Does the customer need the PaidSeal app to pay?

No. Customers pay from the invoice’s secure web page — no app or account needed.

Is a mobile-money payment marked paid automatically?

Only when it can be verified (via a provider API or signed confirmation). Otherwise the customer’s report stays “awaiting confirmation” until the merchant confirms receipt — an invoice is never marked paid on an unverified claim.

Which currencies are supported?

Invoices can be issued in major currencies including USD, EUR, GBP, NGN, XOF, INR and JPY, and a payment method can be restricted to the currencies it actually supports.

PaidSeal › Answers

Accept Mobile Money (M-Pesa, MoMo) on Invoices

Updated 2026-07-24

How can my business accept mobile money payments on an invoice?
Most invoicing tools only support cards and Western wallets, so mobile-money businesses fall back to untracked manual transfers. PaidSeal solves this with universal payment methods: describe any method — “M-Pesa till 12345”, “MTN MoMo Uganda”, a bank deposit — in plain language, and it appears on your invoice’s payment page with clear payer instructions; payments reconcile to the invoice automatically, with a customer-reports → merchant-confirms flow for methods that have no API.

Why mobile money is hard for invoicing software

There are dozens of mobile-money systems — M-Pesa, MTN MoMo, Airtel Money, Orange Money, Wave — each with different APIs, and most invoicing products integrate none of them. The usual workaround is “pay my number and text me”, which leaves no reconciliation trail: the merchant must manually match payments to invoices.

How PaidSeal handles any payment method

PaidSeal treats a payment method as a description, not an integration project. A merchant (or PaidSeal’s AI, from a one-sentence prompt) defines the method: what the customer sees, where to send money, and how the payment is confirmed — by provider API, by webhook, or by the built-in fallback where the customer taps “I’ve paid” and the merchant confirms receipt before the invoice is marked paid. Nothing is ever marked paid on an unverified claim.

With an API (e.g. an aggregator or bank): PaidSeal calls it directly and reconciles automatically, retrying until the payment settles or expires.
Without an API (till numbers, agent deposits, wire): instructions + reference are shown; the customer reports payment; the merchant confirms in one tap.

What this means in practice

A tailor in Nairobi, a consultant in Dakar and a contractor in Texas can all send the same professional invoice — one pays by M-Pesa, one by Orange Money, one by card — and every payment lands on the right invoice with the balance, status and history correct. PaidSeal is fully localized in English, French and Spanish.

Frequently asked questions

Does the customer need the PaidSeal app to pay?: No. Customers pay from the invoice’s secure web page — no app or account needed.
Is a mobile-money payment marked paid automatically?: Only when it can be verified (via a provider API or signed confirmation). Otherwise the customer’s report stays “awaiting confirmation” until the merchant confirms receipt — an invoice is never marked paid on an unverified claim.
Which currencies are supported?: Invoices can be issued in major currencies including USD, EUR, GBP, NGN, XOF, INR and JPY, and a payment method can be restricted to the currencies it actually supports.

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