Make a payment

Making a payment to Expert Africa

We work with travellers who live all over the world. To make our Trip ideas easier to understand, this website displays their prices in many different currencies.

When making a booking, we can work in UK Pounds (GB£), US Dollars (US$) or Euros (€). If you tell us which of these currencies is best for you, we'll send your quotes in that currency. Then, when we make a firm booking for you, we'll agree a fixed price in that currency. This currency and price will remain fixed regardless of how the world's exchange rates vary. Thus you always have the peace of mind of knowing exactly how much your trip will cost in whichever of these three currencies is most convenient for you.

The options for making payments to Expert Africa are detailed below, and different methods can be used to pay parts of the same booking. For example deposits are often paid by debit or credit card, for speed and convenience, whilst bank drafts are used to settle large balances, to avoid any commission charges. The options are:

Price agreed in UK Sterling (GB£)

  • Deposit: GB£600 per person for bookings of under GB£3,000 per person, or 20% of the value of the trip for bookings over this level.
  • Full payment: Must reach us (be cleared in our bank) ten weeks before travel, or be settled immediately for bookings made within that time.

Payment methods for UK Sterling:

    • Online payment on our website. Click login in the top right of our website to access your account, or set up an account if you don’t already have one. It’s a simple process. Once you are logged in, click authorise to authorise your deposit payment or click make payment to pay all or part of your balance. Payments can be accepted by debit or credit card, but charges may apply (see credit cards below).
    • Direct bank transfers (nett of any bank charges) are accepted without any surcharges. Online banking can make this very easy. Please ask for our bank details
    • Debit cards issued in the UK are accepted without any surcharges.
    • Personal cheques from UK bank accounts are accepted without any surcharges, but please allow 5 working days for cheques to clear.
    • Credit cards are accepted, either online (see above) or over the phone, although we must add a surcharge to cover the transaction costs which we are charged. These are currently:
      • Visa and MasterCard payments: 2.0%.
      • American Express payments: 3.0%.
      Beware: credit cards issued by companies outside the UK (or denominated in currencies other than GB£ Sterling) may also charge you, the cardholder, a direct and additional charge (typically 3%) for a “foreign currency transaction" like this. Check your credit card’s fine print before paying this way.

Price agreed in US Dollars (US$)

  • Deposit: US$900 per person for bookings of under US$4,500 per person, or 20% of the value of the trip for bookings over this level.
  • Full payment: Must reach us (be cleared in our bank) ten weeks before travel, or be settled immediately for bookings made within that time.

Payment methods for US Dollars:

By far the best way to pay for a trip is:
    • Direct bank transfer in US Dollars to our US Dollar account. It is vital that you confirm with your bank that this payment will remain in US Dollars for the whole transaction, between your bank and ours - i.e. it will not be translated into UK Pounds at any point. If your bank cannot confirm this, then don't pay by bank transfer - as you might lose a significant amount of the sum transferred in currency exchanges, and have to make additional payments to us as a result.
      Please cover all bank charges from your side, and add to the transfer amount an extra payment of US$10 to cover our bank charges.
The other possible alternatives are:
    • Online payment on our website. Click login in the top right of our website to access your account, or set up an account if you don’t already have one. It’s a simple process. Once you are logged in, click authorise to authorise your deposit payment or click make payment to pay all or part of your balance. Online payments can be accepted on Visa or MasterCard only and extra charges apply (see credit cards below). For payment with American Express please give us a call.
    • Credit cards (billed in US$) are accepted, although we must add a surcharge to cover the transaction costs which we are charged. These are:
      • Visa and MasterCard payments: 2.0%.
      • American Express payments: 3.0%.
      Beware:: if your credit card is not billed in US dollars, then your credit card company is likely to charge you, the cardholder, an additional direct charge for making a “foreign currency transaction". Occasionally, even if your card is billed in US dollars and there is no currency exchange, your credit card company might charge you an additional direct charge known as a “foreign transaction fee" because our bank account is based in the UK. Card providers vary so read your credit agreement’s fine print before paying this way; additional charges made by credit card providers are typically 3%.
    • Cashier's checks arranged at your bank and typically cost about US$30-40 to issue, plus mailing costs. Cashier’s checks are usually a good way to pay because they clear faster through the bank system than personal checks. Although this makes a cashier's check the best type of check to pay with, we are charged for cashing it, so US$40 should be added to any amount paid by cashier's check to cover our bank charges. Full payment made by cashier’s check must be settled 14 weeks before travel, as on occasion they can take up to four weeks to fully clear through the banking system.
    • Personal checks in US Dollars are accepted provided the check for full payment is received by us 18 weeks before travel. Personal checks can take up to eight weeks to completely clear through the banking system. Regrettably for this reason, we cannot accept a US Dollar personal check for any bookings made within 18 weeks of the travel date.
    • Debit card payments in US Dollars to our US Dollar account are accepted, with any transaction charges your responsibility. Expert Africa does not add any surcharges for US debit card payments. However, in the past some travellers have been charged substantial commissions (4% in one case) by the banking system, and we cannot be responsible for these. Because of this, we do not recommend payment by any debit card issued outside the UK.

Price agreed in Euros (€)

  • Deposit: EU€700 per person for bookings of under EU€3,500 per person, or 20% of the value of the trip for bookings over this level.
  • Full payment: Must reach us (be cleared in our bank) ten weeks before travel, or be settled immediately for bookings made within that time.

Payment methods for Euros:

By far the best way to pay for a trip is:
    • Direct bank transfer in Euros to our Euro account. It is vital that you confirm with your bank that this payment will remain in Euros for the whole transaction, between your bank and ours - i.e. it will not be translated into UK Pounds at any point. If your bank cannot confirm this, then don't pay by bank transfer - as you might lose a significant amount of the sum transferred in currency exchanges, and have to make additional payments to us as a result.
      Please cover any bank charges from your side, and add to the transfer amount an extra payment of EU€8 to cover our bank's charges.
The other possible alternatives are:
    • Cashier's cheques arranged at your bank and typically costing about EU€30-40 to issue, plus postage. We are charged for cashing cashier’s cheques, so EU€40 should be added to any amount paid by cashier's cheque to cover our bank charges. Full payment made by cashier’s cheque must be settled 12 weeks before travel, as on occasion they can take up to four weeks to fully clear through the banking system.
    • Personal cheques in Euros are accepted provided full payment is settled 18 weeks before travel. Regrettably, we cannot accept a Euro personal cheque for any bookings made within 18 weeks of the travel date as this will take from six to eight weeks to clear with the bank.
Online payments: note that we cannot process online payments directly in Euros. So if you need to pay using a card, then always call us to discuss it first. In general:
    • Debit card payments in Euros are accepted, but we do not recommend this as a payment method. We can only charge a debit card in either UK£ Sterling or US Dollars, not directly in Euros. Because of this, we will have to convert the agreed Euro amount into Sterling at the day’s exchange rate on the day of payment. You, the cardholder, are likely to be charged a direct and additional surcharge (typically 3-4%) by your card issuer for a ‘foreign currency transaction’. Please check your debit card’s fine print before paying this way.
    • Credit card payments are accepted. However, because we can only charge a credit card in either UK£ Sterling or US Dollars (not in Euros), we will have to convert the agreed Euro amount into Sterling at the exchange rate on the day of payment. We also have to add a surcharge to cover the transaction costs which we are charged; this is:
      • Visa and MasterCard payments: 2.0%.
      • American Express payments: 3.0%.
      Beware: many credit card companies will also charge you, the cardholder, a direct and additional charge (typically of about 3%) for a foreign currency transaction like this; read the fine print of your credit agreement before paying this way.