What are Paystack's transaction charges?

Our transaction charges vary depending on the country your business is based and where your customers are paying you from. Here is a breakdown of our transaction fees:

Transaction Pricing

	Local Transactions	International Transactions	USD Transactions
Nigeria (NGN)	1.5% + NGN 100	3.9% + NGN 100 (via Mastercard, Visa, Verve cards) 4.5% (via American Express cards)	3.9% (via Mastercard, Visa, Verve cards) 4.5% (via American Express cards)
Ghana (GHS)	1.95%	1.95%	N/A
South Africa (ZAR)	2.9% + R1.00 (VAT exclusive)	2.9% + R1.00 (VAT exclusive)	N/A

Please visit our pricing page for more information on our charges for your country.

Important to Note for Nigeria

For local transactions in Nigeria, we have a transaction cap of NGN 2,000. This means we will never charge you more than NGN 2,000 for any transaction originating from a Naira Bank account. Also, for transactions under NGN 2,500, we waive the NGN 100 fee.

What other fees do we charge?

For Nigeria, Ghana and South Africa-based businesses, we have a transfers and user verification service. Here is how much we charge for each of these services.

Transfers Pricing

Country	Band	Price
Nigeria	Transfers of NGN 5,000 and below	NGN 10 per successful transfer
	Transfers between NGN 5,001 and NGN 50,000	NGN 25 per successful transfer
	Transfers above NGN 50,000	NGN 50 per successful transfer
Ghana	N/A	GHS 10 per successful transfer
South Africa	N/A	ZAR 3 per transfer (failed or successful)

User Verification

Service	Country Availability	Price
Account Number Resolve API	Nigeria, Ghana	Free
Account Validation API	South Africa	ZAR 3 per successful API call