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

Standard fees Betting fees

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

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Benin

Enterprise

MTN

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Collections

Tiered

2.2%

1.2% MMO + 1% pawaPay fee

Disbursements

Tiered

1.5%

The following industries are only available in Premium.

Enterprise

MOOV

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This MMO has additional requirements to launch.
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Collections

Tiered

2.2%

1.2% MMO + 1% pawaPay fee

Disbursements

Tiered

1%

The following industries are only available in Premium.

Burkina Faso

Enterprise

Moov

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This MMO has additional requirements to launch.
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Collections

Tiered

3%

2% MMO + 1% pawaPay

Disbursements

Tiered

2%

The following industries are only available in Premium.

Enterprise

Orange

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This MMO has additional requirements to launch.
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Collections

Tiered

3.3%

2.3% MMO + 1% pawaPay

Disbursements

Tiered

N/A

The following industries are only available in Premium.

Cameroon

Enterprise

MTN

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This MMO has additional requirements to launch.
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Collections

Tiered

1.75%

0.75% MMO + 1% pawaPay fee

Disbursements

Tiered

1.3%

The following industries are only available in Premium.

Enterprise

ORANGE

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This MMO has additional requirements to launch.
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Collections

Tiered

1.77%

0.77% MMO + 1% pawaPay fee

Disbursements

Tiered

1%

The following industries are only available in Premium.

Congo-Brazzaville

Enterprise

Airtel

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This MMO has additional requirements to launch.
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Collections

Tiered

4%

3% MMO + 1% pawaPay

Disbursements

Tiered

1%

The following industries are only available in Premium.

Enterprise

MTN

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This MMO has additional requirements to launch.
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Collections

Tiered

4%

3% MMO + 1% pawaPay fee

Disbursements

Tiered

1%

The following industries are only available in Premium.

DRC

Enterprise

AIRTEL

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This MMO has additional requirements to launch.
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Collections

Tiered

3%

2% MMO + 1% pawaPay fee

Disbursements

Tiered

2%

The following industries are only available in Premium.

Enterprise

ORANGE

See details

Contact Sales

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

Collections

Tiered

3%

2% MMO + 1% pawaPay fee

Disbursements

Tiered

1%

The following industries are only available in Premium.

Enterprise

VODACOM

See details

Contact Sales

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

Collections

Tiered

2.5%

1.5% MMO + 1% pawaPay fee

Disbursements

Tiered

2%

The following industries are only available in Premium.

Gabon

Enterprise

Airtel

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Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

2%

1% MMO + 1% pawaPay fee

Disbursements

Tiered

1%

The following industries are only available in Premium.

Ghana

Enterprise

AT

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This MMO has additional requirements to launch.
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Collections

Tiered

2%

1% MMO + 1% pawaPay fee

Disbursements

Tiered

2%

The following industries are only available in Premium.

Enterprise

MTN

See details

Contact Sales

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

Collections

Tiered

2%

1% MMO + 1% pawaPay fee

Disbursements

Tiered

2%

The following industries are only available in Premium.

Enterprise

Telecel

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Contact Sales

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

Collections

Tiered

2%

1% MMO + 1% pawaPay fee

Disbursements

Tiered

2%

The following industries are only available in Premium.

Ivory Coast

Enterprise

MTN

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This MMO has additional requirements to launch.
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Collections

Tiered

1.8%

0.8% MMO + 1% pawaPay fee

Disbursements

Tiered

1.3%

The following industries are only available in Premium.

Enterprise

ORANGE

See details

Contact Sales

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

Collections

Tiered

2.5%

1.5% MMO + 1% pawaPay fee

Disbursements

Tiered

2%

The following industries are only available in Premium.

Enterprise

Wave

See details

Contact Sales

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

Collections

Tiered

2%

1% MMO + 1% pawaPay

Disbursements

Tiered

2%

The following industries are only available in Premium.

Kenya

Enterprise

M-PESA

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This MMO has additional requirements to launch.
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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

Tiered

< 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%

The following industries are only available in Premium.

Lesotho

Enterprise

M-PESA

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This MMO has additional requirements to launch.
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Collections

Tiered

Disbursements

Tiered

The following industries are only available in Premium.

Malawi

Enterprise

AIRTEL

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This MMO has additional requirements to launch.
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Collections

Tiered

3.33%

2.33% MMO + 1% pawaPay fee

Disbursements

Tiered

2.75%

The following industries are only available in Premium.

