Fees and limits by product

What each product costs, the smallest and largest amounts it accepts, who pays, and when the charge is taken. These are the standard terms. Where your Partner Agreement differs, the agreement applies.

Payout limits and withdrawal chains vary by corridor and environment. Where a row names an endpoint, 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 balance, when the card is created
Card funding	$1.00 flat below $100; 1% of the load at $100 and above	Your company balance, on each top-up, including the opening amount at creation
Cross-border transaction	2.5% + $0.50	On any transaction made outside the United States
Contactless transaction	0.25% per transaction	On each tap-to-pay transaction
Chargeback	$60.00 flat	When a cardholder disputes a transaction
Declined authorization	First free; $0.75 for the 2nd and 3rd	By default the card is terminated on the 3rd. The limit is set per company, from 1 to 10

Limit	Value
Minimum per top-up	$2
Maximum per funding transaction	$2,500
Maximum card balance	$50,000
Top-ups on a card	One every 120 seconds per card
Withdrawals from a card	Up to $2,500, one every 300 seconds per card, leaving at least $1 on the card
Freeze or unfreeze	One status change every 30 seconds per card

Full rules: Fees and decline rules and Fund a card.

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. Call Payout limits, or read the limits on each rail from Country requirements.
Exchange rate	Locked on the quote as `exchange_rate.rate`. `effective_rate` includes the spread.

Limits for the live corridors, as Payout limits returns them:

Country	Currency	Minimum	Maximum
Nigeria	NGN	500	50,000,000
Ghana	GHS	20	15,000
Kenya	KES	20	250,000
Uganda	UGX	37,000	5,000,000
Rwanda	RWF	100	10,000,000
The Gambia	GMD	10	50,000
Cameroon	XAF	100	1,000,000
Gabon	XAF	200	500,000
Senegal	XOF	100	200,000
Ivory Coast	XOF	100	2,000,000
Niger	XOF	500	500,000,000
United States	USD	1	10,000,000

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. Smaller deposits are not processed.
Withdrawal fee	$1 on every chain, charged on top in the currency withdrawn. Sending 1 USDT debits 2 USDT.
Minimum withdrawal	$1
Maximum withdrawal	None
Daily or monthly limit	None

Trading

Item	Detail
NGN pairs, per trade	₦500 to ₦10,000,000
NGN pairs, daily or monthly	None
Crypto pairs	No daily or monthly cap. Each quote has a maximum size (50 BTC on BTC pairs), and an order must be at least 1.0 USDC or the equivalent.
Spread	Included in the quoted price. The gap between `buy_rate` and `sell_rate` from Get single-pair rate shows it.

Not listed here

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

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Bitcoin

Stablecoins

Trading

Payouts

Card issuing

Virtual accounts

Fees and limits by product

Virtual cards

Payouts

Virtual accounts (NGN)

Stablecoins

Trading

Not listed here

​Virtual cards

​Payouts

​Virtual accounts (NGN)

​Stablecoins

​Trading

​Not listed here

Virtual cards

Payouts

Virtual accounts (NGN)

Stablecoins

Trading

Not listed here