MOA Pay is the official digital wallet and loyalty platform for Mall of America — connecting shoppers, stores, and corporate clients in one seamless ecosystem.
For Shoppers
Your smart wallet at MOA
Buy & manage mall-wide and store-specific gift cards in one wallet
Pay instantly at any store by showing a QR code from your phone
Tap-to-pay with MOA wearables — bracelet, ring, keychain, or watch
Send gift cards to friends and family for any occasion
Earn cashback on every purchase, redeemable across the mall
Get personalized deals: birthday, anniversary, geo & flash promos
For Groups & HR
Bulk gifting made easy
Purchase and distribute gift cards in bulk for employee rewards
Manage a family or team wallet with shared access controls
Customizable card amounts and personalized messages
Corporate cashback programs and volume incentives
Automated notifications for special milestones and events
Secure, auditable transaction history for expense reporting
For Stores
Seamless POS integration
Accept payments via QR code — no hardware needed
NFC tap payments supported on all MOA Pay wearables
Real-time dashboard for transaction tracking and analytics
Participate in cross-store promotions and cashback campaigns
Issue and redeem store-specific gift cards effortlessly
Push geo-targeted offers to customers near your store
For MOA
Unified mall ecosystem
Central platform connecting all stores, shoppers & services
Increase dwell time and spend with loyalty rewards
Smart engagement engine: push, geo, email, in-app, WhatsApp
Deep visitor insights — behavior, preferences, spend patterns
Mall-wide gift card program drives cross-store traffic
Enterprise-grade security and compliance built-in
One Wallet. Endless Possibilities.
Mall of America® — the world's premier shopping destination.