Transparent fees

Two models. No surprises.

Choose Wallet to start fast with a per-transaction fee, or direct settlement if funds must land in your company accounts at the gateways.

Wallet mode Direct settlement Talk to sales

Transparent fees

Compare models

The checkout and API are the same — what changes is how you pay Payzeno and where money goes.

Default mode

Wallet

Per-transaction fee

Only on confirmed payments

Withdrawal

No monthly fee or activation charge
No cost for API, webhooks or hosted checkout
Net balance visible in the dashboard in real time
Ideal for SMEs, e-commerce and freelancers

Pay when you get paid Create free account →

Infrastructure only

Direct settlement

Monthly fee

Negotiable

Platform + previous month usage

Per operation

% or tiers

Funds go to your company accounts at the gateways
Per-transaction fee — percentage or fixed tiers (e.g. 20 MT up to 1 000 MT)
Automatic monthly PDF invoice by email
Ideal for businesses and institutions with own credentials

Custom fees Request proposal →

Not sure which to choose? Compare settlement modes or talk to us.

Transparent fees

Practical examples

See how fees apply in each model.

Wallet

A customer pays 1 000 MZN in your store:

Payment confirmed

1 000 MZN

Payzeno fee (7%)

− 70 MZN

Available balance

930 MZN

Withdrawal

930 MZN 0% fee

Direct settlement

Example monthly invoice (illustrative amounts):

Platform monthly fee 5 000 MZN

Transaction fees (624 ops × tiers) 12 480 MZN

Total invoice June 2026 17 480 MZN

The customer paid directly into your M-Pesa / EMIS accounts — Payzeno invoices only the infrastructure.

Fee comparison

	Wallet	Direct settlement
Monthly fee	No — 0 MZN	Yes — negotiated amount
Per-transaction fee	7% per confirmed payment	% or fixed tiers (negotiable)
Withdrawals	0% commission	Not applicable (no wallet)
When you pay	Deducted on each payment	Monthly invoice (previous month)
Fund destination	Payzeno Wallet	Your company accounts at gateways
How to activate	Free online signup	Commercial proposal + credentials

Wallet — what we charge

7% on each confirmed payment (M-Pesa, e-Mola, card, etc.)
Automatic deduction — see net amount in the dashboard in real time
Same fee for hosted checkout and direct API

Wallet — what we do not charge

0% on balance withdrawals
No monthly fee or subscription
No fee for failed attempts or expired payments
No extra cost for webhooks or status queries

Fee questions?

When is the 7% Wallet fee applied?

Only when the payment is confirmed. Pending, cancelled or expired payments do not incur commission.

Are Wallet withdrawals really free?

Yes. There is no percentage or fixed fee on withdrawals. Request available balance and receive the full amount.

How do fees work in direct settlement?

We combine a fixed monthly fee + fees per paid operation. This can be a percentage or fixed tiers by amount (e.g. 20 MT up to 1 000 MT, 50 MT up to 10 000 MT). Everything is documented on the monthly PDF invoice.

Can I switch from Wallet to direct settlement?

Yes. The Payzeno team configures mode, gateway credentials and fees on your account. Contact us to migrate without checkout interruption.

Are there gateway fees (M-Pesa, e-Mola)?

The Payzeno fee is the platform commission. Payment operators may have their own costs under your contract with them — especially relevant in direct settlement, where you use own accounts.

Start with Wallet

Free signup. 7% per transaction, 0% withdrawal.

Create free account

Direct settlement

Custom proposal with monthly fee and negotiated fees.

Request proposal