Pay as you go
From 1.25%
per successful payment, no monthly fee
- Every payment method
- Unlimited transactions
- Full API, webhooks and SDKs
- Free sandbox to test before you go live
- Analytics dashboard
- Payment links and invoicing
- Priority support
Pay only when you get paid
No setup fees, no monthly subscriptions and no surprises. One transparent rate for each payment method.
Resellers
Your markup
earn on every transaction you bring
- Set your own markup on top of base rates
- Earnings accrue automatically per transaction
- Onboard and manage your own merchants
- Reseller dashboard and payout reports
- API access under your account
- Dedicated partner support
Enterprise
Custom
volume pricing for high-throughput businesses
- Discounted volume rates
- Dedicated account manager
- Custom integrations and host to host
- SLA guarantees
- White-label checkout
- USDT settlement options
Transaction fees
All rates are a percentage of the payment, with a small minimum fee.
| Payment method | Rate | Minimum fee | Settlement |
|---|---|---|---|
| Mobile money | |||
 Wave | 1.25% | D1.00 | About 30 minutes |
 Afrimoney | 1.25% | D1.00 | About 30 minutes |
 QMoney | 1.25% | D1.00 | About 30 minutes |
 APS | 1.25% | D1.00 | About 30 minutes |
| Bank and cards | |||
 Bank transfer | 1.25% | D10.00 | Next business day |
 Visa | 7.5% | D7.00 | 2 to 3 business days |
 Mastercard | 7.5% | D7.00 | 2 to 3 business days |
| Stablecoins and internal | |||
 USDT and USDC | 1.0% | D10.00 | Instant |
 Modem Pay to Modem Pay | Free | None | Instant |
Questions about pricing
Can't find your answer? Email info@modempay.com.
Are there any setup or monthly fees?
No. There are no setup fees and no monthly subscriptions. You only pay a percentage when a payment succeeds.
How quickly are funds settled?
Mobile money settles in about 30 minutes and stablecoin payments settle instantly. Bank transfers settle the next business day, and card payments take 2 to 3 business days.
Are refunds charged?
We only pass on the provider's fee for refunds. We don't add anything on top.
Is there a minimum transaction volume?
No. Whether you process 1 or 100,000 payments a month, the same rates apply. If you process high volumes, talk to us about enterprise pricing.
Ready when your customers are
Create an account in minutes and test with sandbox keys today. Go live once your business is verified.