2.7% per successful charge. 0.50 ZMW minimum fee. Failed charges and refunds cost you nothing. Same rate across MTN, Airtel, and Zamtel as we roll them out.
Same rate across MTN, Airtel, and Zamtel. Failed charges and refunds are free. No setup fees, no monthly minimums.
Funds in your bank account three business days after a successful charge. Conservative timing protects against late MNO reversals — and keeps reconciliation honest.
Available after a 30-day clean operating history. Minimum payout 1,000 ZMW. Capped at 50% of rolling-30-day volume per day.
| Charge amount | Senda fee | Effective rate |
|---|---|---|
| ZMW 5 | ZMW 0.50 | 10% |
| ZMW 10 | ZMW 0.50 | 5% |
| ZMW 19 | ZMW 0.51 | 2.7% |
| ZMW 50 | ZMW 1.35 | 2.7% |
| ZMW 200 | ZMW 5.40 | 2.7% |
| ZMW 1,000 | ZMW 27.00 | 2.7% |
| ZMW 10,000 | ZMW 270.00 | 2.7% |
Drag the sliders to model your monthly volume and average charge size.
Per-charge math: ZMW 4.05 × 333 charges. Estimates only — actual results depend on charge mix and provider behavior. Volume above ZMW 500K/mo? Talk to sales.
And what we're honest about not having yet. Mobile money first, the rest as we earn it.
If MTN, Airtel, or Zamtel materially change what they charge Senda per transaction, the rate is reviewed.
If you're processing real volume, you can negotiate. Self-serve stays at 2.7%; talk to sales above 500K ZMW/mo.
If observed costs make Senda lose money on the average charge, we revisit before the math forces our hand.
Existing merchants get 90 days' notice before any rate change. No silent updates buried in a ToS revision.
Microtransactions, instant payouts, settlement timing — happy to walk through it.
