International remittance
Not for profit charitable organisation
Real estate
Foreign exchange trading
Cryptocurrency
Betting/Gambling
Professional consultancy services
Utilities (water; gas; electricity)
Transportation
Marketing
Online content creation
Public service/Government entities
Financial and insurance services
Hospitality, tourism and entertainment
Health services
Food and retail
Payment service provider
Education
Construction
E-commerce, including SaaS
Manufacturing
Agriculture and farming

Fees

We pass all fees as they are charged by the Mobile Money Operator (MMO) to you. These depend on the specific MMO and their fees. On top of that, PawaPay charges a fee, exclusive of all applicable taxes, for both collections and disbursements. These are always the same across all markets and MMOs.

The MMO fees for gaming and betting are different. See gaming/betting fees.

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Liberia, Mali, South Sudan

Available on our Orchestration model. Contact sales for commercials.

Benin

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
MTN logo
MTN
See details
arrow pointing down in purple.

Collections

Tiered
2.2%
1.2% MMO + 1% PawaPay fee

Disbursements

1.5%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Moov logo
MOOV
See details
arrow pointing down in purple.

Collections

Tiered
2.2%
1.2% MMO + 1% PawaPay fee

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Burkina Faso

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
Moov logo
Moov
See details
arrow pointing down in purple.

Collections

Tiered
3%
2% MMO + 1% PawaPay

Disbursements

2%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Orange logo
Orange
See details
arrow pointing down in purple.

Collections

Tiered
3.3%
2.3% MMO + 1% PawaPay

Disbursements

N/A
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Cameroon

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Icon spark in purple.
Enterprise
MTN logo
MTN
See details
arrow pointing down in purple.

Collections

Tiered
1.75%
0.75% MMO + 1% PawaPay fee

Disbursements

1.3%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Orange logo
ORANGE
See details
arrow pointing down in purple.

Collections

Tiered
1.77%
0.77% MMO + 1% PawaPay fee

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Congo-Brazzaville

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
Airtel Money logo
Airtel
See details
arrow pointing down in purple.

Collections

Tiered
4%
3% MMO + 1% PawaPay

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
MTN logo
MTN
See details
arrow pointing down in purple.

Collections

Tiered
4%
3% MMO + 1% PawaPay fee

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

DRC

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
Airtel Money logo
AIRTEL
See details
arrow pointing down in purple.

Collections

Tiered
3.2%
2.2% MMO + 1% PawaPay fee

Disbursements

2.16%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Orange logo
ORANGE
See details
arrow pointing down in purple.

Collections

Tiered
3%
2% MMO + 1% PawaPay fee

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Vodacom logo
VODACOM
See details
arrow pointing down in purple.

Collections

Tiered
2.5%
1.5% MMO + 1% PawaPay fee

Disbursements

2%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Ethiopia

Icon information sign in red. Icon information sign in gray.
Cross-border settlements are currently unavailable for Ethiopia.
Icon spark in purple.
Enterprise
Safaricom M-Pesa logo
Safaricom MPesa
See details
arrow pointing down in purple.

Collections

Tiered
1.5%
0.5% MMO + 1% PawaPay fee

Disbursements

1.5%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Ethio Telecom logo
Ethio telecom
See details
arrow pointing down in purple.

Collections

Tiered
2.5%
1.5% MMO + 1% PawaPay

Disbursements

2.5%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Gabon

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
Airtel Money logo
Airtel
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% MMO + 1% PawaPay fee

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Moov logo
MOOV
See details
arrow pointing down in purple.

Collections

Tiered
2.2%
1.2% MMO + 1% PawaPay fee

Disbursements

1.6%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Ghana

Icon information sign in red. Icon information sign in gray.
To go live in Ghana, you will need to be a locally registered entity.
Icon spark in purple.
Enterprise
AirtelTigo logo
AT
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% MMO + 1% PawaPay fee

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
MTN logo
MTN
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% MMO + 1% PawaPay fee

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Telecel Cash logo
Telecel
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% MMO + 1% PawaPay fee

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Ivory Coast

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
MTN logo
MTN
See details
arrow pointing down in purple.

Collections

Tiered
1.8%
0.8% MMO + 1% PawaPay fee

Disbursements

1.3%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Orange logo
ORANGE
See details
arrow pointing down in purple.

