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      benefits of MoPay

      benefits of MoPay

      Shop with MoPay and purchase your preferred brands from your favourite stores while spreading the cost! You can buy now and repay in 5 equal instalments without any extra charges or hidden costs. MoPay is your smart way to enjoy shopping while managing your budget.
      Favorite
      Brands
      Zero
      Interest
      Quick
      Onboarding
      Immediate
      Purchasing Power
      • Favorite
        Brands
      • Zero
        Interest
      • Quick
        Onboarding
      • Immediate
        Purchasing Power

            1st dan Moris

            our partners

            how it
            works?

            4 easy steps to financial freedom

            easy
            sign-up

            Apply on the app, get instant approval, and know your spending limit.

            fast
            approval

            Apply on the app, get instant approval, and know your spending limit.

            hassle-free
            shopping

            Apply on the app, get instant approval, and know your spending limit.

            swift & secure
            checkout

            Apply on the app, get instant approval, and know your spending limit.
            Easy
            sign-up
            Apply on the app, get instant approval, and know your spending limit.
            Fast
            approval
            Apply on the app, get instant approval, and know your spending limit.
            Hassle-free
            shopping
            Apply on the app, get instant approval, and know your spending limit.

            • Step 1

              Easy sign-up
              Download MoFinans app and join
              the MoPay family in minutes.

            • Step 2

              Fast approval
              Apply in a few taps; know your
              spending limit right away.

            • Step 3

              Shopping
              Use MoPay at our partner stores
              and e-commerce websites for a
              smooth, worry-free shopping experience.

            • Step 4

              Swift & secure checkout
              Use the QR code generated
              at the merchant to finalise
              your checkout

              • Step 1

                Easy sign-up
                Download MoFinans app and join
                the MoPay family in minutes.

              • Step 2

                Fast approval
                Apply in a few taps; know your
                spending limit right away.

              • Step 3

                Shopping
                Use MoPay at our partner stores
                and e-commerce websites for a
                smooth, worry-free shopping experience.

              • Step 4

                Swift & secure checkout
                Use the QR code generated
                at the merchant to finalise
                your checkout
                How to use MoPay on MoFinans App
                Have you ever thought that an app could provide real support? Offering flexibility and giving you a snapshot of your financial situation? MoFinans brings to you the best of credit management, where you can get an overview of your credit agreements and facilities, wherever you are.
                Keep it Safe and Swift with Enhanced Security

                Your safety is our top priority. MoPay uses innovative technology to secure every transaction, ensuring your peace of mind.

                explore more with MoFinans app
                get the app
                explore
                more with MoFinans app
                get the app

                frequently asked
                question

                What is my purchase limit?

                Your purchase limit will be set based on your profile at registration. This purchase limit is tailored for each shopper and may be amended over time.

                When you choose the MoPay financing option, you will be asked to provide or confirm some details (KYC) about your financial situation. We use this information to assess whether we believe you are able to meet your repayment obligations. The purchase limit will depend on this assessment and may vary for each shopper. It may also increase over time.

                Minimum purchase limit is Rs500 and maximum purchase limit is Rs50,000. Credit lines may be increased over time based on usage.

                Are there associated fees when signing up to MoPay?

                There is an annual subscription fee of Rs 300 which has been waived off exceptionally for 2024.

                How long will the approval process take?

                It can be within minutes, or it can take up to 2 working days to issue your full eligible limit.

                Will my limit be re-updated after every payment made?
                We understand how important it is for you to manage your finances wisely and avoid the stress of over-indebtedness. This is why we have put in place a limit restoration policy. This means we will only restore your credit limit once you have fully repaid an agreement. It is our way of ensuring you are always in a comfortable financial position, offering you peace of mind as you manage your commitments.
                Can I foreclose an agreement?
                You have the flexibility to foreclose an agreement at any time without incurring charges.
                How can I start shopping?

                In-store

                1. Scan the QR Code at the merchant
                2. Enter the transaction amount
                3. Verify the breakdown and continue to proceed
                Where can I shop?

                You can check our merchant list on our MoFinans app or on our website https://mopay.cimfinance.mu/

                Can I purchase multiple items from one or several shops?
                Yes. It will also depend on your purchase limit.
                How do I repay?
                To emphasize that Repayments can be done only via Mofinans through IPS. This product does not support other repayments such as at counter or internet banking.
                How will I know when to pay?
                Your repayment schedule will be available on your MoFinans app. You will also receive notifications closer to the payment date.
                When is my first payment is due?

                Your first payment will be charged either within the current month or the following month, depending on when you make your purchase.

                Transactions from the 1st to the 23rd of a month will have their first installment due at the end of the same month, while those from the 24th of a month will have their first installment due the end of the next month Transactions from the 1st to the 23rd of a month will have their first installment due at the end of the same month, while those from the 24th of a month will have their first installment due the end of the next month.

                For instance:

                • If you make a purchase using your MoPay purchase line on 23rd June 2024, your first payment will be due on 30th June 2024, and subsequent payments will be on the last day of each month from June to October 2024.
                • If you make a purchase using your MoPay purchase line on 23rd June 2024, your first payment will be due on 30th June 2024, and subsequent payments will be on the last day of each month from June to October 2024.If you make a purchase on the 24th of June 2024, your first payment will be due on 31st July 2024. If you make a purchase on the 24th of June 2024, your first payment will be due on 31st July 2024.
                What happens if I miss an instalment?

                In addition to the instalment amount, a late payment fee of Rs50 per instalment missed and per agreement will be applied. Should you miss a payment due date, your line of credit will be temporarily frozen. To unfreeze it, you will need to pay the missed instalment along with a late fee of Rs 50.

                Please note that missing one or more payments may lead to the revocation of your credit limit.

                How do I cancel my line of credit?

                Go to settings on MoFinans, go to your MoPay Card and click on Cancel MoPay Credit Line.

                Please note that a line of credit cannot be cancelled where there are outstanding balances.

                I have a dispute regarding the goods purchased. How do I proceed?

                We invite you to visit the merchant where the goods were bought to proceed with your grievances.

                What happens if I have a dispute and I have already paid for an agreement?

                If you have already paid for an agreement and have a dispute leading to a return or cancellation, any payments made for the transaction will be refunded. For partial returns, the payment can be directly adjusted towards your adjusted transaction.

                Where can I get customer service?

                You can reach our customer service team by calling on 203 6816 or by email at This email address is being protected from spambots. You need JavaScript enabled to view it..

                Is MoPay safe and secure?

                Our number one priority is the protection of your data.

                MoPay has strict controls in place to ensure that what you share with us stays with us:

                • Secure Networks and Systems Data Protection
                • Strong Access Control
                • Regular Monitoring and Testing