Egypt Payment Gateway Fee Comparator

An online seller in Cairo signs up with a payment provider expecting one clean fee line on her statement. Instead she gets four, one for cards, one for Vodafone Cash, one for InstaPay transfers, one for Fawry cash collection, each priced differently, none of them matching what she budgeted for. Egyptian checkouts don’t run on a single gateway, they run on a stack, and the fee that actually matters is the blended one across everything your customers choose to pay with.

Cards and Meeza still anchor most online checkouts, but mobile wallets now move close to a trillion Egyptian pounds a quarter, InstaPay has become the default bank-to-bank rail at a fraction of card cost, and Fawry still bridges the roughly one third of Egyptian shoppers without a bank account. Leaving any one of them off checkout has a real, measurable cost in lost sales, not just a fee difference.

Use the free Egypt Payment Gateway Fee Comparator at MetricSuite.tools to enter your actual sales split across these methods and see your true blended fee cost, not just the headline rate one provider quotes you.

Payment method fee ranges verified against published PSP pricing and 2026 Egyptian payments market reporting, last checked August 2026. Full sources below. Rates are commercially negotiated and vary by merchant, volume, and sector, confirm your actual blended rate with your provider.

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Egypt Payment Gateway Fee Comparator

Egyptian checkouts run on a stack, not one gateway. See your true blended fee cost across cards, wallets, InstaPay, and Fawry cash collection.

Share of sales by payment method (%)

Shares should add up to 100%.

Fee rate by method (%)

Paymob publishes 2.75% plus a flat 3 EGP per transaction for local SME sales. The flat fee is not included below, it matters more on small tickets.
Vodafone Cash, Orange Cash, e& Cash. Rates are typically negotiated per merchant, confirm yours.
Consumer-to-consumer InstaPay runs around 0.1%. Merchant acceptance fees are usually higher, confirm with your bank.
Published ranges run 1.5% to 2.5%. Fawry pricing is contract based, confirm your tier.
Read this first. Most Egyptian merchants access this whole payment stack through one PSP or aggregator agreement rather than five separate contracts, and the exact rate depends on your volume, sector, and negotiated terms. The figures here are 2026 published or estimated reference rates for planning purposes, not a quote. Confirm your actual blended rate with your payment provider before making a decision.

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FAQ

Do I need to sign up with five different payment companies?

No. Most Egyptian merchants access this entire stack, cards, Meeza, wallets, InstaPay, and Fawry cash collection, through one PSP or aggregator agreement. Paymob alone enrolled 390,000 merchants in 2025. The decision that actually matters is which methods to switch on, not which company to contract with.

Is it true I legally have to accept digital payments?

If your annual turnover is above EGP 500,000, yes. A June 2024 Central Bank of Egypt directive made digital payment acceptance mandatory above that threshold, cash on delivery alone no longer satisfies the requirement.

Why is InstaPay so much cheaper than cards?

InstaPay moves money directly between bank accounts rather than through a card network, which strips out the interchange and scheme fees that make card processing more expensive. Consumer-to-consumer InstaPay transfers run around 0.1%, though merchant acceptance fees are typically higher, confirm the exact business rate with your bank.

Should I bother with Fawry if most of my customers have bank accounts?

Fawry still converts over 80% of the payment attempts it receives and serves a demographic banks and cards don’t reach well, roughly a third of Egyptian e-commerce payment value still runs through cash on delivery and cash-linked rails like Fawry. Dropping it means dropping a meaningful, price-insensitive slice of your addressable market.

Does Meeza cost less than Visa or Mastercard?

Meeza is Egypt’s domestic card scheme, promoted by the Central Bank specifically to reduce reliance on international schemes, and it generally carries lower interchange than Visa or Mastercard as a result. The exact discount depends on your acquirer’s pricing, confirm it directly.

SOURCES

  1. XPay, “What Payment Methods Do Egyptian Customers Prefer? (2026),” July 2026 (InstaPay 0.1% consumer fee and 16 million users, mobile wallet volume of EGP 943 billion in Q2 2025, Meeza card circulation, cash on delivery share, CBE financial inclusion data) https://xpay.app/blog/payment-methods-egyptian-customers-prefer
  2. Mordor Intelligence, “Egypt Mobile Payments Market Analysis,” 2026 (Paymob and Fawry combined merchant enrollment above 770,000, Paymob’s 390,000 merchants onboarded in 2025, June 2024 CBE digital payment mandate above EGP 500,000 turnover) https://www.mordorintelligence.com/industry-reports/egypt-mobile-payment-market
  3. Inai, “Top 11 Payment Gateways in Egypt that You Need to Know” (Paymob’s published 2.75% plus 3 EGP local SME card rate) https://inai.io/blog/top-11-payment-gateways-in-egypt-that-you-need-to-know
  4. NowPayments, “Best Payment Gateways for Businesses in Egypt in 2026,” March 2026 (Fawry’s published 1.5% to 2.5% fee range, no setup fee structure) https://nowpayments.io/blog/payment-gateway-egypt
  5. Akurateco, “Fawry Payment Method: How it Works in Egypt and Use Cases,” February 2026 (confirms Fawry pricing is commercially negotiated and contract based rather than a fixed public rate) https://akurateco.com/payment-methods/fawry
  6. PayAtlas, “Fawry, Coverage, Adoption & Payment Details” (over 80% transaction conversion rate, average ticket size around EGP 500, monthly transaction volume) https://payatlas.com/payment-method/fawry-5047