Trust & compliance
This page is for regulators, mobile network operators and partners who want to understand how money and data move through MlimiPay and MlimiPrepay.
On MlimiPrepay, customer payments go straight to the partner's own Airtel Money or TNM Mpamba merchant wallet. Partners without a merchant wallet can use the MlimiPay gateway wallet. Those payments are swept automatically and immediately to the partner's bank account. They pass through for a moment only, and we do not keep balances for partners.
Neither product lends money. Customers prepay for inputs that already exist, and a prepayment is not a bank deposit or an investment product. It earns no interest.
Each MlimiPrepay partner's data is kept separate. A partner sees only its own customers, transactions and reports. Partners own their customer relationships and data. MlimiPay does not use partner customer data for MlimiPay sales.
We collect only what each service needs, protect it with access controls and encryption in transit, and handle it in line with Malawi's Data Protection Act. This public website stores only enquiry data. It never shows balances, account numbers or payment data.
| Responsibility | MlimiPay | MlimiPrepay partner |
|---|---|---|
| Selling inputs and setting prices | MlimiPay Limited | The partner |
| Receiving customer payments | MlimiPay Limited | The partner (own wallet or swept to bank) |
| Fulfilment and refunds | MlimiPay Limited | The partner |
| Customer data controller | MlimiPay Limited | The partner |
| Operating the platform | MlimiPay Limited | MlimiPay Limited |
Payments run over Airtel Money and TNM Mpamba under their merchant terms.
We will answer in writing.