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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Benin

Enterprise
MTN
See details
Collections
Tiered
2.2%
1.2% MMO + 1% pawaPay fee
Disbursements
Tiered
1.5%

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The following industries are only available in Premium.
Enterprise
MOOV
See details
Collections
Tiered
2.2%
1.2% MMO + 1% pawaPay fee
Disbursements
Tiered
1%

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

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The following industries are only available in Premium.

Burkina Faso

Enterprise
Moov
See details
Collections
Tiered
3%
2% MMO + 1% pawaPay
Disbursements
Tiered
2%

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

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The following industries are only available in Premium.
Enterprise
Orange
See details
Collections
Tiered
3.3%
2.3% MMO + 1% pawaPay
Disbursements
Tiered
N/A

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

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The following industries are only available in Premium.

Cameroon

Enterprise
MTN
See details
Collections
Tiered
1.75%
0.75% MMO + 1% pawaPay fee
Disbursements
Tiered
1.3%

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

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The following industries are only available in Premium.
Enterprise
ORANGE
See details
Collections
Tiered
1.77%
0.77% MMO + 1% pawaPay fee
Disbursements
Tiered
1%

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

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The following industries are only available in Premium.

Congo-Brazzaville

Enterprise
Airtel
See details
Collections
Tiered
4%
3% MMO + 1% pawaPay
Disbursements
Tiered
1%

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

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The following industries are only available in Premium.
Enterprise
MTN
See details
Collections
Tiered
4%
3% MMO + 1% pawaPay fee
Disbursements
Tiered
1%

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

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The following industries are only available in Premium.

DRC

Enterprise
AIRTEL
See details
Collections
Tiered
3%
2% MMO + 1% pawaPay fee
Disbursements
Tiered
2%

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

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The following industries are only available in Premium.
Enterprise
ORANGE
See details
Collections
Tiered
3%
2% MMO + 1% pawaPay fee
Disbursements
Tiered
1%

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

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The following industries are only available in Premium.
Enterprise
VODACOM
See details
Collections
Tiered
2.5%
1.5% MMO + 1% pawaPay fee
Disbursements
Tiered
2%

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

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The following industries are only available in Premium.

Gabon

Enterprise
Airtel
See details
Collections
Tiered
2%
1% MMO + 1% pawaPay fee
Disbursements
Tiered
1%

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

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The following industries are only available in Premium.

Ghana

Please note: To go live in Ghana, you will need to be a locally registered entity.
Enterprise
AT
See details
Collections
Tiered
2%
1% MMO + 1% pawaPay fee
Disbursements
Tiered
2%

Contact Sales to launch

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

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The following industries are only available in Premium.
Enterprise
MTN
See details
Collections
Tiered
2%
1% MMO + 1% pawaPay fee
Disbursements
Tiered
2%

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

Contact Sales
The following industries are only available in Premium.
Enterprise
Telecel
See details
Collections
Tiered
2%
1% MMO + 1% pawaPay fee
Disbursements
Tiered
2%

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

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The following industries are only available in Premium.

Ivory Coast

Enterprise
MTN
See details
Collections
Tiered
1.8%
0.8% MMO + 1% pawaPay fee
Disbursements
Tiered
1.3%

Contact Sales to launch

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

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The following industries are only available in Premium.
Enterprise
ORANGE
See details
Collections
Tiered
2.5%
1.5% MMO + 1% pawaPay fee
Disbursements
Tiered
2%

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

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The following industries are only available in Premium.
Enterprise
Wave
See details
Collections
Tiered
2%
1% MMO + 1% pawaPay
Disbursements
Tiered
2%

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

Contact Sales
The following industries are only available in Premium.

Kenya

Enterprise
M-PESA
See details
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%

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

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The following industries are only available in Premium.

Lesotho

Enterprise
M-PESA
See details
Collections
Tiered
2%
1% MMO + 1% pawaPay fee
Disbursements
Tiered
2%

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

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The following industries are only available in Premium.

Malawi

Cross-border settlements currently unavailable for Malawi.
Enterprise
AIRTEL
See details
Collections
Tiered
3.33%
2.33% MMO + 1% pawaPay fee
Disbursements
Tiered
2.75%

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

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The following industries are only available in Premium.
Enterprise
TNM
See details
Collections
Tiered
3%
2% MMO + 1% pawaPay fee
Disbursements
Tiered
2.5%

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

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The following industries are only available in Premium.

