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: 621 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: 596 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
- ✅ No additional fees
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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Updated on: 24/04/2026
Thank you!