Mifos Pay vs HeritagePay

Mifos Pay is a simple, secure way to send, request, and track money. Create a wallet account, add a card, share a QR to get paid, set standing instructions for recurring transfers, and manage invoices—all from one clean, modern app. WHAT YOU CAN DO • Sign up as a customer or merchant and complete a guided registration • Create a wallet savings account (subject to approval) and see your balance at a glance • Send money using a Virtual Payment Address (VPA), mobile number, or account number • Request money with your personal QR code; optionally set the amount and currency before sharing • Add and manage cards; view masked details and remove or edit when needed • Track everything in Payments: filter History by debits or credits, view statements, and see real-time notifications • Set SI (Standing Instructions) for automatic transfers on a fixed schedule (weeks, months, years) • Create and review invoices; see invoice status, items, and transaction IDs • Keep profile details up to date—name, address, phone, VPA—and link a bank account • Upload documents for KYC or support directly in the app • Get help fast with built-in FAQs

Heritage Pay is the first digital wallet in Belize, backed by Heritage Bank Limited. It connects you to OpenPay's growing network of local merchants and lets you pay, send, and manage your money from one secure app. Whether you're paying at the counter, splitting a bill, or sending money across town, Heritage Pay makes everyday payments simple and secure. WHAT YOU CAN DO • Scan & Pay — Scan a participating merchant's QR code, confirm the amount, and pay in a single tap. • Card Vault — Securely store multiple credit and debit cards. Each card is verified with a small micro-charge, and your card numbers are tokenized. The app never keeps your raw card details on your device. • Send Money — Transfer funds to bank accounts by institution and account number. Save recipients as favourites for one-tap re-use. • Request Money — Ask someone to send you a payment. • Transaction History — Review every payment and transfer, with receipts available in the app and by email as a PDF. • Biometric Security — Use Face ID or your fingerprint to open the app and authorize payments. • Payment Notifications — Get instant push notifications confirming your payments and receipts. GETTING STARTED Register in minutes with your phone number and a one-time verification code (OTP). No paperwork, no branch visit. SECURITY YOU CAN TRUST Heritage Pay is built by OpenPay and backed by Heritage Bank Limited. Your data is protected with industry-standard encryption in transit, biometric authentication, and card tokenization. Download Heritage Pay and carry Belize's digital wallet with you. Questions? Reach us at support@openpay.bz or visit https://openpay.bz/support.