Updated September 28, 2026 · VaultCue Editorial Team
Pagar.co.mz vs PayPal Kenya
Pagar.co.mz
PayPal Kenya
Higher score in this comparison
Where Pagar.co.mz and PayPal Kenya differ
| Compare | Pagar.co.mzReviewSee alternativesSee alternatives | PayPal KenyaReviewSee alternativesSee alternatives |
|---|---|---|
| Transfer fee | 5% on withdrawal (Produtos digitais); 8% on money out (Pagar API) | 4.99 USD per international personal transfer from PayPal balance or bank account; 4.99 USD + 3.4% + fixed fee if funded by card; free for domestic transfers |
| Delivery time | Up to 3 minutes for operator confirmation, then automatic delivery | In just a few minutes |
| Payout methods | Wallet | Bank, WalletCovers more |
| Fee to send 1,000 | MZN 80 | $4.99 |
| Exchange rate markup | Not confirmed | 3% to 4% |
| Currencies | Not confirmed | 25 |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Payout methods: only PayPal Kenya offers Bank.
- Support channels: only Pagar.co.mz offers Email, Chat, Phone.
Our verdict on each
Pagar.co.mz
Pagar.co.mz suits businesses and sellers of digital products who want a fast payout to a wallet and a fee they can plan around. The transfer fee of MZN 80 is a set amount, delivery follows operator confirmation, and support runs across email, chat and phone.
PayPal Kenya
PayPal Kenya suits people who already hold a balance and want money to land In just a few minutes in a bank account or wallet. Costs are the weaker side: an exchange rate margin of 3% to 4% and a card surcharge on $4.99 per international transfer limit its use abroad.
Score breakdown
| Area | Pagar.co.mz | PayPal Kenya |
|---|---|---|
| Cost | Not confirmed | 8.5Exchange rate margin of 3% to 4% sits above the market median of 0.9%, and card funding stacks a percentage on $4.99. |
| Offer | Not confirmed | 8.7Money reaches the recipient In just a few minutes and lands in a bank and wallet account, across 25 currencies. |
| Trust | Not confirmed | 9.6 |
Positions in our rankings
| Ranking | Pagar.co.mz | PayPal Kenya |
|---|---|---|
| Money transfer services | 1151 of 1564 | 265 of 1564 |
Sources behind this comparison
Pagar.co.mz
- pagar.co.mz: 6 facts, checked September 26, 2026
PayPal Kenya
- paypal.com: 7 facts, checked September 26, 2026
- en.wikipedia.org: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | Pagar.co.mz | PayPal Kenya |
|---|---|---|
| Legal entity | Not confirmed | PayPal Pte. Ltd. |
| Headquarters | Mozambique | United States |
| Founded | Not confirmed | 1998 |
| Support channels | Email, Chat, Phone, Help centre, CommunityCovers more | Help centre |
Where each stands against the rest
| Fact | Pagar.co.mz | PayPal Kenya | Median |
|---|---|---|---|
| Exchange rate markup | Not confirmed | 3% to 4%highest quarter | 0.64 |
| Currencies | Not confirmed | 25highest quarter | 6 |
Median across 497 listed accounts.
Pros and cons
Pagar.co.mz
Pros
- Delivery is quick: an operator confirms and the payout then runs automatically.
- A set transfer fee of MZN 80 makes the cost of a send easy to plan.
- Support spans email, chat and phone, so help is close to hand on more than one channel.
Cons
- Payouts go to a wallet only (wallet), so a bank credit is not part of the setup.
- Fees shift with the route: the transfer fee of MZN 80 sits with a share of the amount on digital product withdrawals and a separate charge on money out through the Pagar API.
- The operation is centred on MZ, so it offers little for people sending from other markets.
PayPal Kenya
Pros
- Money arrives In just a few minutes, so a send rarely holds up a payment.
- Payouts land in a bank account or a wallet, the two options under bank and wallet.
- Covers 25 currencies, above the 5 median across the services on the site.
Cons
- Card funding adds a percentage plus a fixed fee on top of $4.99 for the same international transfer.
- The exchange rate margin of 3% to 4% sits well above the 0.9% median across the market, so cross-border amounts land lighter than sent.
- Support runs on help centre only, with no phone or live chat route listed for a stuck payment.
Who each suits
Pagar.co.mz
Who it suits
- Businesses and sellers of digital products in MZ who need a predictable fee of MZN 80.
- Teams that want help across email, chat and phone without hunting for the right channel.
- People happy to be paid into a wallet (wallet) once the operator confirms.
Who should look elsewhere
- Anyone who needs a bank payout, since Pagar.co.mz pays out to a wallet only (wallet); Skrill is built around other payout routes.
- Euro senders paying SEPA accounts, who get no charge on Paysera while Pagar.co.mz charges MZN 80.
- People funding straight from a balance or linked bank account, which PayPal Colombia does with no fee.
PayPal Kenya
Who it suits
- People already holding a PayPal balance who value speed over the sharpest exchange rate, since money arrives In just a few minutes.
- Anyone whose recipient can take payment into a bank account or a wallet, as bank and wallet sets out.
- Households sending money within Kenya, where the transfer fee is free on domestic transfers.
Who should look elsewhere
- PayPal Colombia, where the transfer fee from a balance or a linked bank account is a percentage, so the fixed $4.99 here is easier to budget.
- Skrill, whose bank transfers carry no transfer charge and whose card funding runs at a percentage, which suits card funded sends better.
- Paysera, where euro transfers to SEPA and Paysera users are free and other currency routes carry listed charges.
Current offers
Pagar.co.mz
Current offer
Bonus
Product registration free during the promotion (Produtos digitais): Product listing/registration free (no publication fee) during the promotion
Applies to the Produtos digitais product; terms say the publication fee covers product validation and is non-refundable when active
Source, checked September 26, 2026
Country by country
| Country | Pagar.co.mz | PayPal Kenya |
|---|---|---|
| Kenya | No | Yes |
| Mozambique | Yes | No |
Questions about each
Pagar.co.mz
How much does Pagar.co.mz cost to send money?+
The transfer fee is MZN 80, a set amount rather than a share of what you send. Digital product withdrawals also take a share of the amount withdrawn, and money out through the Pagar API carries its own charge, so the route you pick changes the cost.
How fast does Pagar.co.mz deliver money?+
An operator confirms first, which takes up to a few minutes, then delivery is automatic. The money lands in a wallet (wallet), so the speed applies to the payout step rather than a cash collection or a bank credit.
PayPal Kenya
What does PayPal Kenya charge to send money abroad?+
An international personal transfer from a PayPal balance or a linked bank account costs $4.99. Funding the same payment with a card adds a percentage plus a fixed fee on top of that amount, so card funding is the costlier route. Transfers that stay within Kenya are free under the same fee schedule.
What is the exchange rate margin on PayPal Kenya?+
The exchange rate margin is 3% to 4%, taken on the amount being converted. The median margin across the services on the site is 0.9%, so the margin here is wide and applies on every cross-currency send, on top of any transfer fee.
Other options to compare
Other matchups
Other rankings
Pagar.co.mz
PayPal Kenya