Pricing
One fee per payment.
1% of each payment, capped at ₦700. No setup fee, no monthly fee. Bank charges are passed through at cost.
Fees
Collecting payments
- Bank-transfer payments
- 1% per payment, capped at ₦700
- On each confirmed payment, from any channel: API, checkout, link or invoice. Includes the bank’s collection fee.
- Stamp duty
- ₦50, passed through
- A statutory bank charge on payments of ₦10,000 or more.
Moving money out
- Settlements, transfers and refunds
- ₦10.75 / ₦16.13 / ₦21.50, passed through
- The bank’s transfer cost with 7.5% VAT, by amount: under ₦5,000, from ₦5,000, from ₦100,000. Pletopay charges nothing on refunds.
- Stamp duty
- ₦50, passed through
- On transfers of ₦10,000 or more.
What a payment costs
| Customer pays | Pletopay fee | Stamp duty | You receive |
|---|---|---|---|
| ₦5,000.00 | ₦50.00 | — | ₦4,950.00 |
| ₦50,000.00 | ₦500.00 | ₦50.00 | ₦49,450.00 |
| ₦200,000.00 | ₦700.00 (cap) | ₦50.00 | ₦199,250.00 |
The fee includes the bank’s collection fee. Stamp duty applies to payments of ₦10,000 or more.
Included with every account
- Virtual accounts, hosted checkout, payment links and invoices
- Signed webhooks with retries and replay
- Dashboard with team roles and two-factor authentication
- Statements and CSV reports
- Subaccounts and split rules
- Test mode and sandbox
- VAT is not currently applied to Pletopay’s fee. Any change will be announced in advance.
- Bank charges are passed through at cost and follow the bank’s own schedule.
- Test mode is free. Live payments open once your business is verified.
Pricing questions
Nothing to pay until you’re paid.
Fees apply only to confirmed live payments. Test mode is free.