Prepaid utilities. One balance.
Every utility.
Top up once with PayShap or EFT — and let Mosaic Wallet debit your water, electricity and gas automatically at metered rates. No bills. No surprises. Just a balance you control.
Everything your prepaid utilities need, in one place.
From a live wallet balance to bank-grade security — Mosaic Wallet replaces multiple prepaid vouchers and bill payments with one secure, transparent account.
Live balance
See your current wallet balance, in Rands, at the top of every screen — updated as consumption is metered.
Daily consumption
Five-day charts split electricity, water and fixed daily costs — so you know exactly what you spent and where.
PayShap top-ups
Fund your wallet via PayShap from any major South African bank — reflecting in as little as 15 minutes.
WhatsApp OTP
Reset your password securely through a One-Time PIN delivered to the cellphone registered on your wallet.
Bank-grade security
Your wallet is protected by the same security standards used by major banks — so every login and top-up is safe.
Inactivity protection
Sessions expire automatically and every successful login is logged with the previous login time shown on screen.
Three simple steps. One smart wallet.
Mosaic Wallet meters your consumption every 5 minutes and debits your balance daily — so you always pay exactly what you used.
Top up
Send a PayShap or EFT payment to your wallet using your 9-digit Wallet Number as the reference. Funds reflect on your live balance.
Consume
Use water, electricity and gas as normal. Smart meters at the property record consumption every 5 minutes at your tariff rate.
Track
Sign in to the wallet portal and see your balance, daily costs, deposits, credits and sundry charges — all in one place.
Use less. Pay less.
Practical, South-African-specific tips for cutting your daily wallet draw — especially important on tiered tariffs where the last few units of the month cost the most.
Electricity
- Set your geyser to 55-60 °C and fit a geyser blanket.
- Switch off standby devices at the wall.
- Use LED globes and eco wash cycles.
- Boil only the water you need.
- Avoid pushing into the highest tariff tier near month-end.
Water
- Take shorter showers; avoid filling the bath.
- Fix dripping taps and running toilets immediately.
- Use a broom instead of a hose to clean paving.
- Water plants in the early morning or evening.
- Run washing machines only on full loads.
Daily habits
- Check your wallet daily — spot leaks early.
- Top up via PayShap to avoid 48-hour EFT delays.
- Avoid cash deposits — they carry a 10% service fee.
- Review fixed daily costs vs variable consumption.
- Keep your contact details current for OTP delivery.
Integrated utilities recovery, end-to-end.
Unrecovered utilities are the single biggest source of silent loss in a residential rental portfolio. Estimates, missed reads, stale tariffs and slow tenant collections compound into thousands of rands of leakage every month — money that should sit in the owner's account. Mosaic is engineered around one outcome: recover every cent of every utility, every month, automatically. We own the entire chain in-house, from the meter on the wall to the cash in the trust account.
Smart metering hardware
LoRa, NB-IoT and Sigfox electricity, water and gas meters — including remote-valve-controlled units for leak isolation and prepaid behaviour.
Automated readings
Daily IoT telemetry into our device platform — no estimated reads, no missed months, no clipboard rounds.
Tariff & VAT engine
Municipal tariff structures, stepped blocks, fixed charges and VAT applied automatically per unit — so every bill is defensible to the last cent.
On-billing & recovery
Utility consumption flows straight onto each tenant's monthly statement, reconciled to the bank and visible in the owner portal — with arrears tracked, escalated and collected as a first-class line item, not an afterthought.
Mosaic Wallet for utilities
Tenants pay water, electricity and gas through a dedicated wallet with a single payment reference, instant receipts and pay-as-you-use top-ups. The wallet is built for one job: getting utility cash back to the owner, fast.
Leak & abuse alerts
The platform flags abnormal consumption and remotely closes valves on compromised or non-paying meters before it becomes an owner problem.
Why this matters
Utility recovery is the line item that quietly decides whether a rental portfolio is profitable or not. Mosaic eliminates the cash-flow shock of bulk municipal bills, the dispute risk of estimated reads, and the prescription risk on old utility debt — turning a chronic leak into a fully reconciled monthly receipt.
Two ways to fund. One reference.
Always use your 9-digit Wallet Number as the payment reference so we can match the deposit to your wallet automatically.
PayShap (recommended)
Send a PayShap payment from any participating South African bank to the Mosaic Home Services ShapID.
Reference: your 9-digit Wallet Number. Reflects in as little as 15 minutes.
Electronic Funds Transfer
EFT to the Mosaic Home Services trust account.
Reference: your 9-digit Wallet Number. Allow up to 48 hours to reflect.
Full banking details are displayed inside your wallet once you sign in — tied to your unique Wallet Number for secure, automatic matching.
Protected by bank-grade controls.
Mosaic Wallet is operated by Mosaic Home Services — an authorised Third-Party Payment Provider under the National Payment System Act and a registered Property Practitioner with PPRA F151545.
Effortless utility management, powered by IoT.
The questions schemes and owners ask us most often — answered from the engineering side of the platform.
How does Mosaic Wallet automate utility billing?
IoT smart meters — LoRa, NB-IoT and Sigfox — transmit daily electricity, water and gas reads into the Mosaic device platform. A built-in tariff and VAT engine applies live municipal rates and debits each household's wallet automatically. No estimated reads, no manual capture, no clipboard rounds.
Which utilities can Mosaic Wallet manage?
Electricity, water and gas — through smart meters with optional remote-valve control for leak isolation, abuse alerts and prepaid behaviour on compromised or non-paying meters.
How do residents top up their wallet?
Top up via PayShap (reflects in roughly 15 minutes) or Electronic Funds Transfer (up to 48 hours), using the 9-digit Wallet Number as the payment reference. The platform matches every deposit to the correct wallet automatically.
What technology protects Mosaic Wallet?
Bank-grade controls, WhatsApp OTP two-factor authentication, Google reCAPTCHA Enterprise bot protection and POPIA-compliant data handling. Mosaic Home Services operates under the National Payment System Act as an authorised Third-Party Payment Provider.
Does Mosaic Wallet integrate with property management?
Yes. Consumption flows end-to-end from the meter into tenant statements and owner reporting inside the Mosaic Rental Services and Mosaic Community Services portals — with arrears tracked, escalated and recovered as a first-class line item.
Request a Mosaic Wallet proposal
Tell us about your scheme. We'll come back to you within one business day with a tailored proposal — no obligation, no pressure.
Need a hand? We're listening.
The Mosaic Wallet support team is ready to help with top-ups, password resets, meter queries and onboarding.
Weltevredenpark, 1709