Fair Pricing for Everyone
Whether you're a freelancer getting paid or a business making payouts, enjoy the best pricing you can get.
Competitive Rates Globally
Low rates for mobile money and bank payments in Kenya and across Africa.
Kenya M-Pesa Collections
Per successful payment, no cap
| Payment | Fee |
|---|---|
| KES 1,500 | KES 19.50 |
| KES 5,000 | KES 65 |
| KES 10,000 | KES 130 |
| KES 50,000 | KES 650 |
| KES 100,000 | KES 1,300 |
M-Pesa wallet
Send to M-Pesa numbers (B2C)
| Payout amount | Fee |
|---|---|
| KES 1 – 1,500 | KES 20 |
| KES 1,501 – 10,000 | KES 40 |
| KES 10,001 – 50,000 | KES 60 |
| KES 50,001 – 150,000 | KES 100 |
M-Pesa Paybill / Till
Pay Paybill and Till numbers (B2B)
| Payout amount | Fee |
|---|---|
| KES 1 – 1,500 | KES 40 |
| KES 1,501 – 10,000 | KES 80 |
| KES 10,001 – 40,000 | KES 140 |
| KES 40,001 – 999,999 | KES 180 |
Bank account
Send to Kenyan bank accounts
| Payout amount | Fee |
|---|---|
| KES 1 – 10,000 | KES 80 |
| KES 10,001 – 50,000 | KES 120 |
| KES 50,001 – 999,999 | KES 140 |
| KES 1,000,000 – 50,000,000 | KES 350 |
Mobile Money & Bank Transfer Fees by Country
| Country | Method | Amount | Fee |
|---|---|---|---|
| Benin | Mobile money | All amounts | 3.2% |
| Botswana | Bank transfer | BWP 5,000 – 135,000 | 1% |
| BWP 135,000 – 1,000,000 | BWP 400 | ||
| Mobile money | All amounts | 3.05% | |
| Burkina Faso | Mobile money | All amounts | 5.2% |
| Cameroon | Mobile money | All amounts | 1.8% |
| Côte d'Ivoire | Mobile money | All amounts | 3.2% |
| Ghana | Not available | ||
| Malawi | Bank transfer | MWK 500,000 – 1,200,000 | 1% |
| MWK 1,200,000 – 40,000,000 | MWK 4,000 | ||
| Mobile money | All amounts | 4%min. MWK 750 | |
| Mali | Mobile money | All amounts | 4.8% |
| Nigeria | Bank transfer | Up to NGN 100,000 | 1.8% |
| Above NGN 100,000 | 1.2%min. NGN 1,500 | ||
| Rwanda | Bank transfer | RWF 500 – 3,000,000 | 1.8%min. RWF 1,500 |
| RWF 3,000,000 – 15,000,000 | RWF 40,000 | ||
| Senegal | Not available | ||
| South Africa | EFT | All amounts | 2.8% |
| Tanzania | Bank transfer | TZS 5,000,000 – 10,000,000 | 1.2% |
| TZS 10,000,000 – 25,000,000 | TZS 65,000 | ||
| TZS 25,000,000 – 30,000,000 | 1% | ||
| Mobile money | Up to TZS 300,000 | 2.2%min. TZS 2,500 | |
| Above TZS 300,000 | 1.8%min. TZS 4,000 | ||
| Togo | Mobile money | All amounts | 4.2% |
| Uganda | Bank transfer | UGX 5,000,000 – 35,000,000 | UGX 65,000 |
| Mobile money | All amounts | 3% | |
| Zambia | Bank transfer | ZMW 25,000 – 1,000,000 | 1% |
| ZMW 1,000,000 – 15,000,000 | ZMW 200 | ||
| Mobile money | All amounts | 2.2% | |
Benin
Mobile money
- All amounts3.2%
Botswana
Bank transfer
- BWP 5,000 – 135,0001%
- BWP 135,000 – 1,000,000BWP 400
Mobile money
- All amounts3.05%
Burkina Faso
Mobile money
- All amounts5.2%
Cameroon
Mobile money
- All amounts1.8%
Côte d'Ivoire
Mobile money
- All amounts3.2%
Ghana
Not available
Malawi
Bank transfer
- MWK 500,000 – 1,200,0001%
- MWK 1,200,000 – 40,000,000MWK 4,000
Mobile money
- All amounts4%min. MWK 750
Mali
Mobile money
- All amounts4.8%
Nigeria
Bank transfer
- Up to NGN 100,0001.8%
- Above NGN 100,0001.2%min. NGN 1,500
Rwanda
Bank transfer
- RWF 500 – 3,000,0001.8%min. RWF 1,500
