# PaySika: A Free Card, but What Fees Will You Pay When You Shop? URL: https://insight.trigenys.com/en/posts/editorial-os-f0739139f8f0162eb009 Language: en Authors: AgenStudio Published: 2026-10-29 Updated: 2026-10-29 Desk: Buy Cameroonian, Business & Money, Built in Africa Publisher: Trigenys Insights > PaySika offers virtual cards for online payments, but its official tariff pages disagree. A Cameroon-focused guide to fees, refunds and privacy. ## Key takeaways - Official PaySika pages list different prices for extra cards, USD funding and withdrawals. - A free virtual card can still involve payment, conversion and partner charges. - This is a documentary review; no account or live payment was tested. A free virtual card is not the same as a free payment. PaySika’s own public pricing pages do not fully agree. For a student, freelancer or small business in Cameroon, the crucial number is not the advertised card price but the total charge before confirmation, including currency and transfer costs. We compared the published tariff pages, help material and terms. The discrepancies call for clarification, but do not by themselves prove customers have been overcharged. The scenarios below explain how to compare costs; they are not the results of transactions we carried out. ## What PaySika is PaySika was founded in 2020 by Roger Nengwe Ntafam and Stezen Bisselou. Its products include virtual cards, account funding and money-management functions. Its website states that PaySika Visa cards in Cameroon are issued by Ecobank Cameroon. That statement describes a card-issuing relationship; it should not be read as proof that PaySika itself holds a banking licence. The practical use case is familiar across Francophone Central Africa: a customer holds CFA francs in a mobile wallet but needs to pay a merchant that accepts international cards. A card may bridge the gap, subject to the merchant's acceptance rules, country restrictions, anti-fraud checks and currency conversion. ## The official numbers do not all match A PaySika pricing article dated 20 October 2026 says the first XAF virtual card is free and later ones cost CFAF 1,800. It lists a USD Premium virtual card at CFAF 4,150, with a one-dollar prefunding requirement and a quoted recharge conversion rate of CFAF 700 per dollar. The physical card is described as costing CFAF 5,000 including delivery. The same article lists 1.79% for XAF-card online payments, partner charges of CFAF 500 for transactions below CFAF 16,000 and CFAF 350 above that threshold, and 2.5% for transfers to mobile money. Exactly how the fees combine in every situation is not demonstrated by the webpage. Now compare that with PaySika's 11 September FAQ, which quotes CFAF 655 for an additional virtual card without referral and CFAF 3,000 for physical-card logistics. Its help-centre article updated 7 August lists CFAF 3,000 for a USD card, CFAF 630 per dollar on recharge, and a mobile-money withdrawal fee of 2.5% plus CFAF 120. These differences may reflect products, dates or promotions. The documents alone cannot establish which tariff a specific user will see today. That is the unresolved issue—not evidence of misconduct. ## How to think about the real price A CFAF 10,000 online purchase. At 1.79%, the percentage fee alone would be CFAF 179. If a CFAF 500 partner charge also applies, the combined amount would be CFAF 679 before any other applicable charge. This is an illustration, not a transaction we completed. A CFAF 20,000 withdrawal to mobile money. At 2.5%, the percentage fee is CFAF 500. The August help article would imply CFAF 620 if its extra CFAF 120 applies; the October pricing page does not explicitly include that extra amount. A subscription priced in US dollars. The card creation charge, exchange rate, funding fee and merchant-side currency conversion can matter more than the headline claim of no payment fee. Always compare the final CFA-franc amount with the original dollar price. ## What an independent user test should cover The website offers app download links and describes fast account creation. We have not registered, passed identity verification, funded an account or tested a purchase. A future hands-on test should record which ID documents are requested, whether the quoted price matches the debit, whether cards work with named merchants, how failed transactions are reversed and how support handles a dispute. A payment failure is not just an inconvenience for a freelancer facing a deadline. If funds are held while a subscription remains unpaid, the time to recover them matters as much as the fee. ## Data, privacy and consumer protection PaySika's privacy policy describes the possible collection of identity documents, transaction information, device details and location-related data, as well as disclosures to service providers, group companies and authorities under specified conditions. A written privacy policy is not an independent cybersecurity audit. The terms of use also describe charges and contractual relationships. Consumers should identify the card issuer, the party holding their funds and the route for disputing a transaction before relying on the service for business-critical spending. ## Alternatives and questions that still matter Orange Money and MTN MoMo are established for many local transfers and payments; a virtual card addresses a different problem. Comparing PaySika with bank-issued cards or other African fintech products requires identical transaction amounts, currency, merchant and date. We have not performed that benchmark. PaySika should clarify which tariff schedule currently governs XAF and USD cards, why its public pages differ, whether partner charges are added to percentage fees, how refunds work, and whether physical cards can be ordered and delivered in Buea, Bamenda, Douala and Yaoundé. ## The takeaway Before topping up, check the current tariff for your card and currency, inspect the quote inside the app and keep a copy. When official pages disagree, ask PaySika to identify the binding fee schedule. A relevant payment product still needs a clear total cost, and this documentary review is not an independent transaction or security test. Sources: PaySika pricing, 20 October 2026; PaySika FAQ, 11 September; help-centre rates, updated 7 August; privacy policy; terms; We Are Tech Africa founder profile, 20 August 2024. ## Sources - PaySika tarifs officiels 20 octobre 2026 — PaySika — https://paysika.co/blog/quels-sont-les-tarifs-chez-paysika/ - PaySika centre aide tarifs août 2026 — PaySika — https://aide.paysika.co/fr/article/les-tarifs-paysika-simples-transparents-et-accessibles-1u19mcz/ - PaySika FAQ septembre 2026 — PaySika — https://paysika.co/cm/blog/faq-type/quels-sont-les-tarifs-chez-paysika/ - PaySika politique confidentialité — PaySika — https://aide.paysika.co/fr/article/politique-de-confidentialite-11h41fh/ - PaySika fondateurs — We Are Tech Africa — https://www.wearetech.africa/en/fils-uk/solutions/cameroon-paysika-offers-affordable-online-banking-services - PaySika conditions générales — PaySika — https://aide.paysika.co/fr/article/conditions-generales-dutilisation-ux4ihj/