Na only when you collect money you go pay
Per-transaction price with no setup fees and no monthly fees. Wetin you see for this page na wetin go show for your settlement report.
Price wey you fit plan with
No setup fees, no monthly fees, no minimum. You go see the exact fee list for your corridors inside the dashboard before you go live.
- Mobile money and bank collections
- Hosted checkout dey inside
- Full fee breakdown for every transaction
- Payouts to mobile wallets
- Maker-checker approvals dey inside
- We show corridor rates upfront
- No setup or monthly fees
- Free sandbox wey no get limit
- Rate wey we gree for your account when your volume don grow
Rates for each country
Na the platform rates wey dey run right now, we read dem from the same fee schedule wey the API dey use.
| Market | Method | Collection fee | Payout fee | Fee cap | Settlement |
|---|---|---|---|---|---|
| CameroonXAF | Mobile money | 1.99% | 1% to 3.2% | No cap | Instant |
| KenyaKES | Mobile money | 2.2% to 2.5% | 2.2% | No cap | Instant |
| ZambiaZMW | Mobile money | 2.3% | 2% | No cap | Instant |
| GabonXAF | Mobile money | 2.99% | 1.99% | No cap | Instant |
| SenegalXOF | Mobile money | 3% to 3.5% | 2.5% | No cap | Instant |
| BeninXOF | Mobile money | 3.2% to 4% | 2.5% | No cap | Instant |
| GhanaGHS | Mobile money | 3.5% | 3% | No cap | Instant |
| NigeriaNGN | Bank transfer | 3.5% | 1% | No cap | Instant |
| UgandaUGX | Mobile money | 4% | 2.2% | No cap | Instant |
| TanzaniaTZS | Mobile money | 4% | 5% | No cap | Instant |
| Côte d’IvoireXOF | Mobile money | 4% | 2.8% | No cap | Instant |
| Burkina FasoXOF | Mobile money | 4% | 2.8% | No cap | Instant |
| MaliXOF | Mobile money | 4% | 2.8% | No cap | Instant |
| TogoXOF | Mobile money | 4% | 2.8% | No cap | Instant |
| RwandaRWF | Mobile money | 4.2% | 2.2% | No cap | Instant |
| Congo - KinshasaCDF | Mobile money | 4.2% | 3.2% | No cap | Instant |
| Sierra LeoneSLE | Mobile money | 4.3% | 3.3% | No cap | Instant |
| NigerXOF | Mobile money | 4.5% | 3.5% | No cap | Instant |
| GuineaGNF | Mobile money | 4.75% | 3% | No cap | Instant |
| Congo - BrazzavilleXAF | Mobile money | 5% to 5.5% | 2% | No cap | Instant |
- The prices wey we show na final rates and dem fit change based on how market be. This table dey update by itself when any rate change.
- Merchant dey carry the fee for every rate wey dey up there. To push am give the payer na account setting, no be different price.
- Today, no volume tier, no waiver and no discount dey configured. Rate wey low only dey when we gree am for your account and write am inside your schedule.
- Range mean say the market get pass one rail with different rates. Which one the payment go take na when dem create am dem dey decide, and the fee dey come back inside the response.
- Where market get more than one rail, we list every complete rate wey the payment fit land on, each one for im own line. No line dey mix percentage from one rail with fixed fee from anoda one.
- Minimum and maximum amount dey change for each rail and dey follow operator limits, so we no publish dem here. GET /v1/providers go give you the ones wey dey run for your account.
- We dey charge every rate for the local money of the transaction. We no dey convert money for collections or payouts, so no FX spread dey inside these numbers.
- Sandbox get im own test rates, so sandbox quote no go match this table. Production quote na the correct one.
Fee calculator
Na the same arithmetic wey the API dey run: e go apply the percentage to the amount, round am up to one full minor unit, then hold am between the minimum and the cap. Enter amount make you see the breakdown for every rail wey this market fit use.
Na platform rates be these. If dem gree special rate for your account, that one go replace am, and the fee wey dem actually charge dey come back inside the fee breakdown for every collection and payout response.
When the money reach you
Four steps from when the payer confirm reach when money enter your bank, with the timing wey we fit promise for real and nothing wey we no fit.
- 1The payment complete
The operator confirm and we post the collection to your ledger the moment the confirmation land. We break down the fee inside the response, so your book balance from the first entry.
- 2Money dey clear inside one minute
Every payment wey complete dey available inside one minute, from your very first one. The timing na per account: we fit lengthen am, or agree manual release, once we sabi your chargeback and reversal pattern.
- 3The balance ready
Money wey don clear na your own: pay out to mobile wallet for Cameroon, Gabon, Uganda, Kenya, Ghana, Tanzania, Côte d’Ivoire, Senegal, Congo - Brazzaville, Benin, Rwanda, Congo - Kinshasa, Zambia, Sierra Leone, Burkina Faso, Mali, Togo, Guinea, Niger and Nigeria, refund a payer, or hold the balance till settlement.
- 4Settlement comot
Our treasury team dey prepare and release settlement to your own account, and we dey record every leg: pending, sent, then confirmed. Settlement wey fail or wey dem cancel dey reverse fully for the ledger.
Collections and payouts dey stay for local money, so no conversion dey happen for the money path and we no dey take spread. Where settlement really convert, we dey get the rate from the two amounts for that leg and show am for the record: we dey publish the rate wey we use instead of quoting one before time.
Your questions, we don answer dem
Which countries I fit collect payment for?
We dey collect for Cameroon, Gabon, Uganda, Kenya, Ghana, Tanzania, Côte d’Ivoire, Senegal, Congo - Brazzaville, Benin, Rwanda, Congo - Kinshasa, Zambia, Sierra Leone, Burkina Faso, Mali, Togo, Guinea, Niger and Nigeria, and new markets dey open every time.
Which payment methods una dey support?
Mobile money na the main rail: MTN Mobile Money, Orange Money, M-Pesa, Airtel Money and more, plus bank transfer for Nigeria, and more bank rails dey come. Methods dey different per country; the dashboard go show you exactly wetin dey live for your own.
How much e dey cost?
Collections start from 1.99% for every transaction wey work and payouts start from 1%, no setup fee, no monthly fee, no minimum. Your exact schedule for each corridor dey show for dashboard before you go live, and every API answer carry the full fee breakdown.
How fast I fit go live?
The sandbox dey ready the moment you open account. Production access go open after business verification (KYB), wey need your registration documents and beneficial-owner details.
How I go take connect?
Two ways dey: share hosted checkout links without any code, or call the REST API from your own product. Any one wey you pick, you go get signed webhooks, idempotency and request id on every response. The docs for developer.capayglobal.com go show you the two.
How una dey track my money?
Na double-entry ledger: every movement dey balanced, nobody fit change am, and e dey recorded in minor units per currency. Your dashboard go show balances, settlements and reports wey you fit export and wey dey match the ledger.
Which languages una dey support?
This website dey for 34 languages, including Swahili, Hausa, Yoruba, Igbo, Twi, Wolof, Amharic, Arabic and Portuguese. The merchant dashboard and the checkout page dey for 23 languages. Documentation and support na English and French.
Our team dey support you for English and French, from your first sandbox call reach your first million in collections.
Contact supportStart to collect payments all over Africa today
Open free account, build with the sandbox and go live once we verify you.
Anytime you ready, tell us about your corridors and volumes.