When the balance hits zero,
we keep the network talking.
Tiny top-ups. Vast impact. Our airtime and data credit service lets a subscriber receive just enough airtime or mobile data to keep them connected when their balance runs out, then settles automatically against their next recharge — all on the operator's existing voucher and billing rails.
Airtime and data on credit, billed natively over the carrier. Eligibility, limit assignment, recovery, reconciliation — operated end-to-end.
A revenue line that
did not exist before us.
Airtime credit is one of the few products that simultaneously lifts ARPU, reduces churn, and brings prepaid customers a service they actually thank the operator for.
Bridges the gap between a subscriber's zero-balance moment and their next recharge — value that would otherwise have been lost.
Subscribers who experience the service during a balance crisis stay longer and recharge more often. The product is sticky in the way that matters commercially.
MovaPay's funding partner takes the credit risk. The operator contributes rails and brand — nothing more.
The whole stack —
not just an algorithm.
A scoring model is the easy part. The harder parts are the things that keep finance and engineering teams up at night. We've built every one of them.
Real-time eligibility & limit assignment
Per-subscriber, per-event scoring. Limits move with behaviour. Decisions in milliseconds.
Multi-channel offer delivery
USSD, SMS, app, IVR — native to the operator's subscriber experience.
Recovery & retry logic
Disciplined recovery against the carrier's billing engine and voucher rails. Retries that respect customer experience.
Reconciliation & settlement
Daily three-way reconciliation between MovaPay, operator and funding partner. Disputes handled by humans, not tickets.
Fraud & abuse controls
Velocity limits, device fingerprinting, MNO-side cohort modelling. Fraud rates measured in basis points.
MIS for the commercial team
Live dashboards the operator's product team actually uses to plan promotions and watch cohorts.
Tell us your subscriber base.
We'll come back with a sized opportunity.
Send us your subscriber count and recharge cadence. Within a week we'll send back a tailored business case and integration plan.