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.
If a transaction is refunded
FiapPay used to absorb the cost of a refund and return everything the buyer had paid. That has changed. Fees are now non-refundable once a payment has been processed, and FiapPay no longer absorbs the Mobile Money charges a refunded transaction has already run up.
A refund returns the agreed price, net of four deductions. Nothing here is a surprise charge: the bot tells you the exact refund amount for your transaction before you pay. Type Fees.
What is deducted
- The 2.5% buyer fee already inside what you paid2.5%
- Mobile Money collection charge, already paid on your deposit2.0%
- Mobile Money charge for sending the refund back to you1.0%
- FiapPay refund-handling fee1.0%
Each rate applies to the agreed item price. Three of the four are charges the Mobile Money networks and our aggregator have already taken; the fourth covers handling the reversal.
What you get back
| Agreed price | You paid | Refund |
|---|---|---|
| 5,000 | 5,125 | 4,800 |
| 20,000 | 20,500 | 19,200 |
| 50,000 | 51,250 | 48,000 |
| 100,000 | 102,500 | 96,000 |
A partial split after mediation is computed on exactly the same basis. Read the full policy in our Terms of Service, section 14.
Why we changed it. A refund is not a cancelled payment: the money has already travelled. The networks charge us to collect it and charge us again to send it back, and those charges are not returned to us when a deal falls through. Rather than raise the 5% for everyone, the cost now sits with the transaction that caused it. A normal release still costs exactly 5%, as it always has.
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
Running a marketplace? Add your own commission on top.
The same 5% applies when escrow runs inside your own app through our public API, and your commission sits on top of it, in francs, entirely yours. We never take a percentage of what you charge. Whatever your model is, you send us the amount and we handle every payout.
| Your model, 100,000 item | Buyer pays | Vendor gets | FiapPay keeps | You keep |
|---|---|---|---|---|
| No commission | 102,500 | 97,500 | 5,000 | 0 |
| 10%, vendors only | 102,500 | 87,500 | 5,000 | 10,000 |
| 10%, buyers only | 112,500 | 97,500 | 5,000 | 10,000 |
| 5% + 5%, both sides | 107,500 | 92,500 | 5,000 | 10,000 |
Every row balances exactly: vendor + FiapPay + you equals what the buyer paid. No stranded francs, whole francs throughout. Volume tiers below 5% are agreed per platform.
Read the API documentation →See the exact numbers for your sale
Create a test bill, the bot shows the buyer charge and your payout instantly, with no obligation.
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