Connectivity can be unavailable
Traditional payment flows often need a live connection at every point in the journey.
Built for collection and settlement certainty
Payments that keep moving.
MoLink helps people and businesses collect and verify payments with confidence when data connectivity is unavailable. Create a signed QR payment, keep a clear record, and complete settlement automatically when telecoms connectivity returns.
✓ No POS hardware
✓ Naira-first
✓ Made for mobile
Payment verifiedReady to sync
Collection readyVerified payment record
9:41● ◒ ▰
MoLink
Collection ready
Available balance
₦24,500.00
Show to recipient
Secure payment voucher
One simple payment flow
Payer→Signed QR→Recipient→Final settlement
Collection should not wait
Collect with confidence.
Collect with confidence.
Settle with certainty.
Payment collection does not stop simply because data or telecoms coverage is temporarily unavailable. MoLink keeps a verified payment record in motion until final settlement can be completed.
Collection needs certainty
A collected payment needs a clear, verifiable record—not uncertainty for either side.
MoLink preserves the payment path
The payment is prepared and verified now, then carried through to final settlement when connectivity returns.
How it works
Three steps. Built for collection and finality.
A clear payment flow for collection, local verification and final settlement.
Reserve funds for collection
While connected, choose how much you want available for payments. Those funds are reserved for the collection flow.
Sign and scan
Enter the amount and approve it on your phone. The recipient scans the secure QR and verifies it locally.
Complete final settlement
Verified payment records sync when data or telecoms coverage is available, then move through settlement.
Designed for real life
Less friction.
Less friction.
More certainty.
MoLink brings the clarity people expect from mobile payments to every collection and settlement moment.
Explore the web app ↗Built for payment collection
Prepare, sign and verify a payment without requiring immediate connectivity.
No extra hardware
A compatible smartphone becomes the payment and acceptance device.
Made for Naira
A clear, familiar Naira-first experience for everyday payments.
Built with safeguards
Device signatures, reserved balances and replay checks protect the payment flow.
For every way money moves
Easy to pay. Easy to accept.
For everyone
Pay anyone with a clear payment record.
- Pay people or businesses
- See amounts in Naira
- Keep a clear transaction history
For businesses
Collect payments with certainty.
- Accept payments by camera
- Queue verified vouchers
- Sync and reconcile later
The bigger vision
A collection and settlement rail for the payments ecosystem.
MoLink supports payments between people and businesses. The long-term opportunity is an API-ready reliability layer that payment providers can integrate without replacing the systems people already use.
01 Make everyday payments more dependable
02 Support people and businesses everywhere
03 Offer verifiable settlement infrastructure
Get launch updates
Be first to make payments move.
Join the MoLink waitlist for early access, product updates and native app launch news.
✓ Early access
✓ iOS & Android updates
✓ Built for every payment
Coming soon
MoLink in your pocket.
Native apps for iPhone and Android are on the way. For now, explore the live web experience.
Frequently asked
The short answers.
Still curious? Explore the working web experience and see MoLink in action.
Can MoLink collect a payment without data?+
MoLink is designed for payment preparation and local QR verification when data connectivity is unavailable. Final settlement completes when trusted connectivity returns.
Do businesses need a POS terminal?+
No additional POS device is required for the core flow. A compatible phone can scan and locally verify MoLink payment vouchers.
How does a payment stay protected when connectivity is unavailable?+
MoLink’s design combines digitally signed vouchers, reserved payment funds and replay checks. The server verifies each voucher again during reconciliation.
Are the mobile apps available now?+
The iOS and Android apps are coming soon. The web app is available now for product exploration and early access.