Simple, Transparent
Fee Structure
No hidden charges. No monthly subscriptions. No setup costs. Just pay for what you use — simple tiered pricing on payouts and withdrawals. Collections are always free.
Three Ways to Move Money
ObPay gives you everything you need to manage business payments — collect from customers, send money to anyone, and withdraw to your own mobile wallet. Each is simple and transparent.
Collect Payments
Collect money from your customers via mobile money or bank transfer. You receive the full amount — no deductions, no hidden charges.
Send Payout
Send money to anyone — employees, suppliers, or partners. The recipient gets the full amount you specify. You pay a small flat fee.
Withdraw to Mobile
Move your ObPay balance to your personal Airtel or MTN mobile wallet whenever you need it. Fast and straightforward.
Every Fee, Explained
No surprises. No asterisks. Here is exactly what ObPay charges for each type of transaction.
| Transaction Type | Who Pays the Fee | Fee Amount | Min Amount |
|---|---|---|---|
Collect Payment | Merchant | Free | 500 UGX |
Send Payout | Sender (Merchant) | See tiers500–70K: 2K / 70K+–5M: 3% | 500 UGX |
Withdraw to Mobile | Merchant | See tiers500–70K: 2K / 70K+–5M: 3% | 500 UGX |
Payout Example (Small Amount)
Withdrawal Example (Large Amount)
No Hidden Fees, Ever
We built ObPay because we were tired of payment platforms with confusing pricing. Here is what you will never pay for.
Works With Your Network
ObPay connects to the mobile money networks your customers and business already use.
Airtel Money
Collect, send, and withdraw to Airtel mobile wallets across Uganda.
MTN Mobile Money
Collect, send, and withdraw to MTN mobile wallets across Uganda.
Frequently Asked Questions
Got questions about ObPay fees and how payments work? We have answers.
What are ObPay collection fees?
ObPay does not charge merchants a fee to collect payments from customers. You receive the full amount your customer sends. There are no hidden fees or deductions on collections — what the customer pays is what lands in your ObPay wallet.
How much does it cost to send a payout through ObPay?
Sending a payout uses simple tiered pricing. For amounts between 500 and 70,000 UGX, the fee is a flat 2,000 UGX. For amounts between 70,001 and 5,000,000 UGX, the fee is 3% of the amount. The recipient receives the full amount you specify — the fee is billed to your ObPay wallet separately.
What is the withdrawal fee on ObPay?
Withdrawals use the same tiered pricing as payouts. For amounts between 500 and 70,000 UGX, you pay a flat 2,000 UGX. For amounts between 70,001 and 5,000,000 UGX, the fee is 3%. For example, withdrawing 50,000 UGX costs 2,000 UGX (you receive 48,000 UGX), while withdrawing 200,000 UGX costs 6,000 UGX (you receive 194,000 UGX).
Is there a minimum amount for collections or payouts?
Yes. The minimum amount for both collections and payouts is 500 UGX. Transactions below this threshold cannot be processed through the platform.
Are there any monthly fees, subscription costs, or setup charges?
No. ObPay has zero setup fees, zero monthly charges, and zero subscription costs. You only pay when you use the platform — tiered pricing on payouts and withdrawals: 2,000 UGX flat for amounts 500–70,000 UGX, and 3% for amounts 70,001–5M UGX. Collections are always free. There are no contracts, no commitments, and no surprises.
Does ObPay support both Airtel Money and MTN Mobile Money?
Yes. ObPay fully supports both Airtel Money and MTN Mobile Money across Uganda. You can collect payments from customers on either network, send payouts to recipients on either network, and withdraw your funds to either Airtel or MTN mobile wallets.
Can I use ObPay for my business without writing code?
Absolutely. ObPay provides a full-featured web dashboard where you can manage collections, send payouts, withdraw funds, create payment links, and view transaction history — all without writing a single line of code. For developers, we also provide a comprehensive API.
How fast are withdrawals processed?
Withdrawals to your mobile wallet are processed immediately. Once you confirm the withdrawal from your dashboard, the funds are sent and should arrive on your mobile money account within a few minutes. Network delays may occasionally extend this, but it is typically near-instant.
Ready to Start Accepting Payments?
Create your free ObPay account today. No setup fees, no monthly charges — just straightforward mobile money payments for your business.