Pricing
Pay only when
you get paid
No setup fees. No monthly subscriptions. No surprises.
Starter
Free
to get started
- Up to 50 transactions/mo
- Mobile money only
- Basic dashboard
- Email support
- Sandbox access only
Most popular
Growth
Pay-as-you-go
per transaction
- Unlimited transactions
- All payment channels
- Webhooks & API access
- Priority support
- Sandbox + staging
- Analytics dashboard
Enterprise
Custom
contact sales
- Volume pricing
- Dedicated account manager
- Custom integrations
- SLA guarantees
- Host-to-Host option
- White-label checkout
Transaction fees
Detailed rate breakdown
All rates are a percentage of transaction value, with a small minimum fee.
| Payment method | Rate | Min fee | Settlement |
|---|---|---|---|
| Wave | 1.5% | D1.00 | ~30 minutes |
| APS | 1.2% | D1.00 | ~30 minutes |
| Afrimoney | 1.2% | D1.00 | ~30 minutes |
| QMoney | 1.0% | D1.00 | ~30 minutes |
| Bank Transfer | 1.25% | D2.00 | Next day |
| Visa | 3.5% | D5.00 | 2–3 days |
| Mastercard | 3.5% | D5.00 | 2–3 days |
| USDC | 1.0% | D1.50 | Instant |
| USDT | 1.0% | D1.50 | Instant |
| Modem Pay → Modem Pay | Free | — | Instant |
Frequently asked questions
Are there any setup or monthly fees?
No. Modem Pay has zero setup fees and zero monthly subscriptions. You only pay a small percentage when a transaction succeeds.
How quickly are funds settled?
Mobile money and stablecoin payments settle instantly. Bank transfers settle next business day. Card payments take 2–3 business days.
Are refunds charged?
Modem Pay does not charge a fee for refunds. The original transaction fee is not returned, however.
Is there a minimum transaction volume?
No minimum. Whether you process 1 or 100,000 transactions per month, the same transparent rates apply.