The wallet hits zero.
The payment still goes through.
M-On-Demand is mobile-money overdraft — the cousin of our airtime-credit product, built for value-laden transactions. When a subscriber initiates a mobile-money payment their wallet can't fund, the platform scores them in real time, advances the shortfall, and recovers from their next inflow. Transactions that used to fail now complete.
One decision pipeline. One recovery loop. One reconciliation envelope. We operate every layer on the partner's behalf.
A new revenue line
that did not exist before us.
M-OD is one of the few products that simultaneously increases ARPU, completes more customer transactions, and brings prepaid customers a service they thank the operator for.
Bridges the zero-balance moment that would otherwise have lost a transaction. Value the operator was leaving on the table.
Customers who experience M-OD 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.