Buyers pay
+2.5%
added on top of the agreed item price.
Sellers receive
−2.5%
deducted from the agreed item price on payout.
Worked examples
Exactly what the bot calculates for a few common amounts (in FCFA).
| Agreed price | Buyer pays | Seller receives |
|---|---|---|
| 5,000 | 5,125 | 4,875 |
| 20,000 | 20,500 | 19,500 |
| 50,000 | 51,250 | 48,750 |
| 100,000 | 102,500 | 97,500 |
The 5% covers the Mobile Money network's own processing charges on both the deposit and the payout, plus FiapPay's operating costs. A small minimum transaction amount applies so that fees never consume the whole payment.
Transaction limits & account tiers
Limits protect everyone and keep us compliant. Verify your business to unlock higher limits.
Tier 1
Standard
- Per transaction50,000
- Per day150,000
No verification needed, start instantly.
Tier 2
Verified Business
- Per transaction500,000
- Per day2,000,000
Complete KYC verification with our team.
Tier 3
Enterprise
- Per transactionCustom
- Per dayCustom
High-volume merchants, talk to us.
All amounts in FCFA (XAF). To upgrade your tier, message support from the bot menu. FiapPay may adjust limits to comply with regulations or risk policy.
What you'll never pay
See the exact numbers for your sale
Create a test bill, the bot shows the buyer charge and your payout instantly, with no obligation.
Start on WhatsApp