Every fee, in plain sight
You pay when money moves, never to hold an account. The same prices apply to individuals and businesses.
- No account, monthly or setup fees
- Free between Payd accounts
- Every fee shown before you confirm
KES
- Fee
- KES 40
- You pay in total
- KES 10,040
Fees from our published price list. Sending to another Payd account is free.
- Between Payd accounts
- Free
- Send to any @username
- Receiving US dollars
- 1.2% (min. $2, max. $10)
- A $500 payment costs $6
- M-Pesa collections
- 1.3%
- Taken from what you receive
- Card payments
- 4%
- Taken from what you receive
Kenya
Payouts have a flat fee for each amount band, added to what you send. M-Pesa collections are a percentage, taken from what you receive.
| Pay out to | Amount and fee | Fee |
|---|---|---|
| M-Pesa numberKES | KES 1 – 1,500KES 20 | KES 20 |
| M-Pesa number | KES 1,501 – 10,000KES 40 | KES 40 |
| M-Pesa number | KES 10,001 – 50,000KES 60 | KES 60 |
| M-Pesa number | KES 50,001 – 150,000KES 100 | KES 100 |
| Paybill or TillKES | KES 1 – 1,500KES 40 | KES 40 |
| Paybill or Till | KES 1,501 – 10,000KES 80 | KES 80 |
| Paybill or Till | KES 10,001 – 40,000KES 140 | KES 140 |
| Paybill or Till | KES 40,001 – 999,999KES 180 | KES 180 |
| Bank accountKES | KES 1 – 10,000KES 80 | KES 80 |
| Bank account | KES 10,001 – 50,000KES 120 | KES 120 |
| Bank account | KES 50,001 – 999,999KES 140 | KES 140 |
| Bank account | KES 1,000,000 – 50,000,000KES 350 | KES 350 |
| Collect by | Payment and fee | Fee |
|---|---|---|
| M-Pesa1.3% of each payment | KES 1,500KES 19.50 | KES 19.50 |
| M-Pesa | KES 5,000KES 65 | KES 65 |
| M-Pesa | KES 10,000KES 130 | KES 130 |
| M-Pesa | KES 50,000KES 650 | KES 650 |
| M-Pesa | KES 100,000KES 1,300 | KES 1,300 |
Cards and US dollars
| Payment | Example and fee | Fee |
|---|---|---|
| Card paymentsTaken from the payment. Card network surcharges may apply. | Any amount4% | 4% |
| US dollar payments1.2% (min. $2, max. $10) | $100$2 | $2 |
| US dollar payments | $500$6 | $6 |
| US dollar payments | $2,000$10 | $10 |
Paying out across Africa
Fees are in the local currency and added to what you send. Ghana fees are shown in the app before you confirm.
| Country | Amount and fee | Fee |
|---|---|---|
| CameroonMobile money, XAF | All amounts1.8% | 1.8% |
| MalawiBank transfer, MWK | MWK 500,000 – 1,200,0001% | 1% |
| Malawi | Over MWK 1,200,000, up to 40,000,000MWK 4,000 | MWK 4,000 |
| MalawiMobile money, MWK | All amounts3.2% (min. MWK 150) | 3.2% (min. MWK 150) |
| NigeriaBank transfer, NGN | All amountsNGN 250 | NGN 250 |
| SenegalMobile money, XOF | All amounts3.2% | 3.2% |
| South AfricaEFT, ZAR | ZAR 200 – 60,0001% (min. ZAR 15) | 1% (min. ZAR 15) |
| South Africa | Over ZAR 60,000, up to 500,000ZAR 225 | ZAR 225 |
| TanzaniaBank transfer, TZS | TZS 5,000,000 – 10,000,0001.2% | 1.2% |
| Tanzania | Over TZS 10,000,000, up to 25,000,000TZS 65,000 | TZS 65,000 |
| Tanzania | Over TZS 25,000,000, up to 30,000,0001% | 1% |
| TanzaniaMobile money, TZS | TZS 2,500 – 300,0002.2% (min. TZS 2,500) | 2.2% (min. TZS 2,500) |
| Tanzania | Over TZS 300,000, up to 5,000,0001.8% (min. TZS 4,000) | 1.8% (min. TZS 4,000) |
| TogoMobile money, XOF | All amounts2.25% | 2.25% |
| UgandaBank transfer, UGX | UGX 5,000,000 – 35,000,000UGX 65,000 | UGX 65,000 |
| UgandaMobile money, UGX | All amounts1.8% (min. UGX 3,000) | 1.8% (min. UGX 3,000) |
| ZambiaBank transfer, ZMW | ZMW 25,000 – 1,000,0001.2% (min. ZMW 175) | 1.2% (min. ZMW 175) |
| Zambia | Over ZMW 1,000,000, up to 15,000,0001.2% (min. ZMW 75) | 1.2% (min. ZMW 75) |
| ZambiaMobile money, ZMW | All amounts2.2% | 2.2% |
Collecting across Africa
When customers or clients pay you by mobile money or bank. Fees are taken from what you receive.
| Country | Amount and fee | Fee |
|---|---|---|
| CameroonMobile money, XAF | All amounts1.8% | 1.8% |
| MalawiBank transfer, MWK | MWK 500,000 – 1,200,0001% | 1% |
| Malawi | Over MWK 1,200,000, up to 40,000,000MWK 4,000 | MWK 4,000 |
| MalawiMobile money, MWK | All amounts4% (min. MWK 750) | 4% (min. MWK 750) |
| NigeriaBank transfer, NGN | Up to NGN 100,0001.8% | 1.8% |
| Nigeria | Over NGN 100,0001.2% (min. NGN 1,500) | 1.2% (min. NGN 1,500) |
| South AfricaEFT, ZAR | All amounts2.8% | 2.8% |
| TanzaniaBank transfer, TZS | TZS 5,000,000 – 10,000,0001.2% | 1.2% |
| Tanzania | Over TZS 10,000,000, up to 25,000,000TZS 65,000 | TZS 65,000 |
| Tanzania | Over TZS 25,000,000, up to 30,000,0001% | 1% |
| TanzaniaMobile money, TZS | Up to TZS 300,0002.2% (min. TZS 2,500) | 2.2% (min. TZS 2,500) |
| Tanzania | Over TZS 300,0001.8% (min. TZS 4,000) | 1.8% (min. TZS 4,000) |
| TogoMobile money, XOF | All amounts4.2% | 4.2% |
| UgandaBank transfer, UGX | UGX 5,000,000 – 35,000,000UGX 65,000 | UGX 65,000 |
| UgandaMobile money, UGX | All amounts3% | 3% |
| ZambiaBank transfer, ZMW | ZMW 25,000 – 1,000,0001% | 1% |
| Zambia | Over ZMW 1,000,000, up to 15,000,000ZMW 200 | ZMW 200 |
| ZambiaMobile money, ZMW | All amounts2.2% | 2.2% |
Questions about fees
Are there monthly or setup fees?
No. You only pay when money moves, and transfers between Payd accounts are free.
Who pays the fee?
When you send or pay out, the fee is added to the amount you send. When you collect, the fee is taken from the amount you receive.
Do businesses pay different prices?
No. The same price list applies to everyone. If you pay or collect large volumes, book a call and we'll talk through your costs.
My country isn't listed. Can I still use Payd?
Yes. Outside the countries above you can get paid in USDT or USDC and use USD and EUR account details. Contact us to ask about a new market.
Start with no setup fees
Open a free account and see every fee in the app before you confirm.