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

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

Collections

Tiered
2.2%
1.2% 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.

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

Collections

Tiered
2.2%
1.2% 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.

Burkina Faso

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Icon spark in purple.
Enterprise
Moov
See details
arrow pointing down in purple.

Collections

Tiered
3%
2% 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.
Icon spark in purple.
Enterprise
Orange
See details
arrow pointing down in purple.

Collections

Tiered
3.3%
2.3% MMO + 1% pawaPay

Disbursements

Tiered
N/A

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.

Cameroon

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

Collections

Tiered
1.75%
0.75% 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.

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

Collections

Tiered
1.77%
0.77% 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.

Congo-Brazzaville

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Icon spark in purple.
Enterprise
Airtel
See details
arrow pointing down in purple.

Collections

Tiered
4%
3% MMO + 1% pawaPay

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

Collections

Tiered
4%
3% 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.

DRC

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Icon spark in purple.
Enterprise
AIRTEL
See details
arrow pointing down in purple.

Collections

Tiered
3%
2% 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.

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

Collections

Tiered
3%
2% 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.
Icon spark in purple.
Enterprise
VODACOM
See details
arrow pointing down in purple.

Collections

Tiered
2.5%
1.5% 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.

Contact Sales
The following industries are only available in Premium.

Gabon

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Icon spark in purple.
Enterprise
Airtel
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% 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.

Ghana

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Please note: To go live in Ghana, you will need to be a locally registered entity.
Icon spark in purple.
Enterprise
AT
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% 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.
Icon spark in purple.
Enterprise
MTN
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% 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.
Icon spark in purple.
Enterprise
Telecel
See details
arrow pointing down in purple.

Collections

Tiered
2%
1% 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.

Ivory Coast

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

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.

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

Collections

Tiered
2.5%
1.5% 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.

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

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.

Kenya

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
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

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%

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.

Lesotho

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

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.

Contact Sales
The following industries are only available in Premium.

Malawi

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

Collections

Tiered
3.33%
2.33% MMO + 1% pawaPay fee

Disbursements

Tiered
2.75%

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.
Icon spark in purple.
Enterprise
TNM
See details
arrow pointing down in purple.

Collections

Tiered
3%
2% MMO + 1% pawaPay fee

Disbursements

Tiered
2.5%

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.

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 Mozambique
See details
arrow pointing down in purple.

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.
Icon spark in purple.
Enterprise
Movitel
See details
arrow pointing down in purple.

Collections

Tiered
5%
4% MMO + 1% pawaPay fee

Disbursements

Tiered
< 500.01 MZN < 12,000.01 MZN > 12,000.01 MZN
5 MZN + 1% 1% + 1% 120 MZN + 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.

Nigeria

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

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.

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

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

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

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.
Icon spark in purple.
Enterprise
Airtel
See details
arrow pointing down in purple.

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

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

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.

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

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.
Icon spark in purple.
Enterprise
Wave
See details
arrow pointing down in purple.

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

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

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.

Contact Sales
The following industries are only available in Premium.

Tanzania

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

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.

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

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.
Icon spark in purple.
Enterprise
HALOTEL
See details
arrow pointing down in purple.

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.
Icon spark in purple.
Enterprise
VODACOM
See details
arrow pointing down in purple.

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

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

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.
Icon spark in purple.
Enterprise
AIRTEL
See details
arrow pointing down in purple.

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

Icon information sign in red. Icon information sign in gray.
Icon spark in purple.
Enterprise
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 < 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.
Icon spark in purple.
Enterprise
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 < 10,000.01 ZMW > 10,000.01 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% 5.2 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.
Icon spark in purple.
Enterprise
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 < 10,000.01 ZMW > 10,000.01 ZMW
0.42 ZMW + 1% 0.80 ZMW + 1% 0.90 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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