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 Network Operator (MNO) to you. These depend on the specific MNO 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 MNOs.

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

Filter by country

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Benin

Premium
MTN
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This MNO has additional requirements to launch.
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Collections
Tiered
2.2%
1.2% MNO + 1% pawaPay fee
Disbursements
Tiered
1.5%
The following industries are only available in Premium.
Premium
MOOV
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
2.2%
1.2% MNO + 1% pawaPay fee
Disbursements
Tiered
1%
The following industries are only available in Premium.

Burkina Faso

Premium
Moov
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This MNO has additional requirements to launch.
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Collections
Tiered
2%
1% MNO + 1% pawaPay
Disbursements
Tiered
2%
The following industries are only available in Premium.
Premium
Orange
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
3%
2% MNO+1% pawaPay
Disbursements
Tiered
2%
The following industries are only available in Premium.

Cameroon

Premium
MTN
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This MNO has additional requirements to launch.
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Collections
Tiered
1.75%
0.75% MNO + 1% pawaPay fee
Disbursements
Tiered
1.3%
The following industries are only available in Premium.
Premium
ORANGE
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
1.77%
0.77% MNO + 1% pawaPay fee
Disbursements
Tiered
1%
The following industries are only available in Premium.

DRC

Premium
AIRTEL
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This MNO has additional requirements to launch.
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Collections
Tiered
3%
2% MNO + 1% pawaPay fee
Disbursements
Tiered
2%
The following industries are only available in Premium.
Premium
ORANGE
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
3%
2% MNO + 1% pawaPay fee
Disbursements
Tiered
1%
The following industries are only available in Premium.
Premium
VODACOM
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
2.5%
1.5% MNO + 1% pawaPay fee
Disbursements
Tiered
2%
The following industries are only available in Premium.

Ghana

Premium
AT
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
2%
1% MNO + 1% pawaPay fee
Disbursements
Tiered
1%
The following industries are only available in Premium.
Premium
MTN
See details

Contact us to launch

This MNO has additional requirements to launch.
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Collections
Tiered
2%
1% MNO + 1% pawaPay fee
Disbursements
Tiered
1%
The following industries are only available in Premium.
Premium
Telecel
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
2%
1% MNO + 1% pawaPay fee
Disbursements
Tiered
1%
The following industries are only available in Premium.

Ivory Coast

Premium
MTN
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This MNO has additional requirements to launch.
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Collections
Tiered
2.5%
1.5% MNO + 1% pawaPay fee
Disbursements
Tiered
1.2%
The following industries are only available in Premium.
Premium
ORANGE
See details

Contact us to launch

This MNO has additional requirements to launch.
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Collections
Tiered
2.5%
1.5% MNO + 1% pawaPay fee
Disbursements
Tiered
2%
The following industries are only available in Premium.

Kenya

Premium
M-PESA
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
< 101 KSH < 501 KSH < 1,001 KSH < 1,501 KSH < 12,501 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.

Malawi

Premium
AIRTEL
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
3.33%
2.33% MNO + 1% pawaPay fee
Disbursements
Tiered
2.75%
The following industries are only available in Premium.
Premium
TNM
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
3%
2% MNO + 1% pawaPay fee
Disbursements
Tiered
2.5%
The following industries are only available in Premium.

Mozambique

Premium
M-pesa Mozambique
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This MNO has additional requirements to launch.
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Collections
Tiered
4%
3% MNO + 1% pawaPay
Disbursements
Tiered
2%
The following industries are only available in Premium.
Premium
Movitel
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
Disbursements
Tiered
The following industries are only available in Premium.

Nigeria

Premium
Airtel
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
3%
2% MNO + 1% pawaPay
Disbursements
Tiered
1%
The following industries are only available in Premium.
Premium
MTN MoMo
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
3%
2% MNO + 1% pawaPay
Disbursements
Tiered
10NGN + 1%
The following industries are only available in Premium.

Rwanda

Premium
MTN
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
3.36%
2.36% MNO + 1% pawaPay fee
Disbursements
Tiered
60 RWF + 1%
The following industries are only available in Premium.
Premium
Airtel
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
2.77%
1.77% MNO + 1% pawaPay fee
Disbursements
Tiered
1%
The following industries are only available in Premium.

Senegal

Premium
FREE
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
2%
1% MNO + 1% pawaPay fee
Disbursements
Tiered
1%
The following industries are only available in Premium.
Premium
ORANGE
See details

Contact us to launch

This MNO has additional requirements to launch.
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Collections
Tiered
2%
1% MNO + 1% pawaPay fee
Disbursements
Tiered
1.8%
The following industries are only available in Premium.

Sierra Leone

Premium
Orange
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
3%
2% MNO fee + 1% pawaPay fee
Disbursements
Tiered
2%
The following industries are only available in Premium.

Tanzania

Premium
TIGO
See details

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This MNO 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.
food and retail, health services, marketing, education
Premium
AIRTEL
See details

Contact us to launch

This MNO has additional requirements to launch.
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Collections
Tiered
2.18%
1.18% MNO + 1% pawaPay fee
Disbursements
Tiered
200 TZS + 1%
The following industries are only available in Premium.
Premium
HALOTEL
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
2%
1% MNO + 1% pawaPay fee
Disbursements
Tiered
300 TZS + 1%
The following industries are only available in Premium.
Premium
VODACOM
See details

Contact us to launch

This MNO 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

Premium
MTN
See details

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This MNO has additional requirements to launch.
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Collections
Tiered
3.5%
2.5% MNO + 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.
Premium
AIRTEL
See details

Contact us to launch

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

Contact us
Collections
Tiered
3%
2% MNO + 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

Premium
Airtel
See details

Contact us to launch

This MNO has additional requirements to launch.
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Collections
Tiered
3%
2% MNO + 1% pawaPay fee
Disbursements
Tiered
1%
The following industries are only available in Premium.
Premium
MTN
See details

Contact us to launch

This MNO has additional requirements to launch.
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Collections
Tiered
3%
2% MNO + 1% pawaPay fee
Disbursements
Tiered
2%
The following industries are only available in Premium.
Premium
Zamtel
See details

Contact us to launch

This MNO has additional requirements to launch.
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Collections
Tiered
2%
1% MNO + 1% pawaPay fee
Disbursements
Tiered
2%
The following industries are only available in Premium.
construction, cryptocurrency, education