Please understand that Zaypay doesn't take alot, i think it's way less then 10%. It's the tele company that takes alot! You must also know that the consumer have to pay VAT in their country.
Take netherland for instance.
1,30 per min. That gives you 1,04 without the VAT. And it pays you 0.94. The payout from netherlandish companies are pretty high (94%).
So
1,04 * 0,94 = 0,977 (This is what Zaypay get)
0,977 - 0,94 = 0,037 (This is what Zaypay earn after you got your share!)
If we take a look at Sweden (
Payout table), that gives 20,48SEK with 40SEK payment (with lowest amount of messages). And with Zaypay 2.14EUR. That gives you 22,2SEK. And Zong takes 10% on that amount of messages. You can do the calculations.
Net Zong: 20,48 * 1,1 = ~22.53
Earning Zaypay = ~22,53 - 22,2 = 0,33SEK.