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Updated September 28, 2026 · VaultCue Editorial Team

Pagar.co.mz vs Skrill

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

Skrill

Higher score in this comparison

9.0/10
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Pagar.co.mz

Pagar.co.mz

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Where Pagar.co.mz and Skrill differ

Pagar.co.mz vs Skrill
ComparePagar.co.mzPagar.co.mzReviewSee alternativesSee alternativesSkrillSkrillReviewVisitVisit
Transfer fee5% on withdrawal (Produtos digitais); 8% on money out (Pagar API)Skrill to Skrill 2.99% (min EUR 0.50); Skrill Money Transfer by bank transfer zero fees; international transfer up to 4.99% incl. exchange rate mark-up
Delivery timeUp to 3 minutes for operator confirmation, then automatic delivery24 - 72 hours
Payout methodsWalletBank, Card, WalletCovers more
Fee to send 1,000MZN 80€0
Exchange rate markupNot confirmed4.99%
Licence typeNot confirmedE money
CurrenciesNot confirmed47

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

  • Skrill is available in 3 more countries.
  • Payout methods: only Skrill offers Bank, 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

Skrill

Skrill suits expats, travellers and businesses who want many currencies and no monthly charge, with the monthly fee at €0 and 47 currencies. The trade-off is the pace and cost of moving money: international transfers land in 24 - 72 hours and conversion costs 3.99% on top.

Read the full Skrill review

Score breakdown

Pagar.co.mz vs Skrill
AreaPagar.co.mzSkrill
CostNot confirmed8.7Cost is the weak side: 3.99% to convert, a fee set on the amount sent for transfers, and a mark-up of 4.99% on international ones.
OfferNot confirmed9.6Offer is strong: 47 currencies, EU deposit protection of EU DGS up to EUR 100,000 and support on help centre, email and phone.
TrustNot confirmed8.9

How they place

Pagar.co.mz vs Skrill
RankingPagar.co.mzSkrill
Money transfer services1151 of 15644 of 1564

Licences and countries

Pagar.co.mz vs Skrill
CountryPagar.co.mzSkrill
IrelandNot confirmed
IE_CBI PSD_EMI IE_CBI!C184986
United KingdomNot confirmed
United StatesNot confirmed

Additional countries for Pagar.co.mz: 1. Additional countries for Skrill: 4.

Where these facts come from

Pagar.co.mz

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

Skrill

  • skrill.com: 8 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 3 facts, checked September 26, 2026

Every fact side by side

Pagar.co.mz vs Skrill
FactPagar.co.mzSkrill
Legal entityNot confirmedPaysafe Payment Solutions Limited
HeadquartersMozambiqueIreland
FoundedNot confirmed2001
Support channelsEmail, Chat, Phone, Help centre, CommunityCovers moreHelp centre, Email, Phone

Where each stands against the rest

Pagar.co.mz vs Skrill
FactPagar.co.mzSkrillMedian
Exchange rate markupNot confirmed4.99%highest quarter0.64%
CurrenciesNot confirmed47highest 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.

Skrill

Pros

  • The monthly fee is €0, the same as Starling Personal Account Debit Card at £0, so the wallet costs nothing to keep open.
  • The stated audience covers expats, travelers and business, so expats, travellers and businesses are the groups the service is built around.
  • 47 currencies sit in one wallet, well above the site median of 5.

Cons

  • Currency conversion costs 3.99%, against 0% at AXI Card Tarjeta y Credito and 0.5% at XTB.
  • An exchange rate mark-up of 4.99% can be added to international transfers on top of the fee.
  • The currency conversion fee ranking puts it at 297 out of 312, so exchange is the weak spot.

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.

Skrill

Who it suits

  • Expats and travellers who need to hold and send money in several currencies, with 47 available.
  • Businesses paying suppliers abroad that want no monthly charge, since the monthly fee is €0.
  • People who want help on a stuck transfer, since support covers help centre, email and phone.

Who should look elsewhere

  • Readers who convert money often, since AXI Card Tarjeta y Credito charges 0% to convert against 3.99% here.
  • People hunting for the lowest exchange cost, who would find XTB's 0.5% conversion fee easier to weigh.

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

Skrill

Current offer

  • Bonus

    Final Score: Up to EUR 10,000 every week

    6 matches, 6 predictions; free to play; get all 6 right to win EUR 10,000; log in or register; T&Cs apply

    Source, checked September 26, 2026

Country by country

Pagar.co.mz vs Skrill
CountryPagar.co.mzSkrill
BrazilNoYes
IrelandNoYes
MozambiqueYesNo
United KingdomNoYes
United StatesNoYes

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.

Skrill

How much does it cost to keep a Skrill account?+

The monthly fee is €0 and the account is sold as no monthly fee, so holding the wallet costs nothing each month. A bank transfer through Skrill Money Transfer is free, while a transfer to another Skrill wallet takes a fee set on the amount sent and an international transfer can cost more.

What does it cost to change currency?+

Converting between currencies costs 3.99%, and an exchange rate mark-up of 4.99% can apply on international transfers on top. AXI Card Tarjeta y Credito lists 0% for conversion and XTB lists 0.5%, so a wallet holding a single currency costs far less to change.

Other options to compare

Skrill

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Pagar.co.mz

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