Effective December 2025
About This Schedule
These fees and charges are applicable to MVEND services. All fees are in Rwandan Francs (RWF). VAT and other applicable taxes apply where required by law.
Gwiza Wallet Services
For merchants and businesses accepting payments via Gwiza Wallet platform:
Payment Acceptance from Customers
When a customer pays a merchant via MTN MoMo, bank transfer, or other external payment method:
| Transaction Amount | Fee Rate | Who Pays |
| Below RWF 4,000 | 0% | Merchant |
| RWF 4,000 – RWF 10,000 | 0.40% | Merchant |
| Above RWF 10,000 | 0.50% | Merchant |
Wallet Top-up (Funding Your Wallet)
| Type of Top-up | Fee |
| Self-funded top-up | RWF 0 |
| Bank teller deposit | RWF 0 |
| MTN MoMo top-up | RWF 0 |
| Airtel Money top-up | RWF 0 |
Wallet Withdrawal to External Account
When withdrawing from your Gwiza Wallet to a bank account, MoMo wallet, or agent location:
Fee: RWF 250 per withdrawal (flat fee)
B2B Collections & Disbursements
For PayTV providers, merchant aggregators, billers, and B2B clients:
Collections Fee (Inbound Payments)
When you collect payments from customers, a collection fee is deducted from the gross transaction amount before net proceeds are credited to your account.
Your applicable collection fee rate is confirmed in your signed Service Agreement. The specific rate is determined based on your agreement terms.
Disbursement / Payout Fee (Outbound Payments)
When requesting a disbursement to your bank account or to agents/customers:
Fee: RWF 250 per disbursement transaction
Transparency & Fee Disputes
How We Communicate Fee Changes
MVEND provides advance notice when introducing new fees or changing existing ones:
| Type of Change | Notice Period |
| New fee | 30 calendar days |
| Fee increase | 30 calendar days |
| Fee decrease or removal | 5 business days |
Right to Cancel Service
If you do not accept a proposed fee increase, you have the right to terminate your service without penalty by notifying MVEND in writing within 20 calendar days. Your remaining balance can be withdrawn without charge.
Fee Disputes & Corrections
If you believe an incorrect fee has been applied, you can raise a dispute:
How to Raise a Dispute:
• Hotline: 7378
• Email: info@mvendgroup.com