Pricing
Build free in sandbox. Pay only for what moves in production.
Plans
SELF SERVE
Ideal for solo developers, MVPs, and early-stage platforms testing infrastructure.
120 requests/min
STARTER PLUS
For growing micro-merchants and startups with active transaction volume.
500 requests/min
POPULAR
For scaling platforms, proptechs, marketplaces, and active digital businesses.
1,500 requests/min
INSTITUTIONAL
For regulated fintechs, digital banks, and institutional payroll platforms.
5,000 requests/min
Pricing version 2026-10-01 · effective 1 Oct 2026
Fee estimator
Estimate verified collection and NIP payout fees across every Paddle plan.
₦300.00
for a ₦50,000.00 collection
You save ₦100.00 versus Starter.
This estimate uses the current public pricing schedule. Taxes, partner costs, foreign exchange, and bespoke commercial terms may change the final charge.
Complete matrix
Swipe horizontally to compare all plans →
| Rail | Starter | Growth | Enterprise |
|---|---|---|---|
Checkout Gateway (Web, Mobile & POS) Hosted & Inline Gateway · per settled checkout session | 2.0% (cap ₦2,000) | 1.5% (cap ₦2,000) | 1.35% (cap ₦2,000) |
Virtual NUBAN Collections Money Movement · per inbound bank transfer | 0.8% (cap ₦400) | 0.6% (cap ₦330) | 0.5% (cap ₦300) |
Instant NIP Express Payouts Money Movement · per transfer | ₦80.00 | ₦70.00 | ₦65.00 |
Batch Payroll Disbursements Money Movement · per recipient row | ₦70.00 | ₦60.00 | ₦55.00 |
Virtual USD Visa / Mastercard Cards & Issuing · per card created | $3.50 + 1.2% | $3.00 + 0.85% | $2.50 + 0.65% |
Virtual NGN Mastercard Cards & Issuing · per card created | ₦1,500 + 0.75% | ₦1,200 + 0.5% | ₦1,000 + 0.35% |
BVN Identity Verification Identity & KYB · per verification call | ₦75.00 | ₦65.00 | ₦55.00 |
NIN / vNIN Verification Identity & KYB · per verification call | ₦85.00 | ₦75.00 | ₦65.00 |
CAC Advance Corporate Registry Lookup Identity & KYB · per company report | ₦350.00 | ₦290.00 | ₦250.00 |
Transactional SMS (Corporate Sender ID) Telecom & 2FA · per delivered SMS with DND bypass | ₦6.50 | ₦5.75 | ₦5.25 |
Dual-Channel Text-to-Speech Voice OTP Call Telecom & 2FA · per delivered phone call | ₦16.00 | ₦14.00 | ₦12.00 |
Open Banking Account Linking Open Banking · per connected bank account | ₦180.00 | ₦150.00 | ₦125.00 |
Authenticated Bank Statement Pull Open Banking · per statement generated | ₦120.00 | ₦100.00 | ₦85.00 |
USDT/USDC Off-Ramp & FX Swap Crypto & FX · per swap executed | 1.5% spread | 1.2% spread | 0.8% spread |
Multi-Currency Corridor OTC Swap (7 Live Spreads) Crypto & FX · per corridor conversion | 0.35% spread | 0.25% spread | 0.20% spread |
Airtime & Utilities Gateway VAS & Utilities · per vending call | 2.0% discount | 2.5% discount | 3.0% discount |
Milestone Escrow Contracts Escrow & Trust · per released escrow transaction | 0.5% | 0.4% | 0.25% |
Kenya M-Pesa Collections (Paybill / Till / STK Push) 🇰🇪 Money Movement · per inbound M-Pesa collection | 1.9% (cap KSh 250) | 1.7% (cap KSh 200) | 1.55% (cap KSh 180) |
Kenya M-Pesa Disbursements & Payouts (B2C) 🇰🇪 Money Movement · per Safaricom payout | KSh 50.00 | KSh 42.00 | KSh 38.00 |
Kenya National ID & KRA PIN Verification 🇰🇪 Identity & KYB · per citizen/tax verification | KSh 55.00 | KSh 45.00 | KSh 40.00 |
Ghana MoMo Collections (MTN, Telecel, AT) 🇬🇭 Money Movement · per inbound MoMo payment | 1.95% (cap GH₵ 35) | 1.75% (cap GH₵ 28) | 1.60% (cap GH₵ 25) |