Collections

Tiered
2.5%
1.5% MMO + 1% PawaPay fee

Disbursements

2%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Wave logo
Wave
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% MMO + 1% PawaPay

Disbursements

2%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Moov logo
Moov
See details
arrow pointing down in purple.

Collections

Tiered
1.8%
0.8% MMO + 1% PawaPay fee

Disbursements

1.5%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Kenya

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
M-Pesa logo
M-PESA
See details
arrow pointing down in purple.

Collections

Tiered
< 101 KSH < 501 KSH < 1,001 KSH < 1,501 KSH < 2,501 KSH < 3,501 KSH < 5,001 KSH < 7,501 KSH < 10,001 KSH < 15,001 KSH < 20,001 KSH < 25,001 KSH < 30,001 KSH < 35,001 KSH < 40,001 KSH < 45,001 KSH < 150,001 KSH
0 KSH + 1% 5 KSH + 1% 10 KSH + 1% 15 KSH + 1% 20 KSH + 1% 25 KSH + 1% 34 KSH + 1% 42 KSH + 1% 48 KSH + 1% 57 KSH + 1% 62 KSH + 1% 67 KSH + 1% 72 KSH + 1% 83 KSH + 1% 99 KSH + 1% 103 KSH + 1% 108 KSH + 1%

Disbursements

< 101 KSH < 1,501 KSH < 5,001 KSH < 20,001 KSH < 150,000 KSH
0 KSH + 1% 5 KSH + 1% 9 KSH + 1% 11 KSH + 1% 13 KSH + 1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Lesotho

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
M-Pesa logo
M-PESA
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% MMO + 1% PawaPay fee

Disbursements

2%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Liberia

Icon information sign in red. Icon information sign in gray.
No items found.

Malawi

Icon information sign in red. Icon information sign in gray.
Cross-border settlements currently unavailable for Malawi.
Icon spark in purple.
Enterprise
Airtel Money logo
AIRTEL
See details
arrow pointing down in purple.

Collections

Tiered
3.33%
2.33% MMO + 1% PawaPay fee

Disbursements

2.7625%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
TNM logo
TNM
See details
arrow pointing down in purple.

Collections

Tiered
3%
2% MMO + 1% PawaPay fee

Disbursements

2.7625%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Mali

Icon information sign in red. Icon information sign in gray.
No items found.

Mozambique

Icon information sign in red. Icon information sign in gray.
Cross-border settlements currently unavailable for Mozambique.
Icon spark in purple.
Enterprise
M-Pesa logo
M-pesa Mozambique
See details
arrow pointing down in purple.

Collections

Tiered
4.57%
3.57% MMO + 1% PawaPay

Disbursements

2.02%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
e-Mola (Movitel) logo
Movitel
See details
arrow pointing down in purple.

Collections

Tiered
4%
3% MMO + 1% PawaPay fee

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Nigeria

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
Airtel Money logo
Airtel
See details
arrow pointing down in purple.

Collections

Tiered
3%
2% MMO + 1% PawaPay

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
MTN logo
MTN MoMo
See details
arrow pointing down in purple.

Collections

Tiered
3%
2% MMO + 1% PawaPay

Disbursements

10NGN + 1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Rwanda

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
MTN logo
MTN
See details
arrow pointing down in purple.

Collections

Tiered
3.1%
2.1% MMO + 1% PawaPay fee

Disbursements

60 RWF + 1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Airtel Money logo
Airtel
See details
arrow pointing down in purple.

Collections

Tiered
2.5%
1.5% MMO + 1% PawaPay fee

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Senegal

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
Mixx logo
YAS
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% MMO + 1% PawaPay fee

Disbursements

1.5%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Orange logo
ORANGE
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% MMO + 1% PawaPay fee

Disbursements

1.8%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Wave logo
Wave
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% MMO + 1% PawaPay

Disbursements

2%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Sierra Leone

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
Orange logo
Orange
See details
arrow pointing down in purple.

Collections

Tiered
3.3%
2.3% MMO fee + 1% PawaPay fee

Disbursements

2.15%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

South Sudan

Icon information sign in red. Icon information sign in gray.
No items found.

Tanzania

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
Mixx logo
YAS
See details
arrow pointing down in purple.

