# Fosia Pay Affiliate Program: Earn 35% Recommending Mobile Money

URL: https://fosiarw.com/fosia-pay-affiliate-program/
Updated: 2026-11-10
Site: FOSIA AGENCY

**In short:** the Fosia Pay affiliate program pays you 35% of the price paid, before tax, when someone you refer buys a paid licence of Fosia Pay (Pro, Pro + AI or Agency) or of Fosia Crowdfunding Pro. Each commission is confirmed after the 14-day refund window and paid monthly to your Mobile Money number once you reach 10 USD. Joining is free, there is no sales target, and every application is read by a person.

If you build WooCommerce stores in Kampala, teach e-commerce in Accra or advise shops in Kigali, you already hear the question “how do my customers pay with MoMo?”. This guide explains what you would recommend, what each sale pays, how a sale is credited to you and the rules to respect. Everything comes from the live programme page and the programme terms (version 2026-10-22).

## What you would be recommending

[Fosia Pay](https://pay.fosiarw.com/fosia-pay/) is a Mobile Money checkout for WooCommerce, built by FOSIA in Kigali. It connects a store to the merchant’s own PawaPay account, and FOSIA takes 0% commission on sales: only PawaPay’s own processing fees apply. It covers 21 African countries and 43 Mobile Money networks, such as MTN MoMo, Airtel Money, Orange Money, M-Pesa and Wave. Availability depends on what PawaPay has enabled on the merchant’s account.

[Image: WooCommerce checkout on a phone with Mobile Money and the amount converted to Rwandan francs] What the customers of a store you refer see: Mobile Money at checkout, with the amount in their own currency (test shop, sample data).

The paid plans are the ones that earn you a commission:

- **Fosia Pay Pro** ($19.99 a year or $59 once for life): checkout without redirect, fewer failed payments, refunds from the order, payouts, payment links with QR posters.
- **Pro + AI** ($39.99 a year or $119): adds recurring payments by monthly e-mail invoices, a REST API and an AI assistant that uses the merchant’s own Anthropic key.
- **Agency** ($79.99 a year or $249): up to 25 client sites on one PawaPay account, with white label.
- **Fosia Crowdfunding Pro** ($29.99 a year or $89): group collections, a matching sponsor, proof of spending and offline gifts for fundraising campaigns.

[Image: A4 payment link poster with a QR code to pay 50,000 RWF by Airtel Money or MTN MoMo] A Fosia Pay Pro payment-link poster for a sample cake shop: one of the features that often makes a merchant upgrade.

Be honest with yourself about one thing: [Fosia Pay Lite](https://wordpress.org/plugins/fosia-pay-lite/) is free, with unlimited payments, and many small stores will stay on it for a long time. Free plans earn nothing. Your commission comes when a merchant needs what Pro, Pro + AI, Agency or Crowdfunding Pro adds.

## What one sale pays

The rule is 35% of the price paid, before tax. The first three rows are the examples on the programme page; the others are our own calculation at the same rate, at today’s catalogue prices in US dollars.

| Licence sold | Price | Your commission on the sale |
| --- | --- | --- |
| Fosia Pay Pro, yearly | $19.99 | $7.00 |
| Fosia Pay Pro + AI, yearly | $39.99 | $14.00 |
| Fosia Pay Agency, lifetime | $249 | $87.15 |
| Fosia Pay Pro, lifetime | $59 | $20.65 |
| Fosia Pay Agency, yearly | $79.99 | $28.00 |
| Fosia Crowdfunding Pro, yearly | $29.99 | $10.50 |
| Fosia Crowdfunding Pro, lifetime | $89 | $31.15 |

These are examples, not a promise of income. What you earn depends entirely on the merchants you help and on whether the product suits them.

## How a sale is credited to you

Once approved, you get a short link (pay.fosiarw.com/go/yourcode/), a QR code and, on request, a coupon code. There are two ways a sale becomes yours:

- **Your link:** the visitor opens it and accepts cookies, then buys a paid licence within 30 days. If they open another partner’s link later, the most recent link counts.
- **Your coupon code:** the buyer types it at checkout. A coupon has priority over a link and works without any cookie.

