Fluide Pay — Pricing

Pay for the infrastructure you need. Nothing more.

Fluide Pay gives you payments, automatic reconciliation, real-time financial visibility, and a path to capital—all in one platform. No hidden fees. Transparent pricing. Pay as you grow.

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No setup fees. No monthly minimums. Cancel anytime.

Opérations de paiement en direct

XOF 42.8M

84%

Réglé

12%

En attente

À traiter

Reçu émis

FP-884391

Rapport de règlement

Books

Pensé pour les réalités de paiement africaines

Ready

Pricing plans

Merchant

Free

Monthly · Free annually

Transaction fee 2.5%

Individuals & micro-businesses

Get Started

Business

15,000 XAF

Monthly · 162,000 XAF (save 10%) annually

Transaction fee 2.5%

SMEs, schools, clinics, agencies

Get Started

Platform

49,900 XAF

Monthly · 539,000 XAF (save 10%) annually

Transaction fee 2.5%

Marketplaces, SaaS platforms, digital platforms

Get Started

Enterprise

Custom

Monthly · Custom annually

Transaction fee Custom

High-volume organizations, institutions, funds, multi-country operators

Contact Sales

What's included

Feature	Merchant	Business	Platform	Enterprise
Payment Collection
Mobile Money (MTN MoMo, Orange Money, M-PESA)
Card Payments (Visa, Mastercard)
Bank Transfers
QR Payments
Payment Links
Checkout
Fluide Books (Embedded Accounting)	Basic	Standard	Advanced	Custom
Automatic Reconciliation
Real-Time Settlement
Transaction Reports	Basic	Standard	Advanced	Custom
Developer APIs
Webhooks
Escrow Payments
Bulk Payouts
Multi-Currency Support
Dedicated Account Manager
Custom Integration
SLA Support

Transaction fees

Collections (accepting payments)

Country	Currency	Mobile Money	Card (Local)	Card (International)
Benin	XOF	2.5%	5.3%	5.3%
Burkina Faso	XOF	2.5%	5.3%	5.3%
Cameroon	XOF	2.5%	5.3%	5.3%
CAR	XOF	2.5%	5.3%	5.3%
Chad	XOF	2.5%	5.3%	5.3%
Côte d'Ivoire	XOF	3.0%	4.0%	5.3%
Egypt	EGP	2.5%	5.3%	5.3%
Equatorial Guinea	XOF	2.5%	5.3%	5.3%
Ethiopia	ETB	2.5%	5.3%	5.3%
Gabon	XOF	2.5%	5.3%	5.3%
Ghana	GHS	2.5%	3.1%	5.3%
Guinea-Bissau	XOF	2.5%	5.3%	5.3%
Kenya	KES	3.4%	3.7%	5.3%
Malawi	MWK	—	5.3%	5.3%
Mali	XOF	2.5%	5.3%	5.3%
Niger	XOF	2.5%	5.3%	5.3%
Nigeria	NGN	—	2.5%*	5.3%
Republic of Congo	XOF	2.5%	5.3%	5.3%
Rwanda	RWF	4.0%	5.3%	5.3%
Senegal	XOF	2.5%	5.3%	5.3%
South Africa	ZAR	—	3.4% + ZAR 1	5.3%
Tanzania	TZS	3.0%	5.3%	5.3%
Togo	XOF	2.5%	5.3%	5.3%
Uganda	UGX	3.5%	5.3%	5.3%
Zambia	ZMW	3.5%	—	—

Nigeria: Card fee capped at NGN 2,000 per transaction.
Other collection markets: 2.5% on the default method where Mobile Money or Card is available, unless listed above.
You choose: Whether the fee is absorbed by your business or added to what the customer pays.

Outbound payments (transfers & withdrawals)

Mobile money payout rates

Country	Fee
Cameroon	1.5%
CAR	XOF 1,500 + 0.5%
Chad	XOF 1,500 + 0.5%
Republic of Congo	XOF 1,500 + 0.5%
Côte d'Ivoire	2.5%
Egypt	1.0% (min EGP 20, max EGP 25) + 0.5%
Ethiopia	USD 4 flat + 0.5%
Gabon	XOF 1,500 + 0.5%
Ghana	2.0%
Guinea-Bissau	XOF 500 + 0.5%
Kenya	KES 100 + 0.5%
Malawi	3.5%
Nigeria	NGN 10 + 0.5% (up to NGN 5,000); NGN 25 + 0.5% (NGN 5,001–50,000); NGN 50 + 0.5% (above NGN 50,000)
Rwanda	RWF 500 + 0.5%
Senegal	2.5%
Tanzania	TZS 500 + 0.5% (under TZS 40,000); 2.0% (TZS 40,000 and above)
Uganda	UGX 1,000 + 0.5% (under UGX 125,000); 1.7% (UGX 125,000 and above)
Zambia	2.5%

Not available for mobile money payout today: South Africa.

Bank transfer rates

Region	Fee
Local Bank Transfer	0.5% – 1.5% (varies by country)
Cross-Border Bank Transfer	1.5% – 3.0% (varies by corridor)

Charged automatically on wallet withdrawals, payroll disbursements, and API transfers.