Enterprise

TNM

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This MMO has additional requirements to launch.
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Collections

Tiered

3%

2% MMO + 1% pawaPay fee

Disbursements

Tiered

2.5%

The following industries are only available in Premium.

Mozambique

Enterprise

M-pesa Mozambique

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This MMO has additional requirements to launch.
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Collections

Tiered

2%

1% MMO + 1% pawaPay

Disbursements

Tiered

2%

The following industries are only available in Premium.

Enterprise

Movitel

See details

Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

Disbursements

Tiered

The following industries are only available in Premium.

Nigeria

Enterprise

Airtel

See details

Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

3%

2% MMO + 1% pawaPay

Disbursements

Tiered

1%

The following industries are only available in Premium.

Enterprise

MTN MoMo

See details

Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

3%

2% MMO + 1% pawaPay

Disbursements

Tiered

10NGN + 1%

The following industries are only available in Premium.

Rwanda

Enterprise

MTN

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This MMO has additional requirements to launch.
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Collections

Tiered

3.36%

2.36% MMO + 1% pawaPay fee

Disbursements

Tiered

60 RWF + 1%

The following industries are only available in Premium.

Enterprise

Airtel

See details

Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

2.77%

1.77% MMO + 1% pawaPay fee

Disbursements

Tiered

1%

The following industries are only available in Premium.

Senegal

Enterprise

YAS

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This MMO has additional requirements to launch.
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Collections

Tiered

2%

1% MMO + 1% pawaPay fee

Disbursements

Tiered

1.5%

The following industries are only available in Premium.

Enterprise

ORANGE

See details

Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

2%

1% MMO + 1% pawaPay fee

Disbursements

Tiered

1.8%

The following industries are only available in Premium.

Enterprise

Wave

See details

Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

2%

1% MMO + 1% pawaPay

Disbursements

Tiered

2%

The following industries are only available in Premium.

Sierra Leone

Enterprise

Orange

See details

Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

3%

2% MMO fee + 1% pawaPay fee

Disbursements

Tiered

2%

The following industries are only available in Premium.

Tanzania

Enterprise

YAS

See details

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This MMO has additional requirements to launch.
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Collections

Tiered

1%

1% pawaPay fee

Disbursements

Tiered

1%

The following industries are only available in Premium.

Enterprise

AIRTEL

See details

Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

2.18%

1.18% MMO + 1% pawaPay fee

Disbursements

Tiered

200 TZS + 1%

The following industries are only available in Premium.

Enterprise

HALOTEL

See details

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This MMO has additional requirements to launch.
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Collections

Tiered

2%

1% MMO + 1% pawaPay fee

Disbursements

Tiered

300 TZS + 1%

The following industries are only available in Premium.

Enterprise

VODACOM

See details

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This MMO has additional requirements to launch.
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Collections

Tiered

1%

1% pawaPay

Disbursements

Tiered

< 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%

The following industries are only available in Premium.

Uganda

Enterprise

MTN

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This MMO has additional requirements to launch.
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Collections

Tiered

3%

2% MMO + 1% pawaPay fee

Disbursements

Tiered

< 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%

The following industries are only available in Premium.

Enterprise

AIRTEL

See details

Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

2.5%

1.5% MMO + 1% pawaPay fee

Disbursements

Tiered

< 499 UGX < 60,000 UGX < 500,000 UGX > 500,001 UGX

0 UGX + 1% 300 UGX + 1% 600 UGX + 1% 1,000 UGX + 1%

The following industries are only available in Premium.

Zambia

Enterprise

Airtel

See details

Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

< 150.01 ZMW < 500.01 ZMW < 1,000.01 ZMW < 3,00.01 ZMW < 5,000.01 ZMW < 10,000.01 ZMW

0.50 ZMW + 1% 1 ZMW + 1% 1.5 ZMW + 1% 2.8 ZMW + 1% 4 ZMW + 1% 5.5 ZMW + 1%

Disbursements

Tiered

1%

The following industries are only available in Premium.

Enterprise

MTN

See details

Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

3%

2% MMO + 1% pawaPay fee

Disbursements

Tiered

2%

The following industries are only available in Premium.

Enterprise

Zamtel

See details

Contact Sales

This MMO has additional requirements to launch.
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Collections

Tiered

2%

1% MMO + 1% pawaPay fee

Disbursements

Tiered

2%

The following industries are only available in Premium.