Standard
Free to start
For verified merchants and everyday users
- Verified merchant badge after KYC
- Checkout, links and invoices
- Wallet, P2P and bulk payouts
- Standard settlement and support
Pricing
Simple tiers.
No surprises.
Start free, verify once, and move up to Gold or Platinum as you grow. You always see the fee before you confirm.
Your tier
StandardStandardVerified, free to startActive
GoldInstant settlement, escrow, accountingUnlock
PlatinumDiscounts, WaaS, priority supportBy application
Progress to Gold
72%
Gold
Gold badge
Everything in Standard, plus instant settlement
- Immediate settlement with no hold
- Gold trust badge on checkout
- Escrow Safe Trade for buyers
- Business accounting and payroll
Platinum
Platinum badge
For high-volume brands and platforms
- Everything in Gold
- Fee discounts and higher limits
- Priority support and onboarding
- Wallet-as-a-Service and webhooks
Tier badges are earned through verification and activity. Your dashboard shows the tier you hold and what it unlocks.
Fees by tier
Indicative structure. Rates in brackets are placeholders: your live rates are shown in the dashboard before every transaction.
| Service | Standard | Gold | Platinum |
|---|---|---|---|
| Checkout (M-Pesa, Airtel Money) | [2.9%] | [2.5%] | Custom |
| Checkout (card, PayPal) | [3.5% + KSh 0] | [3.2%] | Custom |
| Wallet P2P transfer | Free to [KSh 25] | Free to [KSh 20] | Custom |
| Withdrawal to M-Pesa | [KSh 30 to 120] | [KSh 25 to 100] | Custom |
| Bulk payout, per row | [KSh 15] | [KSh 12] | Custom |
| Escrow Safe Trade | [1.5%] | [1.2%] | Custom |
| Currency conversion | [1.5% margin] | [1.2% margin] | Custom |
| Lengo withdrawal | [0.5%] | [0.5%] | Custom |
| Wallet-as-a-Service sub-account | – | [KSh 0 setup] | Custom |
Rates exclude excise duty and VAT where applicable. Mobile-money operator and bank charges may apply to withdrawals.
Compare tiers
| Feature | Standard | Gold | Platinum |
|---|---|---|---|
| Verified merchant badge | |||
| Payment links, checkout and invoices | |||
| Wallets, P2P and bulk payouts | |||
| Chama, Lengo and Deni | |||
| Standard settlement | |||
| Instant settlement, no hold | – | ||
| Gold trust badge at checkout | – | ||
| Escrow Safe Trade | – | ||
| Accounting and payroll | – | ||
| Webhooks and developer APIs | – | ||
| Fee discounts and higher limits | – | – | |
| Wallet-as-a-Service and sub-accounts | – | – | |
| Priority onboarding and support | – | – | |
| Account manager and SLA | – | – |
What shapes your fee
Your tier
Gold and Platinum badges lower fees, raise limits and unlock faster settlement.
Payment method
Mobile money, bank, card and wallet payments each have their own cost to process.
Volume
High-volume merchants and platforms can negotiate custom rates on Platinum.
Included in every tier
Bank-grade security
Encryption, KYC and fraud monitoring come standard, never as an add-on.
Real support
Help by chat, WhatsApp and email in English and Kiswahili.
Clear statements
Fee breakdowns and downloadable statements for every transaction.
Frequently asked questions
Yes. Creating an account and verifying your identity cost nothing. You pay a fee only when you process certain transactions, and the fee is shown before you confirm.
Complete business verification and build a clean transaction history. Platinum is by application for high-volume brands and platforms. Talk to sales.
You choose. Merchants can absorb the fee or pass it on to the customer, where the law and card network rules allow.
No set-up or monthly fees on Standard. Optional subscription plans for business tools are shown in your dashboard.
See the Refund policy for how processing fees are treated when a payment is refunded.
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