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Updated September 28, 2026 · VaultCue Editorial Team

Pagar.co.mz vs Paysera

Two accounts side by side: recorded fees, markets, regulation and platforms for Pagar.co.mz and Paysera, from the same records as each review.
Pagar.co.mz

Pagar.co.mz

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Paysera

Paysera

Higher score in this comparison

9.1/10
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What sets them apart

Pagar.co.mz vs Paysera
ComparePagar.co.mzPagar.co.mzReviewSee alternativesSee alternativesPayseraPayseraReviewSee alternativesSee alternatives
Transfer fee5% on withdrawal (Produtos digitais); 8% on money out (Pagar API)SEPA/SEPA Instant: 30 free per month, then 0.30 EUR per transfer (private client)
Delivery timeUp to 3 minutes for operator confirmation, then automatic deliveryImmediately in EUR within Paysera network and SEPA; USD from 1 hour up to 1 business day; GBP 1 to 3 business days
Payout methodsWalletBank, Cash pickup, Card
Fee to send 1,000MZN 80€0
Licence typeNot confirmedE money
CurrenciesNot confirmed30

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

  • Paysera is available in 83 more countries.
  • Payout methods: only Pagar.co.mz offers Wallet.
  • Payout methods: only Paysera offers Bank, Cash pickup, Card.
  • Support channels: only Pagar.co.mz offers Chat, Community.

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.

Read the full Pagar.co.mz review

Paysera

Paysera suits businesses holding several currencies and settling in euro. Fees are €0 a month, the rate is variable, and balances sit under EU DGS up to EUR 100,000.

Read the full Paysera review

Score breakdown

Pagar.co.mz vs Paysera
AreaPagar.co.mzPaysera
CostNot confirmed9.1Monthly fee is €0 and transfers in other currencies carry €0, with a variable rate.
OfferNot confirmed9.1

Where they rank in our lists

Pagar.co.mz vs Paysera
RankingPagar.co.mzPaysera
Money transfer services1151 of 1564220 of 1564

Availability and regulation

Pagar.co.mz vs Paysera
CountryPagar.co.mzPaysera
LithuaniaNot confirmed
LT_BL PSD_EMI LT_LT_BL_300060819

Additional countries for Pagar.co.mz: 1. Additional countries for Paysera: 84.

Where these facts come from

Pagar.co.mz

  • pagar.co.mz: 6 facts, checked September 26, 2026

Paysera

  • paysera.lv: 5 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 3 facts, checked September 26, 2026
  • paysera.com: 1 fact, checked September 26, 2026

Every fact side by side

Pagar.co.mz vs Paysera
FactPagar.co.mzPaysera
Legal entityNot confirmed"Paysera LT", UAB
HeadquartersMozambiqueLithuania
Support channelsEmail, Chat, Phone, Help centre, CommunityCovers morePhone, Email, Help centre

Everyday accounts

Pagar.co.mz vs Paysera
FactPagar.co.mzPaysera
Monthly feeNot confirmed€0
Deposit protectionNot confirmedEU DGS up to EUR 100,000
AudienceNot confirmedBusiness
Pricing modelNot confirmedNo monthly fee
FeaturesNot confirmedDigital only
Local account detailsNot confirmedIBAN

Where each stands against the rest

Pagar.co.mz vs Paysera
FactPagar.co.mzPayseraMedian
CurrenciesNot confirmed30highest quarter6

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.

Paysera

Pros

  • Account administration is free, with a monthly charge only after a long stretch with no login or payment
  • Balances are covered by EU DGS up to EUR 100,000 under the EU deposit guarantee
  • 30 currencies with iban for receiving payments

Cons

  • The rate is variable, so the return on balances can change
  • Transfers in other currencies carry €0 and can take longer than euro ones
  • The account is digital only, so everything runs through the app

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.

Paysera

Who it suits

  • Businesses that invoice in several currencies and settle in euro
  • Firms paying suppliers abroad through SEPA transfers
  • Anyone who wants a euro IBAN with no monthly charge

Who should look elsewhere

  • AXI Card Tarjeta y Credito, whose rate is fixed and suits card users rather than multi-currency holders
  • Plazo ES, whose rate is fixed for a fixed term rather than easy access
  • XTB, whose FSCS up to GBP 85,000 sits under a different scheme

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

Pagar.co.mz vs Paysera
CountryPagar.co.mzPaysera
AlbaniaNoYes
AlgeriaNoYes
ArgentinaNoYes
ArmeniaNoYes
AustraliaNoYes
AustriaNoYes
AzerbaijanNoYes
BahrainNoYes

8 of 85 countries where either is available.

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.

Paysera

How much does a Paysera account cost each month?+

Account administration is free, and the monthly fee is €0. A charge applies only after a full year with no login or payment, so a quiet account is not billed for the first stretch. There is also a fee per transfer once the free allowance is used up.

What happens to my money if Paysera fails?+

Eligible balances are covered by EU DGS up to EUR 100,000, which is paid by the national deposit guarantee scheme. The licence behind the account is PSD_EMI LT_LT_BL_300060819. Balances held above the guarantee limit sit outside that cover, so larger sums may be worth keeping elsewhere.

Other options to compare

Pagar.co.mz

See alternatives

Paysera

See alternatives