Fair Pricing for Everyone
Whether you're a freelancer getting paid or a business making payouts, enjoy the best pricing you can get. First $500 free. Free on Fridays. No monthly charges.
Always Free Services
Essential features for individuals and businesses, completely free forever. No catches, no limits.
Payd to Payd Transfers
Send money instantly between Payd users anywhere in the world, completely free
- Instant transfers 24/7
- No transaction fees ever
- Available in 35+ countries
- For individuals & businesses
- Unlimited transactions
Free Deposits
Add funds to your Payd account from any country at zero cost
- Zero deposit fees
- All countries supported
- Multiple deposit methods
- Instant processing
- No minimum amount
First $500 Free
Every user gets their first $500 in transactions completely free across all services
- Applies to all transaction types
- No time limit to use
- Automatic application
- No hidden conditions
- Start saving from day one
Free Payouts Every Friday!
We call it VIBE SPENDING. Every Friday, all your payments and payouts are completely free. Send money, make payments, do your thing - all at zero cost.
Competitive Rates Globally
Low rates for mobile money and bank payments with caps to protect you on large transactions. Same rates for both collections and payouts.
Mobile Money & Bank Transfer Fees by Region
| Region | Rate | Cap | Details |
|---|---|---|---|
Kenya | 0.5% | KES 200 (~$1.52) | Mobile money & bank transfers |
Nigeria | 0.5% | NGN 2,500 (~$1.56) | Mobile money & bank transfers |
Uganda, Tanzania, Rwanda | 1.0% | $5 | Mobile money & bank transfers |
Rest of Africa | 1.5% | $5 | Mobile money & bank transfers |
LATAM, Asia & Other Regions | 1.5% | $5 | Mobile money & bank transfers (global) |
Kenya
Mobile money & bank transfers
Nigeria
Mobile money & bank transfers
Uganda, Tanzania, Rwanda
Mobile money & bank transfers
Rest of Africa
Mobile money & bank transfers
LATAM, Asia & Other Regions
Mobile money & bank transfers (global)
Additional Payment Methods
More ways to pay and get paid globally. Choose what works best for you.
Virtual Accounts
Create virtual bank accounts for collections with ultra-low fees
- Only 0.2% transaction fee
- Maximum fee capped at $2
- Free account creation
- Free virtual addresses
- Multi-currency support
- For freelancers & businesses
Stablecoin Payments
Send and receive digital dollars (USDT, USDC, cUSD, cKES) with minimal fees
- Only 0.2% transaction fee
- Maximum fee capped at $2
- Support for major stablecoins
- Blockchain security
- Instant settlements
- Perfect for global payments
Card Payments
Accept credit and debit card payments from customers globally
- 1.5% transaction fee
- No cap on transactions
- Fee charged to receiver
- Provider surcharge may apply
- Global card acceptance
- Great for selling online
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
You'll Receive
Remember: First $500 is FREE!
Every new user gets their first $500 in transactions completely free. The fees shown above are the standard rates that will apply after you've used your $500 free credit.
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. Core services like Payd-to-Payd transfers and deposits are completely free.
How does the first $500 free work?
Every new user gets their first $500 in transactions completely free across all payment methods (except cards). This applies to your cumulative transactions and has no time limit. It's our way of helping you get started with zero cost.
What happens on Free Fridays?
Every Friday, all eligible transactions (mobile money, bank transfers, virtual accounts, stablecoins) are completely free. Card transactions are excluded. It's called Vibe Spending - our gift to help you end the week strong!
Do the regional rates apply to both mobile money and bank transfers?
Yes! Our regional pricing (0.5% for Kenya/Nigeria, 1% for Uganda/Tanzania/Rwanda, 1.5% for rest of Africa and global regions) applies to both mobile money and bank payments where supported. Same low rates for collections and payouts.
How do the maximum fee caps work?
Each service has a maximum fee cap to protect you on large transactions. For example, Kenya mobile money/bank is 0.5% capped at KES 200. So even if you're sending $10,000, you'll never pay more than KES 200 (~$1.52).
Can I see fees for both sending and receiving?
Absolutely! Our calculator lets you toggle between sending and receiving scenarios so you can see exactly what you'll pay or receive in both situations. Full transparency, always.
What countries do you support?
We support 35+ countries globally, with specific regional pricing for Kenya, Nigeria, Uganda, Tanzania, Rwanda, competitive rates for the rest of Africa, and global coverage for LATAM, Asia, and other regions.
Ready to Start Saving?
Join thousands of people and businesses already saving with Payd's transparent, fair pricing. Get your first $500 free and start today.