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

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Benin

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.

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

Moov

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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.

Orange

See details

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This MNO has additional requirements to launch.
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Collections

Tiered

3.3%

2.3% MNO + 1% pawaPay

Disbursements

Tiered

N/A

The following industries are only available in Premium.

Cameroon

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.

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.

Congo-Brazzaville

Airtel

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This MNO has additional requirements to launch.
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Collections

Tiered

4%

3%MNO + 1% pawaPay

Disbursements

Tiered

1%

The following industries are only available in Premium.

MTN

See details

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This MNO has additional requirements to launch.
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Collections

Tiered

4%

3% MNO + 1% pawaPay fee

Disbursements

Tiered

1%

The following industries are only available in Premium.

DRC

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.

ORANGE

See details

Contact Sales

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.

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.

Gabon

Airtel

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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.

Ghana

AT

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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.

MTN

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.

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

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.

ORANGE

See details

Contact Sales

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.

Wave

See details

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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.

Kenya

M-PESA

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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

AIRTEL

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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.

TNM

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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

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.

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

Airtel

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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.

MTN MoMo

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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

MTN

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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.

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

FREE

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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

1.5%

The following industries are only available in Premium.

ORANGE

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

1.8%

The following industries are only available in Premium.

Wave

See details

Contact Sales

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.

Sierra Leone

Orange

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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

TIGO

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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.

AIRTEL

See details

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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.

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.

VODACOM

See details

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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

MTN

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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

< 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.

AIRTEL

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

< 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

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 fee

Disbursements

Tiered

1%

The following industries are only available in Premium.

MTN

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%

The following industries are only available in Premium.

Zamtel

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

2%

The following industries are only available in Premium.