---
title: "PawaPay: Payment Gateway in Africa — Fees"
description: "Collect, pay out and refund mobile money across 19 African markets via one API + dashboard. Fees: 2.2% on collections, 1.5% payouts + MMO fees."
canonical_url: "https://liners.com/pawapay"
markdown_url: "https://liners.com/pawapay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/pawapay/screenshot.webp?v=1771641191016"
published_at: "2026-02-21T02:34:54.062Z"
updated_at: "2026-09-22T19:10:04.008Z"
---

# PawaPay: Payment Gateway in Africa — Fees

Collect, pay out and refund mobile money across 19 African markets via one API + dashboard. Fees: 2.2% on collections, 1.5% payouts + MMO fees.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [PawaPay](/pawapay)

## Summary

Collect and pay out mobile money across Africa with one API

A mobile money payment aggregator for businesses to collect, refund, and pay out across 19 African markets via a single API and web dashboard.

## Product details

| Field | Value |
| --- | --- |
| Website | https://pawapay.io/ |
| Tagline | Collect and pay out mobile money across Africa with one API |
| Primary country | Kenya |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

PawaPay is a **mobile money payment aggregator** for businesses that need to **collect and disburse payments** across multiple African countries through a single integration.

Key capabilities include:

- **One Payments API** to connect to major mobile money operators across supported markets for **collections, payouts, and refunds**
- A **web dashboard** to manage mobile money accounts, view and track transactions, and manage settlement activity in one place
- **Settlement controls** that support settlement in **local or global currencies**, with options for **scheduled** or **on-request** settlement
- **Developer tooling** including a **sandbox environment** for testing integrations before going live

Available via **Web (dashboard)** and **API**.

It is built for **B2B** use cases, including merchants and payment-heavy businesses in sectors such as e-commerce, fintech, remittances, digital services, and betting operators that need access to mobile money rails in Africa.

PawaPay is notable for its **pan-African coverage across 19 live markets** (including Ghana, Kenya, Nigeria, Rwanda, Tanzania, Uganda, and Zambia) and its published operational metrics such as **millions of transactions per day**, **billions of euros settled**, and a stated track record of **zero chargebacks** across **nearly 2 billion successful transactions**, which is relevant for businesses prioritising payment reliability in mobile money markets.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Benin](/countries/benin): Market
- [Burkina Faso](/countries/burkina-faso): Market
- [Cameroon](/countries/cameroon): Market
- [Congo](/countries/congo): Market
- [Côte d'Ivoire](/countries/cote-divoire): Market
- [DR Congo](/countries/dr-congo): Market
- [Gabon](/countries/gabon): Market
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [Lesotho](/countries/lesotho): Market
- [Malawi](/countries/malawi): Market
- [Mozambique](/countries/mozambique): Market
- [Nigeria](/countries/nigeria): Market
- [Rwanda](/countries/rwanda): Market
- [Senegal](/countries/senegal): Market
- [Sierra Leone](/countries/sierra-leone): Market
- [Tanzania](/countries/tanzania): Market
- [Uganda](/countries/uganda): Market
- [Zambia](/countries/zambia): Market

## Related pages

- [Alternatives](/pawapay/alternatives)
- [Reviews](/pawapay/reviews)
- [Transparency](/pawapay/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/pawapay)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)