Estimate your cost
Based on NectPay's live rail and FX engine — the same logic running in our developer demo.
NectPay fee
£750.00
All-in fee
Included
Total estimated cost
£750.00
vs. 8.5% market average
£3,500 saved
Estimate only — based on confirmed settlement network fees for this corridor. Actual cost depends on FX market conditions at time of transfer and your contracted plan rate. FX margin (0.7–1.2% depending on corridor and plan) is additional and disclosed before every payout confirmation.
Choose your plan
All plans include the full API, FX optimisation engine, and embedded compliance. Higher volume unlocks lower per-transaction pricing and dedicated support.
Standard
For teams getting started with Africa payouts.
1.5% per transaction
All-in fee — no separate network charge · No setup fee
- ✓ Full API access, all 20+ markets
- ✓ FX optimisation engine
- ✓ Embedded compliance (KYC/AML)
- ✓ Standard rail routing & fallback
- ✓ Email support
- ✓ No monthly minimum
Most popular
Scale
For platforms processing regular payout volume.
1.0% per transaction
All-in fee — no separate network charge · No monthly minimum
- ✓ Everything in Standard
- ✓ Guaranteed delivery SLAs
- ✓ Priority rail routing
- ✓ Webhook + dashboard reporting
- ✓ Dedicated Slack support channel
- ✓ Volume-based FX margin discount
Enterprise
For large platforms with custom corridor or compliance needs.
From 0.7% per transaction
Custom pricing based on volume & corridors
- ✓ Everything in Scale
- ✓ Custom SLA terms
- ✓ Compliance-as-a-service (white-label)
- ✓ Dedicated account manager
- ✓ Custom corridor onboarding
- ✓ Quarterly business reviews
What's in the fee, exactly
Two components make up the total cost of a payout. We show you both, every time — before you send.
| Component | Standard | Scale | What it covers |
|---|---|---|---|
| NectPay transaction fee | 1.5% | 1.0% | API access, compliance screening, FX optimisation, rail routing, and support |
| FX margin | ~0.9–1.2% | ~0.7–0.9% | Disclosed spread above the best available wholesale rate — shown before you confirm, never hidden in the exchange rate |
| All fees — all-in | One combined percentage | NectPay's transaction fee and all network costs are combined into a single all-in percentage shown before every payout confirmation. No separate line items, no surprises at settlement. What you see is what you pay. | |
All fees are shown as a single all-in percentage before every payout confirmation — NectPay's transaction fee and all network costs combined. Nigeria, Kenya, and Ghana: one number, no line items, no surprises. Sub-Saharan Africa's market average cost to send is 8.45–8.78% (World Bank, 2026) — NectPay's all-in fee is designed to sit meaningfully below that on every supported corridor.
Pricing questions
Is the FX margin really disclosed upfront?
Yes. Before you confirm a payout, the API response includes the exact effective rate being used and how it compares to the best available wholesale rate at that moment — the same transparency you see in our live developer demo.
What happens if a payout fails?
NectPay's routing engine automatically retries through the next-best available rail at no additional transaction fee. You're only charged once funds are confirmed delivered.
Are there setup or monthly minimum fees?
No setup fee on any plan. Standard and Scale have no monthly minimum. Enterprise plans are quoted based on expected volume and may include a committed minimum in exchange for lower per-transaction pricing — this is always discussed and agreed before signing.
How is pricing different across corridors?
The NectPay transaction fee and FX margin tiers are the same across all corridors. The rail fee component varies slightly by destination market, since it's passed through from the underlying bank or mobile money provider — see our per-corridor pages (starting with UK → Nigeria) for exact figures.
Can I move between plans?
Yes — you can upgrade from Standard to Scale as your volume grows, with pricing adjusting from your next billing cycle. Enterprise plans are negotiated directly with our team.
Ready to see your actual rate?
Run a real payout through our live demo, or talk to us about your volume.