- RWF 3,000,000 – 15,000,000RWF 40,000
Senegal
Not available
South Africa
EFT
- All amounts2.8%
Tanzania
Bank transfer
- TZS 5,000,000 – 10,000,0001.2%
- TZS 10,000,000 – 25,000,000TZS 65,000
- TZS 25,000,000 – 30,000,0001%
Mobile money
- Up to TZS 300,0002.2%min. TZS 2,500
- Above TZS 300,0001.8%min. TZS 4,000
Togo
Mobile money
- All amounts4.2%
Uganda
Bank transfer
- UGX 5,000,000 – 35,000,000UGX 65,000
Mobile money
- All amounts3%
Zambia
Bank transfer
- ZMW 25,000 – 1,000,0001%
- ZMW 1,000,000 – 15,000,000ZMW 200
Mobile money
- All amounts2.2%
Additional Payment Methods
More ways to pay and get paid globally. Choose what works best for you.
Card Payments
Accept credit and debit card payments from customers globally
- 4% transaction fee
- No cap on transactions
- Fee charged to receiver
- Provider surcharge may apply
- Global card acceptance
- Great for selling online
USD Payments
Send and receive US dollar payments with a fee that stays small on large amounts
- 1.2% transaction fee
- Minimum fee of $2
- Maximum fee capped at $10
- A $500 payment costs $6
Enterprise & Custom Pricing
Need custom solutions, high-volume discounts, or dedicated support? We offer tailored pricing for enterprises and organizations with special requirements.
Calculate Your Fees
See exactly what you'll pay before you transact. Full transparency for both sending and receiving.
Fee Calculator
See exactly what you'll pay - transparent, simple, fair
Fee
Frequently Asked Questions
Everything you need to know about Payd pricing
Is Payd only for businesses or can individuals use it too?
Payd is for everyone! Whether you're a freelancer getting paid, a business making payouts, sending money to family, or just need to make global payments - Payd works for individuals and businesses alike. Same great pricing for all.
Are there any monthly fees or setup costs?
No! Payd has zero monthly fees, no setup costs, and no hidden charges. You only pay transaction fees when you use our services.
Do the regional rates apply to both mobile money and bank transfers?
Rates depend on the country, the payment method and whether you're collecting or paying out. In Kenya, M-Pesa collections are 1.3%, and payouts have a flat fee by amount for M-Pesa wallets, Paybill/Till numbers and bank accounts. For the rest of Africa, the table above lists mobile money and bank transfer rates for each country, for both collections and payouts.
How do the maximum fee caps work?
USD payments are 1.2%, with a minimum fee of $2 and a maximum of $10 per transaction. Payouts in Kenya use flat fees by amount band, so you pay the same fee anywhere within a band. M-Pesa collections (1.3%) and card payments (4%) are not capped.
Can I see fees for both sending and receiving?
Absolutely! Our calculator covers both collections and payouts, so you can see exactly what you'll pay or receive before you transact. Full transparency, always.
What countries do you support?
We support 35+ countries globally. Our pricing covers Kenya, plus collections in 14 and payouts in 15 other African countries through mobile money and bank transfers, with fees charged in local currency.
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