Leave the frustration and added costs of dealing with cash or international cards behind. Instead, tap into Peru's QR payment networks — Yape and Plin — with Moreta Pay. Moreta Pay is an easy-to-use platform built for travelers, digital nomads and expats, offering a secure, simple and cost-effective way to pay for goods and services just like locals.
Why QR Code Is the Best Way to Pay in Peru
Moreta Pay is a mobile payment platform that allows travelers to tap into local payment networks in Peru and across Latin America, all without needing a Peruvian bank account or DNI. After downloading the Moreta app, set up your account and verify your identity with a selfie and your passport. Then connect your preferred payment method. With Moreta Pay, you can fund your account in numerous ways, adding your local currency for simplicity and familiarity. Make deposits with a bank connection, bank transfer or card. Fill your account before you leave, and you're all set to start paying for all the goods and services you need during your travels. If you run out and need to top up, you can do so quickly and easily through the Moreta Pay app. No more fumbling with cash, cards or outdated traveler's checks.
The Problem With Paying Abroad as a Tourist, Expat or Nomad
Whether you're trekking to Machu Picchu, surfing in Máncora or settling into Lima as a digital nomad, paying for everyday items in Peru can be expensive. International credit and debit cards come with foreign transaction fees and unfavorable exchange rates, and many smaller restaurants, market vendors and rural businesses don't accept cards at all. Pulling Soles from an ATM means surcharges from both the Peruvian bank and your home bank. Meanwhile, locals overwhelmingly pay via Yape or Plin — and as a traveler without a Peruvian bank account, those have historically been out of reach. Choosing a more secure option like QR code payments avoids all of those concerns.
How Moreta Pay Works
Moreta Pay is transforming the way nomads, tourists and expats pay for goods in Peru and beyond. It's an easy-to-use platform that allows you to scan Yape and Plin QR codes from merchants for hassle-free payments. Here's how it works.
Verify Your Identity
Your journey with Moreta Pay begins with creating an account and verifying your identity. All you have to do is take a photo of your passport and a selfie! Moreta uses those photos to verify your identity, creating yet another security shield against fraud.
Load Funds to Your Moreta Pay Wallet
Add funds quickly and securely with your preferred bank account. With Moreta, you can add funds to your account in numerous ways using secure payment methods. These include:
• USD via ACH
• GBP via UK Faster Payments
• EUR via SEPA
• Visa, Mastercard, AMEX or Discover cards
Need more cash during your trip? With Moreta Pay, you can top up using your already connected bank account or card.
Scan QR Codes at Local Shops & Restaurants
When you're out and about exploring everything Peru has to offer, Moreta makes paying for goods and services a breeze. All you have to do is scan a merchant's QR code. Yape and Plin are the two dominant ways Peruvians pay, accepted everywhere from sandwich stalls to taxis to artisan markets.
Get Seamless Payments on the Go
After scanning a Yape or Plin QR code, review the information and slide to complete the payment. It's as easy as that! Moreta offers fast, seamless and worry-free payments.
Coming Soon: More Countries Across Southeast Asia & Latin America
Want to extend your trip beyond Peru? Moreta Pay is now also live across Latin America in Brazil, Argentina and Bolivia, with Colombia coming soon. Use the same Moreta wallet balance wherever you travel.
Why Moreta Pay Is Better Than Alternatives
Moreta Pay is a mobile payment platform that allows travelers to tap into local payment networks in Peru and several other countries throughout Latin America, all without needing a local bank account. After downloading the Moreta app, set up your account and verify your identity with a selfie and your passport. Then, you can connect your preferred payment method. With Moreta Pay, you can fund your account in numerous ways, adding your local currency for simplicity and familiarity. Fill your account before you leave, and you're all set to start paying for everything you need during your travels.
No Local Bank Account Required
With Moreta Pay, there's no need to open a Peruvian bank account or register a DNI. While Yape and Plin are tied to Peruvian banks and require local documentation, Moreta Pay allows you to tap into them without it. Connect with your financial institution at home, add funds as needed, and pay like a local.
Seamless Integration With Peru's Yape & Plin
Yape (from BCP) and Plin (from BBVA, Interbank, Scotiabank and others) are by far Peru's most prevalent digital payment systems. Both are real-time QR payment systems that locals use everywhere — from restaurants and taxis to markets and small shops. Moreta Pay seamlessly integrates with both, allowing you to spend your money the same way locals do. That ensures widespread acceptance and simpler transactions.
Designed for International Travelers, Expats & Nomads
Moreta Pay is a solution built for international travelers. No matter how long your stay is, Moreta Pay ensures you can pay for anything without jumping through hurdles or paying a fortune. Sink yourself into the culture, including paying for goods just like the locals!
Several Accepted Payment Types
Fund your Moreta Pay account with many different payment options. Once you connect your bank account, you can add funds via secure methods. If adding USD, benefit from the low transaction costs and enhanced security of ACH. If your home currency is GBP, you can use UK Faster Payments for near-instant transfers. When funding with Euros, utilize SEPA for speed, simplicity and dependability. Moreta Pay also supports international Visa and Mastercard payments for even greater flexibility.
Lower Fees Compared to Cash or Card Alternatives
Moreta offers significantly lower fees than the alternatives. Most banks charge foreign transaction and ATM fees, and most financial institutions use unfavorable exchange rates. With Moreta, you pay much less. QR transactions in Peru carry a flat 1.5% fee — competitive, transparent, and far less than your home bank typically charges. Best of all, you always know what you're paying upfront.
Instant, Contactless QR Payments
Contactless payments are the way of the future! No more handing over physical cards or waiting on lengthy transaction times. With Moreta Pay, you can complete transactions quickly without interacting with cashiers, wait staff or merchants. No more confusion or pricing information getting lost in translation.
Real Exchange Rates
Tired of losing money on unfavorable exchange rates? That's no longer a worry with Moreta Pay. Moreta gives you accurate exchange rates, helping your money go as far as possible. Moreta converts your currency into Peruvian Soles in real-time, using the exchange rate at the time of the transaction. Make your money go farther than you thought possible with transparent, real-time exchange rates, and zero hidden fees.
Activate Your Moreta Pay Account Before Your Trip
Ready to set yourself up for a seamless payment experience in Peru? Moreta Pay is the ultimate payment solution for expats, tourists, digital nomads and more, allowing you to pay for goods and services using secure Yape and Plin QR codes. Visit Moreta Pay today to learn more, link your bank account and get started!