Mozambique

Cross-border settlements currently unavailable for Mozambique.
Enterprise
M-pesa Mozambique
See details
Collections
Tiered
2%
1% MMO + 1% pawaPay
Disbursements
Tiered
2%

Contact Sales to launch

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

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The following industries are only available in Premium.
Enterprise
Movitel
See details
Collections
Tiered
Disbursements
Tiered

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

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The following industries are only available in Premium.

Nigeria

Enterprise
Airtel
See details
Collections
Tiered
3%
2% MMO + 1% pawaPay
Disbursements
Tiered
1%

Contact Sales to launch

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

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The following industries are only available in Premium.
Enterprise
MTN MoMo
See details
Collections
Tiered
3%
2% MMO + 1% pawaPay
Disbursements
Tiered
10NGN + 1%

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 Premium.

Rwanda

Enterprise
MTN
See details
Collections
Tiered
3.1%
2.1% MMO + 1% pawaPay fee
Disbursements
Tiered
60 RWF + 1%

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 Premium.
Enterprise
Airtel
See details
Collections
Tiered
2.77%
1.77% MMO + 1% pawaPay fee
Disbursements
Tiered
1%

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 Premium.

Senegal

Enterprise
YAS
See details
Collections
Tiered
2%
1% MMO + 1% pawaPay fee
Disbursements
Tiered
1.5%

Contact Sales to launch

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

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The following industries are only available in Premium.
Enterprise
ORANGE
See details
Collections
Tiered
2%
1% MMO + 1% pawaPay fee
Disbursements
Tiered
1.8%

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 Premium.
Enterprise
Wave
See details
Collections
Tiered
2%
1% MMO + 1% pawaPay
Disbursements
Tiered
2%

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 Premium.

Sierra Leone

Enterprise
Orange
See details
Collections
Tiered
3.3%
2.3% MMO fee + 1% pawaPay fee
Disbursements
Tiered
2.15%

Contact Sales to launch

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

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The following industries are only available in Premium.

Tanzania

Enterprise
YAS
See details
Collections
Tiered
1%
1% pawaPay fee
Disbursements
Tiered
1%

Contact Sales to launch

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

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The following industries are only available in Premium.
food and retail, health services, marketing, education
Enterprise
AIRTEL
See details
Collections
Tiered
2.18%
1.18% MMO + 1% pawaPay fee
Disbursements
Tiered
200 TZS + 1%

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 Premium.
Enterprise
HALOTEL
See details
Collections
Tiered
2%
1% MMO + 1% pawaPay fee
Disbursements
Tiered
300 TZS + 1%

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 Premium.
Enterprise
VODACOM
See details
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%

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 Premium.

Uganda

Enterprise
MTN
See details
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%

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 Premium.
Enterprise
AIRTEL
See details
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%

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 Premium.

Zambia

Enterprise
Airtel
See details
Collections
Tiered
< 150.01 ZMW < 500.01 ZMW < 1,000.01 ZMW < 3,000.01 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%

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 Premium.
Enterprise
MTN
See details
Collections
Tiered
< 150.01 ZMW < 500.01 ZMW < 1,000.01 ZMW < 3,000.01 ZMW < 5,000.01 ZMW < 10,000.01 ZMW
0.5 ZMW + 1% 1 ZMW + 1% 1.5 ZMW + 1% 3 ZMW + 1% 4 ZMW + 1% 5 ZMW + 1%
Disbursements
Tiered
2%

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 Premium.
Enterprise
Zamtel
See details
Collections
Tiered
< 150.01 ZMW < 300.01 ZMW < 500.01 ZMW < 1,000.01 ZMW < 3,000.01 ZMW < 5,000.01 ZMW < 10,000.01 ZMW < 20,000.01 ZMW
0.42 ZMW + 1% 0.90 ZMW + 1% 0.80 ZMW + 1% 1.00 ZMW + 1% 2.00 ZMW + 1% 3.00 ZMW + 1% 4.00 ZMW + 1% 5.00 ZMW + 1%
Disbursements
Tiered
2%

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 Premium.
construction, cryptocurrency, education
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