Fees and settlement
3.1% on money you successfully collect, dropping to 2.3% after 3 months. Nothing else: no monthly fee, no setup fee, no minimum, no charge for failures.
Two rates, and the second one is automatic
| Rate | When | |
|---|---|---|
| Standard | 3.1% | Your first 3 months of live processing |
| Loyalty | 2.3% | Everything after that |
The clock starts at your first successful live payment, not at signup and not at approval. Three of those four dates would reward waiting around; only this one measures the thing the discount is for, which is having actually processed money with us.
Nothing to claim
Genuinely large volume gets its own rate, negotiated, and a negotiated rate beats both of the above, including the loyalty one, so nobody who talked us down ever gets moved back up.
The whole price list
| Cash in | 3.1%, then 2.3% after 3 months |
| Cash out | Free |
| Withdrawals | Free |
| Failed or cancelled payments | Free |
| Refunds | Free to send. The original collection fee is not returned |
| Test mode | Free, unlimited |
| Monthly fee | None |
| Setup fee | None |
| Minimum volume | None |
What that looks like
| Customer pays | You keep at 3.1% | You keep at 2.3% | Difference |
|---|---|---|---|
| 1,000 RWF | 969 RWF | 977 RWF | +8 RWF |
| 5,000 RWF | 4,845 RWF | 4,885 RWF | +40 RWF |
| 20,000 RWF | 19,380 RWF | 19,540 RWF | +160 RWF |
| 100,000 RWF | 96,900 RWF | 97,700 RWF | +800 RWF |
| 1,000,000 RWF | 969,000 RWF | 977,000 RWF | +8,000 RWF |
The customer always pays the amount you asked for. The fee comes out of what we owe you, so there is never a surcharge to explain at checkout.
Rounded down, always
Settlement
| Fee taken | The moment a collection succeeds |
| Money available | 24 hours after the collection succeeded |
| Payouts and withdrawals | Seconds, from available balance |
| Cut-off | None. The clock runs per payment, not per day. |
Each payment matures on its own 24-hour clock, so a payment at 23:55 is available at 23:55 the next day, not on some batch that runs at dawn. Balance and withdrawals follows a single payment all the way through.
If your volume is real
The rate is per merchant, not per platform, and it is negotiable at volume. The plumbing for that already exists, so a different rate is a setting on your account rather than a project. A negotiated rate replaces both tiers and does not expire.
Every payment records the fee it was charged, at the rate that applied the moment it happened. So a rate change from today changes nothing about yesterday: your old transactions, reports and exports stay exactly as they were.
Talk to us: payments@xendlypay.com.
What we do not charge for
- Failures. A declined prompt, an expired prompt, a wrong PIN, an empty wallet: all free. You pay when you get paid.
- Webhooks and retries. However many times we have to reach your endpoint.
- Test mode. Every simulated payment, forever.
- API calls. Reads are free. Poll within reason.
- Dashboard users. No per-seat anything.
One thing that is not free