Transparent Pricing
Simple, straightforward fees for all X-Pay services with no hidden charges.
Card Payments
2.9%
$0.30 per transaction
Global card acceptance
Support for major card networks
PCI DSS compliance
Fraud protection
Automatic currency conversion
Mobile Money
1.5%
No fixed fee per transaction
MTN Mobile Money integration
Orange Money integration
Airtel Money integration
M-Pesa integration
Instant settlement options
X-Pay Wallet
0%
Free for same currency per transaction
Wallet-to-wallet transfers (same currency) - FREE
Different currency transfers - 2.0% conversion fee only
Multi-currency support
QR code payments
NFC payments
Bank Transfers
1.8%
No fixed fee per transaction
Direct bank account payments
Bank payouts
Multiple bank support
Transaction verification
Payment reconciliation
Special Features Pricing
Split Bills
1.0% per participant
Each participant pays the fee on their share of the bill
Gift Cards
1.5% - 2.0% based on amount
Lower rates for higher value gift cards
Money Transfer
Tiered fixed fee structure
Based on transaction amount and country
Currency Conversion
2.0% of amount
Competitive exchange rates with transparent fees
USD Payout
1.5% additional fee
For international recipients requiring USD
Money Transfer Fee Structure
Our money transfer fees use a tiered fixed fee structure instead of percentage-based fees, making large transfers more affordable.
| Tier Level | Amount Range (USD equivalent) | Fixed Fee |
|---|---|---|
| Micro | Up to $15 | $0.75 fixed fee |
| Tier 1 | $15.01 - $50 | $1.25 fixed fee |
| Tier 2 | $50.01 - $125 | $3.00 fixed fee |
| Tier 3 | $125.01 - $250 | $4.00 fixed fee |
| Tier 4 | $250.01 - $500 | $7.00 fixed fee |
| Tier 5 | Over $500 | $12.00 fixed fee |
For very large transfers (over $500), we cap the fee at $50 USD equivalent. All fees are converted to local currency at the current exchange rate.
Volume Discounts Available
Businesses processing high transaction volumes qualify for custom pricing. Our team will work with you to design a fee structure that meets your specific needs.