Fees and settlement
2.5% on money you successfully collect. Nothing else: no monthly fee, no setup fee, no minimum, no charge for failures.
One rate
2.5% of every successful payment, from your first one. No introductory price, no tiers, nothing to claim.
Genuinely large volume gets its own rate, negotiated. Talk to us.
The whole price list
| Cash in | 2.5% |
| Cash out | 2.5%, on top of the amount sent. Minimum 10,000 RWF |
| Withdrawals | 2.5%, like any cash out. Minimum 10,000 RWF |
| Failed or cancelled payments | No fee |
| Refunds | 2.5%, like any cash out. The original collection fee is not returned |
| Test mode | 2.5%, the same as live: test payments move real money |
| Monthly fee | None |
| Setup fee | None |
| Minimum volume | None |
What that looks like
| Customer pays | Fee (2.5%) | You keep |
|---|---|---|
| 1,000 RWF | 25 RWF | 975 RWF |
| 5,000 RWF | 125 RWF | 4,875 RWF |
| 20,000 RWF | 500 RWF | 19,500 RWF |
| 100,000 RWF | 2,500 RWF | 97,500 RWF |
| 1,000,000 RWF | 25,000 RWF | 975,000 RWF |
The customer always pays the amount you asked for. The fee comes out of what we owe you, so there is never a surcharge to explain at checkout.
Rounded down, always
Settlement
| Fee taken | The moment a collection succeeds |
| Money available | As soon as the collection succeeds |
| Payouts and withdrawals | Seconds, from available balance |
| Cut-off | None. There is no batch and no business day. |
Nothing is held back, so a payment at 23:55 on a Sunday is withdrawable at 23:55 on that Sunday: not on a batch that runs at dawn, and not after a maturity clock we set for our own benefit. Balance and withdrawals follows a single payment all the way through.
If your volume is real
The rate is per merchant, not per platform, and it is negotiable at volume. The plumbing for that already exists, so a different rate is a setting on your account rather than a project. A negotiated rate replaces both tiers and does not expire.
Every payment records the fee it was charged, at the rate that applied the moment it happened. So a rate change from today changes nothing about yesterday: your old transactions, reports and exports stay exactly as they were.
Talk to us: payments@xendlypay.com.
What we do not charge for
- Failures. A declined prompt, an expired prompt, a wrong PIN, an empty wallet: no fee. You pay when you get paid.
- Webhooks and retries. However many times we have to reach your endpoint.
- API calls. No charge for reads. Poll within reason.
- Dashboard users. No per-seat anything.
Money going out costs the same as money coming in