Pay only when you get paid
Per-transaction pricing with no setup fees and no monthly fees. What you see on this page is what appears on your settlement report.
Pricing you can plan around
No setup fees, no monthly fees, no minimums. You see the exact fee schedule for your corridors in the dashboard before you go live.
- Mobile money and bank collections
- Hosted checkout included
- Fee decomposition on every transaction
- Mobile wallet disbursements
- Maker-checker approvals included
- Per-corridor rates shown up front
- No setup or monthly fees
- Free unlimited sandbox
- Negotiated per-merchant rates when volume justifies them
Rates by country
The platform rates in force right now, read from the same fee schedules the API prices against.
| 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 |
- Prices shown are final rates and may change with market conditions. This table updates by itself when a rate changes.
- The merchant carries the fee on every rate above. Passing it to the payer is an account setting, not a different price.
- There are no volume tiers, no waivers and no discounts configured today. A lower rate exists only when it is agreed for your account and written into your schedule.
- A range means the market has more than one rail at different rates. Which one a payment takes is decided when it is created, and the fee comes back on the response.
- Where a market has more than one rail, each complete rate it can resolve to is listed on its own line. No line mixes a percentage from one rail with a fixed fee from another.
- Minimum and maximum amounts differ per rail and change with operator limits, so they are not published here. GET /v1/providers returns the ones in force for your account.
- Every rate is charged in the local currency of the transaction. We do not convert currencies on collections or payouts, so there is no FX spread in these numbers.
- Sandbox uses its own test rates, so a sandbox quote will not match this table. Production quotes are authoritative.
Fee calculator
The same arithmetic the API runs: the percentage is applied to the amount, rounded up to a whole minor unit, then held inside any minimum and cap. Enter an amount to see the decomposition for each rail this market can route to.
These are the platform rates. A rate negotiated for your account replaces them, and the fee actually charged comes back in the fee breakdown on every collection and payout response.
When the money reaches you
Four steps from a payer confirming to funds in your bank, with the timing we can actually commit to and nothing we cannot.
- 1The payment completes
The operator confirms and we post the collection to your ledger the moment the confirmation lands. The fee is decomposed on the response, so your books balance from the first entry.
- 2Funds clear within a minute
Every completed payment is available within a minute, from your very first one. The timing is per account: it can be lengthened, or a manual release agreed, once we know your chargeback and reversal profile.
- 3The balance is available
Cleared funds are yours to spend: pay out to mobile wallets in 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 until settlement.
- 4Settlement leaves
Settlement to your own account is prepared and released by our treasury team, and every leg is recorded: pending, sent, then confirmed. A failed or cancelled settlement reverses in full on the ledger.
Collections and payouts stay in the local currency, so no conversion happens on the money path and no spread is taken. Where a settlement does convert, the rate is derived from the two amounts on the leg and shown on the record: we publish the rate that was applied rather than quoting one in advance.
Questions, answered
Which countries can I collect payments in?
Collections are live in 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 open continuously.
Which payment methods are supported?
Mobile money is the core rail: MTN Mobile Money, Orange Money, M-Pesa, Airtel Money and more, plus bank transfer in Nigeria, with more bank rails coming. Methods vary per country; the dashboard shows exactly what is live for yours.
What does it cost?
Collections from 1.99% per successful transaction and payouts from 1%, with no setup fees, monthly fees or minimums. Your exact per-corridor schedule is shown in the dashboard before you go live, and every API response carries the full fee breakdown.
How fast can I go live?
The sandbox is available the moment you create an account. Production access opens after business verification (KYB), which needs your registration documents and beneficial-owner details.
How do I integrate?
Two ways: share hosted checkout links with zero code, or call the REST API from your own product. Either way you get signed webhooks, idempotency and a request id on every response. The docs at developer.capayglobal.com walk you through both.
How is my money tracked?
On a double-entry ledger: every movement is balanced, immutable and recorded in minor units per currency. Your dashboard shows balances, settlements and exportable reports that reconcile to the ledger.
Which languages do you support?
This website is available in 34 languages, including Swahili, Hausa, Yoruba, Igbo, Twi, Wolof, Amharic, Arabic and Portuguese. The merchant dashboard and the hosted checkout are available in 23 languages. Documentation and support are in English and French.
Our team supports you in English and French, from your first sandbox call to your first million in collections.
Contact supportStart collecting payments across Africa today
Create a free account, build against the sandbox and go live after verification.
Tell us about your corridors and volumes at any time.