Fees & Limits

What each product costs, the smallest and largest amounts it accepts, who pays, and when the charge is taken. Figures are the standard terms; your Partner Agreement takes precedence where it differs.

Read limits from the API where you can

Payout limits and withdrawal chains change by corridor and environment. Where an endpoint is listed below, call it at runtime instead of hard-coding the number.

Virtual Cards

item	amount	who pays, and when
Card creation	$1.00 per card	Your company wallet, when the card is created
Card funding	$1.00 flat below $100; 1% of the load at $100 and above	Your company wallet, on each top-up
Cross-border transaction	2.5% + $0.50	On any transaction made outside the United States
Contactless transaction	0.25% per transaction	Card balance, on each tap-to-pay transaction
Chargeback	$60.00 flat	When a cardholder disputes a transaction
Declined authorisation	First free; $0.75 for the 2nd and 3rd	Your company USD wallet. The card is terminated on the 3rd

Full rules: Card fees and decline policy. Per-card operation limits (one top-up per 30 seconds, one withdrawal per 60 seconds) are under Rate Limits.

Payouts

item	detail
Fee	Returned on every quote as fees (major units) and cent_fees (minor units), in fee_currency, before you commit.
Minimum and maximum	Per country and rail. Call GET /api/payouts/limits, or read limits on each rail from GET /api/payouts/supported-countries/:country
Exchange rate	Locked on the quote as exchange_rate.rate; effective_rate includes the spread

Limits for the main African corridors, as returned by the API:

country	rail	minimum	maximum
Nigeria	bank	₦500	₦50,000,000
Ghana	bank, mobile_money	GHS 20	GHS 15,000
Kenya	mobile_money, paybill, paytill	KES 20	KES 250,000
Uganda	mobile_money	UGX 37,000	UGX 5,000,000
Tanzania	bank, mobile_money	TZS 100	TZS 3,000,000
Rwanda	mobile_money	RWF 100	RWF 10,000,000
Zambia	mobile_money	ZMW 100	ZMW 20,000
South Africa	bank	ZAR 20	ZAR 1,800,000

Virtual Accounts (NGN)

item	detail
Collection fee	None
Deposit limits	None per deposit, per day or per month
Crediting time	Within 10 minutes of the transfer, barring delays at the sending bank

Stablecoins

item	detail
Minimum deposit	$1
Withdrawal fee	$1 on every chain, charged on top in the currency withdrawn. Sending 1 USDC debits 2 USDC
Minimum withdrawal	$1
Maximum withdrawal	None. Large amounts go to manual review
Daily / monthly limit	None

Trading

item	detail
NGN pairs, per trade	₦500 – ₦10,000,000
NGN pairs, daily / monthly	None
Crypto pairs	No daily or monthly cap. Each quote has a maximum size (50 BTC on BTC pairs)
Spread	The quoted price includes the spread. Compare buy_rate, sell_rate and mid_rate on GET /api/exchange-rates to see it.

Not listed here

For Lightning, bulk transfers, and any volume-based pricing, contact your account manager or sales.