers enter the amount for school fees, donations and top-ups.
Learn about payment links →
Built for Businesses That Move Money for Others
POS & ERP systemsA wallet per shop or branch, with checkout at the counter and daily payouts.
MarketplacesCollect once, hold for each seller in their own wallet, settle on your schedule.
Agencies & suppliersInvoice clients, get paid by mobile money and send receipts automatically.
Savings groups & SACCOsMember balances with a clean, auditable history.
Schools & billsA payment link per term or bill, reconciled automatically.
Online shops & social sellersHosted checkout for your site, payment links for WhatsApp and Instagram.
Questions, Answered
Is Morzepay a payment gateway?
It's the layer underneath your business's money. Alongside accepting mobile money, Morzepay gives you wallets for each of your customers, hosted checkout, invoicing, payment links, receipts and payouts, all on one ledger.
Which networks do you support?
MTN Mobile Money and Airtel Money in Uganda, for payments from UGX 500 to UGX 5,000,000 per transaction.
Do I need a developer?
No. Invoices, payment links and sub-wallets can all be created from the dashboard. If you have a developer, everything is also available through the API.
How fast can I start?
Straight away in the sandbox: sign up, create a test key, make your first test payment. Live access follows verification, usually within one to two business days.
What do I need to go live?
Individuals provide a National ID and a LinkedIn profile. Sole proprietors add business registration documents. Companies add a certificate of incorporation, memorandum and articles, a TIN and each director's ID. Every person verifies their phone and completes a short live video check.
How is my money kept safe?
Two-factor authentication, a tamper-evident ledger checked every hour, funds reserved before every payout, and encrypted storage for identity documents.
Start building today
Free sandbox. No card. No paperwork until you're ready to go live.