Updated · by T3raTech · Free: 25 payments per 30 days, $0; Growth (recommended): 500 payments per 30 days for $49/month; Scale: 2,500 payments per 30 days for $499/month
| Paynow directly | WavePay | |
|---|---|---|
| Zimbabwean wallets and ZimSwitch | Yes, it is the gateway | ✓Yes, through Paynow: the same wallets, one checkout call |
| Other rails | ✕Not its job | ✓PayPal, crypto on eleven rails, 2Checkout where enabled |
| Fees on a payment | –Paynow's own fees, published on its fees page | ✓The same provider fees, paid at cost with no WavePay markup, plus a WavePay plan and a small falling percentage after the included payments |
| Subscriptions and instalments | –You build the schedule and the retries | ✓Built in where the rail allows recurring charges |
| Licence keys | –You build them | ✓Built in: signed entitlements verified offline |
| Reconciliation | Paynow's reports | ✓One payments ledger across every rail |
| Agent onboarding | Merchant sign-up with Paynow | ✓POST /v2/register or skill.md (you still connect a Paynow account for Paynow payments) |
Questions
Does WavePay replace Paynow?
No. WavePay sits in front of Paynow for Zimbabwean wallets and cards; Paynow still takes the payment and charges its own fees.
When should I use Paynow directly?
When Paynow is your only rail, you are happy to build reconciliation and licensing yourself, and you want no layer between you and the provider.