Collections

Tiered
1%
1% PawaPay fee

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
food and retail, health services, marketing, education
Icon spark in purple.
Enterprise
Airtel Money logo
AIRTEL
See details
arrow pointing down in purple.

Collections

Tiered
2.18%
1.18% MMO + 1% PawaPay fee

Disbursements

200 TZS + 1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Halotel logo
HALOTEL
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% MMO + 1% PawaPay fee

Disbursements

300 TZS + 1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Vodacom logo
VODACOM
See details
arrow pointing down in purple.

Collections

Tiered
1%
1% PawaPay

Disbursements

< 2,000 TZS < 4,000 TZS < 5,000 TZS < 10,000 TZS < 20,000 TZS >20,000 TZS
40 TZS + 1% 80 TZS + 1% 120 TZS + 1% 140 TZS + 1% 160 TZS + 1% 200 TZS + 1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Uganda

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
MTN logo
MTN
See details
arrow pointing down in purple.

Collections

Tiered
3%
2% MMO + 1% PawaPay fee

Disbursements

< 500 UGX < 60,000 UGX < 500,000 UGX < 1,000,000 UGX > 1,000,000 UGX
0 UGX + 1% 300 UGX + 1% 600 UGX + 1% 1,000 UGX + 1% 1,200 UGX + 1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Fees by sector

Fees for businesses in these growth sectors.

SectorAggregator feeCustomer fee
Government payments0%190 tariff
Lending aggregator1%110 tariff
Insurance2%No fees
Fund managers0%190 tariff
Crowdfunding0.5%110 tariff
Education0%110 tariff
M-Agric0.5%110 tariff
Health0.5%110 tariff
Parking lots / garages1.5%110 tariff
FMCG0.5%110 tariff
Transport & logistics0.5%110 tariff
Religious & faith-based0.5%No fees
Rental collection0%Flat fee
Renewable energy (EV)1%No fees
Ride hailing1%110 tariff
International e-commerce1%110 tariff
Local e-commerce1%110 tariff
Icon spark in purple.
Enterprise
Airtel Money logo
AIRTEL
See details
arrow pointing down in purple.

Collections

Tiered
2.5%
1.5% MMO + 1% PawaPay fee

Disbursements

< 499 UGX < 60,000 UGX < 500,000 UGX > 500,001 UGX
0 UGX + 1% 300 UGX + 1% 600 UGX + 1% 1,000 UGX + 1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.

Zambia

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
Airtel Money logo
Airtel
See details
arrow pointing down in purple.

Collections

Tiered
< 150.01 ZMW < 500.01 ZMW < 1,000.01 ZMW < 3,000.01 ZMW < 5,000.01 ZMW > 5,000.01 ZMW
0.5 ZMW + 1% 1.0 ZMW + 1% 1.5 ZMW + 1% 2.8 ZMW + 1% 4 ZMW + 1% 5.5 ZMW + 1%

Disbursements

1%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
MTN logo
MTN
See details
arrow pointing down in purple.

Collections

Tiered
< 150.01 ZMW < 300.01 ZMW < 500.01 ZMW < 1,000.01 ZMW < 3,000.01 ZMW < 5,000.01 ZMW > 5,000.01 ZMW
0.42 ZMW + 1% 0.9 ZMW + 1% 0.8 ZMW + 1% 1 ZMW + 1% 2.2 ZMW + 1% 3 ZMW + 1% 4 ZMW + 1%

Disbursements

2%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
Icon spark in purple.
Enterprise
Zamtel logo
Zamtel
See details
arrow pointing down in purple.

Collections

Tiered
< 150.01 ZMW < 300.01 ZMW < 500.01 ZMW < 1,000.01 ZMW < 3,000.01 ZMW < 5,000.01 ZMW > 5,000.01 ZMW
0.42 ZMW + 1% 0.60 ZMW + 1% 0.85 ZMW + 1% 1.00 ZMW + 1% 2.00 ZMW + 1% 3.00 ZMW + 1% 5.00 ZMW + 1%

Disbursements

2%
Tiered

Contact Sales to launch

This MMO has additional requirements to launch. Reach out to learn more about it.

Contact Sales
The following industries are only available in Entreprise.
construction, cryptocurrency, education
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