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Payd

Send to M-Pesa, MTN MoMo and Airtel Money

Pay M-Pesa, MTN MoMo, Airtel Money and other wallets in 9 countries from your Payd balance. You see the fee and the total before you confirm.

Create a free accountSee all fees

Sending KES 10,000 to an M-Pesa number costs KES 40.

Confirming a KES 10,000 M-Pesa payment with a KES 40 fee in the Payd app

How it works

  1. 1

    Pick the country and network

    M-Pesa, MTN MoMo, Airtel Money and the other wallets we support.

  2. 2

    Enter the number and amount

    The app shows the fee and the total before you go on.

  3. 3

    Confirm with your PIN

    The money goes straight to their mobile money wallet.

What you get when you send to mobile money

  • The wallets people use

    M-Pesa in Kenya, MTN MoMo, Airtel Money and more across 9 countries.

  • Paybill and Till

    Pay bills and shops in Kenya straight from your balance.

  • Fees up front

    Every fee is on our price list and in the app before you confirm.

  • They don't need Payd

    The person you pay gets the money in their own wallet.

  • Your PIN on every payment

    Nothing leaves your account until you approve it.

  • A record for each payment

    See every transfer, with the fee, in your activity.

Mobile money fees

Fees are in the local currency and added to the amount you send.

See the full price list
Kenya, M-Pesa: KES 1 – 1,500
KES 20
Kenya, M-Pesa: KES 1,501 – 10,000
KES 40
Kenya, M-Pesa: KES 10,001 – 50,000
KES 60
Kenya, M-Pesa: KES 50,001 – 150,000
KES 100
Cameroon
1.8%
Malawi
3.2% (min. MWK 150)
Senegal
3.2%
Tanzania: TZS 2,500 – 300,000
2.2% (min. TZS 2,500)
Tanzania: Over TZS 300,000, up to 5,000,000
1.8% (min. TZS 4,000)
Togo
2.25%
Uganda
1.8% (min. UGX 3,000)
Zambia
2.2%

Paybill and Till payments in Kenya have their own fees on the price list. Ghana fees are shown in the app before you confirm.

Where your money can go

Local accounts in the US and Europe, mobile money and banks in 11 African countries, and stablecoins for the rest of the world.

Need another country? Ask us

United States

USD · ACH, Wire

Canada

USD · Wire

Europe

EUR · SEPA

Kenya

KES · M-Pesa, Airtel Money, Bank, Paybill and Till

Uganda

UGX · Mobile money, Bank

Tanzania

TZS · Mobile money, Bank

Nigeria

NGN · Bank

Ghana

GHS · Mobile money, Bank

South Africa

ZAR · Bank (EFT)

Zambia

ZMW · Mobile money, Bank

Malawi

MWK · Mobile money, Bank

Cameroon

XAF · Mobile money

Senegal

XOF · Mobile money

Togo

XOF · Mobile money

Everywhere else

Get paid in USDT or USDC.

Questions

Which countries can I send mobile money to?
Kenya, Uganda, Tanzania, Ghana, Zambia, Malawi, Cameroon, Senegal and Togo. The app shows the networks available in each one.
Does the person I'm paying need a Payd account?
No. The money goes to their mobile money wallet. They only need the phone number registered with that wallet.
Can I withdraw to my own mobile money?
Yes. Use the same flow and enter your own number.
Can I pay a Paybill or Till number?
Yes, in Kenya. Choose Pay in the app and enter the Paybill or Till number.

More from Payd

Send your first mobile money payment

Create a free account, add money and pay any wallet we support.

Create a free accountSee all fees