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We offer transparent, volume & risk-based pricing on our product offering

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Pay-In

Simplify customer experience with seamless payment

Checkout

1.4% capped at ₦2,000

Accept payments via cards, bank transfers, and Pay Attitude

Virtual Accounts

1% capped at ₦300

Accept payments using virtual accounts from any of our partner banks

Custom pricing available for companies with large payment volumes

Contact Sales

Local Cards

2.90%

Accept payments via cards

MTN

2.30%

Accept payments using MTN

Vodafone

2.30%

Accept payments using Vodafone

AirtelTigo

2.30%

Accept payments using AirtelTigo

Custom pricing available for companies with large payment volumes

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Local Cards

3.50%

Accept payments via cards

Mpesa

2.50%

Mpesa Pay-Ins

Airtel

2.50%

Accept payments using Airtel

Custom pricing available for companies with large payment volumes

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Local Cards

3.50%

Accept payments via cards

Mobile Money (MTN, Airtel)

2.50%

Pay-Ins via Mobile Money (MTN, Airtel)

Custom pricing available for companies with large payment volumes

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Mobile Money (MTN, Zamtel, Airtel)

2.70%

Pay-Ins via Mobile Money (MTN, Zamtel, Airtel)

Custom pricing available for companies with large payment volumes

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Agency Banking

Jumpstart your branchless banking strategy with Fincra’s solutions

Card Withdrawal (Cash Out)

0.4% capped at ₦50

Cost for card withdrawal transactions

Whitelabel Platform Setup

Free

White-labelled platform for carrying out all Agency Banking activities and Agent KYC

Whitelabel Platform Monthly Cost

Free

Month on month cost to keep your Agency Banking platform running

Agent KYC

Free

Costs associated with verifying KYC information of agents

MTN

2.50%

Airtel

2.50%

Glo

3.80%

9mobile

3.50%

Note: Commissions are paid for airtime purchases. There are no fees charged for utilizing these services

Dstv/Gotv

1%

Startimes

2.5%

Ikeja Electric (IEDC)

1%

Eko Electric (EKEDC)

1%

Abuja Electric

1% capped at ₦1,200

Jos Electric (JEDC)

0.8%

Ibadan Electric

0.5% capped at ₦1,500

Port Harcourt Electric (PHEDC)

1.3%

Kano Electric (KEDCO)

1.3%

Enugu Electric (EEDC)

1.5% capped at ₦3,000

Kaduna Electric (KEDC)

1.10%

Spectranet

1%

Smile

3%

Swift

0.8%

LCC

0.8%

FRSC

₦50

NIS

₦120

NIS Code

₦70

WAEC

3%

Note: Commissions are paid for bill payments. There are no fees charged for utilizing these services

Top Wise MP35P

₦70,000

Android terminal, touch screen, has keypad, bluetooth, NFC, sim card enabled

Horizon K11

₦95,000

Full Touchscreen with no keypad, bluetooth, NFC, sim card enabled

Urovo T1

₦85,000

Full Touchscreen with no keypad, bluetooth, NFC, sim card enabled

Other Devices Supported

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CX 2000, WiserPOS, Emprego, WiseCard and all Linux based terminals

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POS Terminals

The ultimate in-person payment solution

General Costs
Terminals

Card

0.5% capped at ₦1,000

Accept payments via cards

Bank Transfers

0.5% capped at ₦1,000

Accept payments via bank transfers to the POS Terminal

Instant Settlement

Free

Receive value for transactions instantly

Terminal Management System

Free

Fully white-labelled platform for managing POS terminals at scale

Top Wise MP35P

₦85,000 - ₦90,000

Android terminal, touch screen, has keypad, bluetooth, NFC, sim card enabled

HorizonPay K11

₦95,000 - ₦115,000

Full Touchscreen with no keypad, bluetooth, NFC, sim card enabled

Urovo T1

₦90,000 - ₦115,000

Full Touchscreen with no keypad, bluetooth, NFC, sim card enabled

Other Devices Supported

Contact Sales

CX 2000, WiserPOS, Emprego, WiseCard and all Linux based terminals

Contact Sales

Pay-Out

Simplify local and international payments with ease

Bank Account

₦50

Flat Fee ₦50

Mobile Wallet

₦50

Flat Fee ₦50

Custom pricing available for companies with large payment volumes

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Mobile Money

10 GHS

Seamless pay out into supported mobile money wallets

Bank

10 GHS

Payout to a bank account

Custom pricing available for companies with large payment volumes

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Mobile Money (Mpesa)

100 KES

Seamless pay out via Mpesa

Bank

100 KES

Payout to a bank account

Custom pricing available for companies with large payment volumes

Contact Sales

Mobile Money (MTN, Airtel)

1,993 UGX

Seamless pay out to Mobile Money (MTN, Airtel)

Bank

2,500 UGX

Payout to a bank account

Custom pricing available for companies with large payment volumes

Contact Sales

Mobile Money (MTN, Zamtel, Airtel)

20 ZMW

Pay-Outs via Mobile Money (MTN, Zamtel, Airtel)

Custom pricing available for companies with large payment volumes

Contact Sales

Global Accounts – Multicurrency Virtual Account

Transact in multiple currencies with just one account

Get Virtual Account

Number of Accounts

Monthly Minimum Fee

0 - 2,000 accounts

$2,000

2,001 - 5,000 accounts

$5,000

5,001 accounts and above

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Multicurrency Account Issuance

Individual Multicurrency Virtual Account: Free

Corporate Multicurrency Virtual Account: $3

FX Conversion within the wallets

0.5% FX Fees on Majors

1.0% FX Markup

Multicurrency Fees for Incoming Payments

USD Only

All Currencies

SWIFT - 1% + $45

SWIFT - 0.5% + $45

ACH - 1% + $5

ACH - 0.5% + $10

SEPA - 1% + 5 EUR

SEPA – 0.5% + 10 EUR

Faster Payments – 1% + 5 GBP

Faster Payments – 0.5% + 10 GBP

Custom pricing available for businesses with large payment volumes

Fee for Payout from Multicurrency Virtual Account

USD Only

All Currencies

SWIFT (USD Only) - 1% + $45

SWIFT (All currencies) - 0.5% + $45

ACH - 1% + $5

ACH - 0.5% + $10

SEPA - 1% + 5 EUR

SEPA – 0.5% + 10 EUR

Faster Payments – 1% + 5 GBP

Faster Payments – 0.5% + 10 GBP

Custom pricing available for businesses with large payment volumes