> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://aide.paysika.co/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# PaySika Pricing: Simple, Transparent, and Accessible

Are you looking for a reliable solution to pay online securely without breaking the bank?
Good news: **PaySika is designed to be accessible to everyone**, with clear and affordable fees.
No hidden charges. Everything is transparent.

## 1- Account Opening: 100% Free
Opening a PaySika account costs you nothing.
In just a few minutes via the mobile app, you’re ready to get started — with no registration fees.

## 2- Virtual Bank Cards
### 2.1 XAF Card
* First card: **Free**
* Subsequent cards: **1,800 FCFA**
* Ideal for your everyday online payments
 We cover the cost of your first card to make access easier.

### 2.2 USD Card
* Price: **3,000 FCFA**
* Pre-funding: **$1 (≈ 621 FCFA)**, fully recoverable
* Top-up rate: **630 FCFA / $**
 Perfect for international payments
 **No additional fees when making payments**

### 2.3 Physical Card (Coming Soon)
A VISA card that allows you to:
* Pay in stores
* Withdraw cash from ATMs
 Pricing will be announced upon release.

## 3- Deposits: Simple and Often Free
### ✔️ XAF Card
* Deposits: **Free**
### ✔️ USD Card
* Fees: **2.5%**
### Available methods:
* Mobile Money (OM / MTN) → **Free**
* Bank deposit → **Free**
* PaySika transfer → **Free**
* Visa Direct → **500 FCFA**

## 4- Withdrawals and Transfers
### To Mobile Money (XAF)
* **2.5% + 120 FCFA**
* Minimum withdrawal: **600 FCFA**
### Between PaySika accounts
* **Free**
### USD Withdrawal
* Rate: **598 FCFA / $**

## 5- Online Payments
### XAF Card
* **1.79% (VAT included)**
* partner fees:
* Less than 16,000 FCFA → **500 FCFA**
* 16,000 FCFA and above → **350 FCFA**
Additional fees may apply depending on the platform.

### USD Card
* Cross-border fees may apply if the payment is made in a currency other than U.S. dollars and outside the United States.

## 6- International Transfers
* **3.5%** (Revolut, MoneyGram, Remitly…)

## Why Choose PaySika?
* Transparent pricing
* No hidden fees
* Maximum accessibility
* Secure payments
Unlike traditional banks, you always know **what you’re paying and why**.


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