Pricing note

Transaction fees, payout fees, settlement fees, escrow fees, API fees, provider charges, taxes, and plan availability may vary by country, currency, payment method, provider, transaction type, business category, risk level, and applicable regulations. Coverage may vary by your organisation setup and product. Confirm final corridors during onboarding. Rates may vary by amount tier and corridor. Transaction fees in Nigeria may be subject to VAT — your account team will confirm applicable taxes.

Coverage map

Collections (accepting payments)

Africa — card and mobile money by country

Country	Currency	Mobile Money	Card
Benin	XOF	✓	✓
Burkina Faso	XOF	✓	✓
Cameroon	XAF	✓	✓
CAR	XOF	✓	✓
Chad	XOF	✓	✓
Côte d'Ivoire	XOF	✓	✓
Egypt	EGP	✓	✓
Equatorial Guinea	XOF	✓	✓
Ethiopia	ETB	✓	✓
Gabon	XOF	✓	✓
Ghana	GHS	✓	✓
Guinea-Bissau	XOF	✓	✓
Kenya	KES	✓	✓
Mali	XOF	✓	✓
Niger	XOF	✓	✓
Nigeria	NGN	—	✓
Republic of Congo	XOF	✓	✓
Rwanda	RWF	✓	✓
Senegal	XOF	✓	✓
South Africa	ZAR	—	✓
Tanzania	TZS	✓	✓
Togo	XOF	✓	✓
Uganda	UGX	✓	✓
Zambia	ZMW	✓	✓

International

Country	Currency	Mobile Money	Card
United Kingdom	GBP	—	✓
United States	USD	—	✓

Outbound payments (sending money out)

Africa — bank transfer and mobile money out by country

Country	Currency	Bank Transfer Out	Mobile Money Out
Benin	XOF	✓	✓
Burkina Faso	XOF	✓	✓
Burundi	BIF	✓	—
Cameroon	XAF	✓	✓
Cape Verde	CVE	✓	—
CAR	XOF	✓	✓
Chad	XOF	✓	✓
Côte d'Ivoire	XOF	✓	✓
DRC	CDF	✓	—
Egypt	EGP	✓	✓
Equatorial Guinea	XOF	✓	✓
Ethiopia	ETB	✓	✓
Gabon	XOF	✓	✓
The Gambia	GMD	✓	—
Ghana	GHS	✓	✓
Guinea	GNF	✓	—
Guinea-Bissau	XOF	✓	✓
Kenya	KES	✓	✓
Liberia	LRD	✓	—
Malawi	MWK	✓	—
Mali	XOF	✓	✓
Mozambique	MZN	✓	—
Niger	XOF	✓	✓
Nigeria	NGN	✓	✓
Republic of Congo	XOF	✓	✓
Rwanda	RWF	✓	✓
São Tomé & Príncipe	STN	✓	—
Senegal	XOF	✓	✓
Sierra Leone	SLL	✓	—
South Africa	ZAR	✓	—
South Sudan	SSP	✓	—
Tanzania	TZS	✓	✓
Togo	XOF	✓	✓
Uganda	UGX	✓	✓
Zambia	ZMW	✓	✓
Zimbabwe	ZWL	✓	—

International bank payout from Fluide Pay wallets or the payouts API is not offered today (UK/US card collections are supported; outbound bank there is not).

Frequently asked questions

What is Fluide Pay?

Fluide Pay is the payment infrastructure of the Fluide ecosystem — handling collections, disbursements, and reconciliation across multiple payment methods with embedded accounting.

Who is Fluide Pay for?

Individuals, micro-businesses, SMEs, schools, clinics, agencies, marketplaces, SaaS platforms, digital platforms, institutions, funds, and multi-country operators.

What payment methods does Fluide Pay support?

Mobile Money (MTN MoMo, Orange Money, M-PESA, Airtel Money), Card (Visa, Mastercard), Bank Transfers, QR Payments, and Payment Links.

How much does Fluide Pay cost?

The Merchant plan is free. Business is 15,000 XAF/month. Platform is 49,900 XAF/month. Enterprise is custom. Transaction fees apply per successful transaction.

Are there any hidden fees?

No. All fees are clearly disclosed. You pay your subscription and transaction fees. No setup fees. No monthly minimums.

What is Fluide Books?

Fluide Books is embedded accounting in Fluide Pay — automatically reconciling, categorising, and reporting every transaction. It transforms Fluide Pay from a payment processor into a business intelligence and financial management platform.

Can I choose who pays the transaction fee?

Yes. You can choose whether the fee is absorbed by your business or added to what the customer pays.

Is Fluide Pay available in my country?

Fluide Pay is available in 20+ African countries, with coverage expanding. Check the coverage tables above for your market.

Fluide Pay

Ready to move beyond dumb pipes?

Payments are just the beginning. Fluide Pay gives you payments, automatic reconciliation, real-time financial visibility, and a path to capital—all in one platform.

Payments. Reconciliation. Capital. All in one platform.

One Africa. Connected by Trust.

Get Started View Coverage Contact Sales