Deposits
Cash in at any agent, or push in from your bank or mobile wallet.
MK 0
Pricing
Free in. Free between friends.
Fair on the way out.
Deposits and Payscan-to-Payscan transfers cost nothing. Everything else is a small, published fee, shown in full before you confirm. No hidden charges, no fine print.
- Deposits are free
- Payscan-to-Payscan is free
- Every fee shown before you confirm
The everyday stuff
Free where it counts.
Getting money onto Payscan, and sending it to anyone else on Payscan, never costs you anything.
Payscan to Payscan
Send to anyone on Payscan, large or small, and they get every kwacha.
MK 0
Pay a business
Scan a QR or pay by USSD. Nothing added at checkout.
MK 0
Sending to other wallets & banks
Transfers to Airtel Money, TNM Mpamba or a bank account route through the National Payments Switch. Each transfer carries the Payscan service fee plus a flat MWK 172 switch routing charge, shown separately so you always see exactly what you're paying for.
| Amount (MWK) | Payscan fee | Routing charge | Total |
|---|---|---|---|
| 100 – 4,999 | 200 | 172 | 372 |
| 5,000 – 9,999 | 280 | 172 | 452 |
| 10,000 – 19,999 | 450 | 172 | 622 |
| 20,000 – 29,999 | 630 | 172 | 802 |
| 30,000 – 49,999 | 880 | 172 | 1,052 |
| 50,000 – 99,999 | 1,380 | 172 | 1,552 |
| 100,000 – 199,999 | 2,080 | 172 | 2,252 |
| 200,000 – 399,999 | 3,430 | 172 | 3,602 |
| 400,000 – 750,000 | 5,830 | 172 | 6,002 |
| 750,001 – 1,000,000 | 8,500 | 172 | 8,672 |
External-wallet transfers above MWK 1,000,000 aren't available yet. Bank transfers cost 0.5% of the amount (MWK 150 minimum) plus the MWK 172 routing charge, and land in the recipient's account the next business day.
Cashing out
Withdraw cash at any Payscan agent. The fee scales with the amount, and is always shown before you confirm.
| Amount (MWK) | Payscan fee (MWK) |
|---|---|
| 50 – 999 | 40 |
| 1,000 – 2,499 | 85 |
| 2,500 – 4,999 | 170 |
| 5,000 – 9,999 | 340 |
| 10,000 – 19,999 | 640 |
| 20,000 – 29,999 | 935 |
| 30,000 – 49,999 | 1,360 |
| 50,000 – 99,999 | 2,210 |
| 100,000 – 199,999 | 3,400 |
| 200,000 – 399,999 | 5,700 |
| 400,000 – 499,999 | 9,800 |
| 500,000 – 750,950 | 10,200 |
| 750,951 – 1,000,000 | 13,600 |
For your business
Free to accept, for your first three months.
Your customers already pay nothing to pay you, however they pay. Here's what it costs you to get paid.
First 3 months
0% on every payment.
No setup cost, no commitment. Get a QR code, signage and a merchant dashboard for free, and keep everything you take in.
- Free QR code & signage
- Free merchant dashboard
- Money lands in your wallet in seconds
After the promo
1.0% per payment.
A flat 1.0% on completed payments (MWK 10 minimum), only when you get paid. Your customers pay nothing extra to pay you.
- No fee on failed or refunded payments
- Smaller merchants may qualify to stay at 0%
- Switch off any time, no lock-in
However works for you
QR code
For your shop, stall or salon.
Payment links
Share on WhatsApp or SMS.
Hosted checkout & API
For online sales.
Recurring payments
School fees, rent, memberships.
Want to accept Payscan at your business? Talk to our merchant team
Coming later
Spend at merchants, earn free cash-outs.
Once enough everyday spending happens at Payscan merchants, paying digitally will start paying you back. This isn't switched on yet, we'll activate it as our merchant network grows.
Active
MWK 75,000+ at Payscan merchants in a month
1 free cash-out the following month
Power
MWK 300,000+ at Payscan merchants in a month
2 free cash-outs the following month
Taxes & levies
Government transfer levy
A 0.05% levy applies to covered transfers above MWK 100,000, and is remitted directly to the Malawi Revenue Authority.
VAT
17.5% VAT may apply to Payscan's own service fee, never to the amount you send, and only once Payscan is VAT-registered in Malawi.
Whatever applies, it's calculated and shown as part of your total before you confirm any payment. No surprise deductions afterwards.
Launching soon
Be first in line.
Payscan is coming to iOS and Android. Join the waitlist and we'll let you know the moment it goes live.