Why the cookie step? Fosia follows Rwanda’s personal data law (No 058/2021) and never places the referral cookie before the visitor agrees. In practice, many buyers will refuse cookies, so share your coupon code along with your link, especially in videos, trainings and printed material.

[Image: Fosia Pay affiliate program steps from application to Mobile Money payout] From your application to the money on your phone: the five steps of every commission.

## When and how the money reaches you

Each commission waits 14 days, the refund window of Fosia licences, then it is confirmed. A full refund cancels it and a partial refund reduces it. Around the 5th of each month, confirmed commissions are paid once they reach 10 USD; a smaller balance carries over to the next month.

Payment goes through PawaPay to a Mobile Money number in your own name, in any of the 21 countries. Commissions are counted in US dollars and paid in your wallet’s currency at the day’s rate, rounded down. One person prepares each payout and a second person approves it. You declare and pay any tax due where you live: you join as an independent partner.

## Renewals, and why your help after the sale matters

A merchant you refer stays linked to you, and renewals and later paid licences they buy are commissioned too. The rate and conditions are set out in the [programme terms](https://pay.fosiarw.com/affiliate-terms/): read them before you plan anything around renewals.

Keep in mind that yearly Fosia licences never renew automatically. A merchant renews only if they choose to, and if they do not, their store keeps taking payments in Lite mode. So a renewal depends on the merchant still finding the plugin useful a year later. Helping a client set it up properly, answer the “why did this payment fail?” question and use refunds or payouts is what keeps them. Lifetime licences are paid once and have no renewal.

## The rules that protect everyone

The terms are short and clear. These lead to refused commissions or the end of your participation:

- Referring yourself, your own company or your own sites.
- Spam, including posting in WhatsApp groups, forums or comments where it is not welcome.
- Bidding on “Fosia” or the product names in paid search ads, or pages and accounts that look like Fosia’s.
- Wrong prices or features, income promises, or presenting yourself as Fosia.
- Publishing coupon codes on coupon, deal or cashback websites.
- Fake clicks, hidden links or forced cookies.

Telling people openly that you earn a commission is not written in the terms, but it is good practice and it protects your reputation with clients.

## Is it different from the Amaso AI programme?

FOSIA runs two programmes. Both pay 35%, both pay by Mobile Money, both have a 30-day window and a 14-day hold. The products differ: Fosia Pay is about getting paid, Amaso AI is about being visible to AI assistants. Each has its own terms, so read [the Amaso AI programme page](https://amasoai.com/affiliates/) and the Fosia terms separately, and apply to each on its own site. Our [Amaso AI affiliate guide](https://fosiarw.com/amaso-affiliate-program-mobile-money/) covers that one, and [this guide for web designers](https://fosiarw.com/affiliate-income-web-designers-africa/) shows where a recommendation fits in a client project.

## Frequently asked questions

### Does a free Fosia Pay Lite install earn a commission?

No. Free products and donations earn nothing. You earn when someone buys a paid licence through your link or coupon.

### Can I buy a licence for my client through my own link?

No. Purchases by the affiliate, or for the affiliate’s own sites, are not credited. Let the client buy it, with your coupon code.

### My wallet is in Ugandan shillings. How is my 35% counted?

In US dollars first, then converted to your Mobile Money currency at the rate of the day the payout is prepared, rounded down.

### What if a merchant forgets to use my link?

Your coupon code credits you without any link or cookie. Fosia may also credit a sale by hand when a customer says who referred them.

### Can I join if I am not yet a Fosia customer?

Yes. The programme is open to agencies, freelancers, trainers, content creators and communities. Tell Fosia how you will share it when you apply.

Ready to recommend the plugin you already install for clients? [Apply to the Fosia affiliate programme](https://pay.fosiarw.com/affiliates/), free, and read [the programme terms](https://pay.fosiarw.com/affiliate-terms/) first.