Pricing
No monthly fee. You pay only when you sell or move money, in plain numbers, with a calculator that shows what we process for you and what it costs. All fees are shown before VAT.
Payble
Pay as you go
No monthly fee
All fees plus 7.5% VAT
The price list
No monthly fee, so a month you do not trade costs you nothing. You pay only when you complete a sale or move money, and this is the whole list, before VAT.
₦100
per in-store sale
Charged once a sale is completed, and flat, so the bigger the sale the smaller the share: 0.2% on a ₦50,000 sale. Or let your customer cover it.
1.2%
capped at ₦2,000
On top of the digital service fee, only for the sales a customer pays by card on a reader or terminal. Never more than ₦2,000 on any one sale.
2% + ₦100
per online order
For storefront checkout and payment links. The ₦100 is the same digital service fee, so your customer can cover it and leave you with just the 2%.
₦25
per transfer in, no sale attached
A flat fee when money is transferred straight into your account without being tied to a sale. A sale paid by bank transfer pays nothing extra: only the ₦100 digital service fee.
₦15 to ₦50
per transfer out, by amount
Every transfer you send from your business account, paid by you. The fee depends on the size of the transfer, from the table below.
Paid by you, before VAT. One fee for each transfer you send from your business account.
What would I pay?
Tell us roughly how you trade and see how much we process for you and what it costs, with VAT. Nothing you enter leaves your device.
Your month
We process for you
Processed₦3,100,000
What it costs
You pay₦52,191
About ₦1.68 for every ₦100 we process for you
1.68% of the ₦3,100,000, including VAT
Let your customers cover the service fee and this falls to ₦17,791, ₦34,400 less.
An estimate for planning. “Processed” is every completed sale, online or link order and transfer, counted once, at the amounts you set, and it counts a sale whichever way the customer pays. The card transaction fee applies only to the sales you say were paid by card, on top of the digital service fee every in-store sale pays. A transfer you send out is priced by its size, so every one is priced at the band your average transfer falls in; a month of mixed sizes will land a little either side. Money tied to a sale pays no transfer fee. Fees are shown before VAT, then VAT at 7.5% is added.
In percentages
A flat fee is a bigger share of a small sale. We show it plainly so you can price with your eyes open.
Shown before VAT. The bigger the sale, the smaller the share: 0.1% on a ₦100,000 sale. On a very small sale a flat fee is a bigger share, which is a good reason to let your customer cover the service fee.
Plans
Start on Pay as you go and move up as your business grows.
No monthly fee. Pay for what you use.
Start today with no commitment. You pay only the fees below, as you trade.
More as your business grows.
For businesses that trade every day and want more from their account.
Higher volumes, more support.
For established, high-volume businesses that need more support.
Built around you.
Custom pricing and support for large businesses and organisations. Talk to us and we will build the plan around you.
Hardware
Card readers and terminals can be bought outright or leased, daily or monthly, on a contract of 6 to 18 months.
Card reader
Lease contracts run 6 to 18 months.
Terminal
Lease contracts run 6 to 18 months.
All-in-one terminal
Lease contracts run 6 to 18 months.
FAQ
Straight answers about Payble, your money and how it works.
No. Pay as you go has no monthly fee. You pay only the fees listed on this page, as you trade.
A fee of ₦100 on every completed in-store sale. You can absorb it yourself or pass it on to your customer.
On top of the digital service fee, a card payment taken on a reader or terminal pays a card transaction fee: 1.2% of that sale, capped at ₦2,000. It applies only to the sale paid by card, never to a sale paid by cash or bank transfer.
Storefront checkout and payment links cost 2% of the order plus ₦100. The ₦100 is the same digital service fee, so it can be passed on to your customer too. For example, a ₦10,000 order costs ₦300 before VAT.
A sale paid by bank transfer pays no transfer fee: only the ₦100 digital service fee applies to that sale. The ₦25 transfer-in fee is for money transferred straight into your account without being tied to a sale.
₦25, flat, for money that arrives in your account without a sale attached. Money tied to a sale pays no transfer fee, only the ₦100 digital service fee.
It depends on the size of the transfer. Up to ₦5,000: ₦15; ₦5,001 to ₦10,000: ₦20; ₦10,001 to ₦49,999: ₦25; ₦50,000 and above: ₦50. Transfer fees are always paid by the merchant.
Every fee is quoted before VAT. VAT at 7.5% is added on top.
There are four: Pay as you go, Plus, Premier and Enterprise. Pay as you go is available now. Plus and Premier are coming soon, and Enterprise is priced to fit, so talk to us.
Card readers and terminals can be bought outright or leased, daily or monthly, on a contract of 6 to 18 months. The prices are in the hardware section on this page.
Tell us about your business, we help you verify your details, and you pay only for what you use. No monthly fee.