Ghana MoMo & GhIPSS Instant Payouts 🇬🇭 Money Movement · per instant disbursement | GH₵ 5.00 | GH₵ 4.20 | GH₵ 3.80 |
Ghana Card & TIN Identity Verification 🇬🇭 Identity & KYB · per NIA verification | GH₵ 5.50 | GH₵ 4.50 | GH₵ 4.00 |
South Africa Instant EFT Collections (Ozow) 🇿🇦 Money Movement · per EFT payment | 1.95% (cap R 65) | 1.75% (cap R 50) | 1.60% (cap R 45) |
South Africa RTC Real-Time Clearing Payouts 🇿🇦 Money Movement · per RTC interbank transfer | R 18.00 | R 14.50 | R 12.50 |
South Africa National ID & CIPC Registry Lookup 🇿🇦 Identity & KYB · per DHA/CIPC check | R 8.50 | R 6.80 | R 6.00 |
US Domestic ACH & Fedwire Direct Inbound/Outbound 🇺🇸 Money Movement · per ACH / Fedwire transfer | $1.00 + 1.2% (cap $15) | $0.80 + 0.9% (cap $10) | $0.50 + 0.7% (cap $8) |
Eurozone SEPA & SEPA Instant Credit Transfer 🇪🇺 Money Movement · per SEPA transfer | €1.00 + 1.0% (cap €10) | €0.80 + 0.8% (cap €6) | €0.50 + 0.6% (cap €5) |
UK Faster Payments (FPS) & BACS Direct Rail 🇬🇧 Money Movement · per FPS / Bacs transfer | £1.00 + 1.0% (cap £10) | £0.80 + 0.8% (cap £6) | £0.50 + 0.6% (cap £5) |
Global USD Cards, Apple Pay & Google Pay Acquiring 🇺🇸 🌍 Global Acquiring · per settled global USD card transaction | 3.5% + $0.30 | 3.2% + $0.25 | 2.9% + $0.20 |
Global EUR Cards, Apple Pay & SEPA Acquiring 🇪🇺 Global Acquiring · per settled EUR card / SEPA transaction | 3.2% + €0.25 | 2.9% + €0.20 | 2.5% + €0.15 |
Global GBP Cards & UK Instant FPS Acquiring 🇬🇧 Global Acquiring · per settled GBP card transaction | 3.2% + £0.20 | 2.9% + £0.18 | 2.5% + £0.15 |
Global Buy Now Pay Later (Klarna, Afterpay, Affirm) 🛍️ Global Acquiring · per settled BNPL installment transaction | 5.5% + $0.30 | 4.9% + $0.30 | 4.5% + $0.25 |
Pan-African ambition. Worldwide connections.
From a local launch to cross-border growth, bring collections, accounts, payouts and treasury together. Choose the products and payment routes that fit your business and destination.
Connect your African business to customers, teams and suppliers through payouts to 150+ countries.
Dedicated global accounts in 18 currencies, with supported local clearing such as ACH, SEPA and Faster Payments.
Combine international accounts and FX with market-specific products — including Nigerian NUBANs, NIP transfers and local bill payments.
Availability depends on the product, country, currency, partner coverage and business verification. Nigerian NUBAN and NIP services are domestic rails, not worldwide payment methods.
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Payout countries
0
Account currencies
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Live APIs
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Nigerian banks & wallets
0
Integration
Getting started
Create a sandbox account
Access test credentials and integration tools.
Build with test data
Simulate deposits, payouts and webhooks.
Complete KYB
Submit your business documents for review.
Go live
Switch to live keys and start moving money.
Paddle Build Studio
Build for Africa and the world. Our team can deliver your fintech, web or mobile product in 2–3 weeks — or integrate Paddle APIs and build it yourself.
Security
Encryption everywhere
TLS 1.2+ in transit, AES-256 at rest.
Licensed partners
Banking services through licensed partners; Nigerian accounts through CBN-licensed banks.
Data protection
Data safeguards and privacy controls, including NDPA/NDPR requirements for Nigeria.
Signed webhooks
HMAC-SHA256 signatures on every event.
Trusted by teams building on Paddle APIs
