Pay per transaction.
Nothing else.
No setup fees, no monthly minimums, no charge for declined payments. You pay one transparent fee on successful transactions — capped, so large payments never cost more than they should.
One transparent rate per transaction.
Every plan runs on the same integration and the same global rails. Pick the rate that fits your volume today — move up as you grow, no migration required.
International
per successful transaction
Standard
Standardper successful transaction
Growth
per successful transaction
Enterprise
per successful transaction
Enterprise
Customnegotiated for your volume and mix
All rates apply to successful transactions only. Currency shown per plan; enterprise agreements can add market-specific tiers where volume justifies them.
Every plan ships the full platform.
The fee is the price — there are no feature tiers to unlock. Fraud screening, the ledger, the API and global rails come standard on day one.
The products behind every transaction.
Your rate unlocks the full QoinPay stack — acquiring, orchestration and risk work together on every charge, with no add-on line items.
QGate
One integration for cards, transfers, virtual accounts, USSD, QR and mobile money — with a checkout that adapts to the payer's country.
Explore QGate AcquiringQRoute
Every charge is steered to the best gateway by country, currency, method and amount — with automatic failover when a rail degrades.
Explore QRoute RiskQShield
Pre-authorization screening — velocity checks, thresholds, blacklists and geo signals — on every transaction, included at no extra cost.
Explore QShieldPricing you can reconcile in a single line.
One fee, deducted before settlement. What lands in your account is already net — nothing to invoice, nothing to chase.
Pricing questions, answered.
When am I charged the fee?
Only when a transaction succeeds. The fee is deducted before settlement, so what lands in your account is already net — no invoices to reconcile. Declined, expired and abandoned payments cost nothing.
How does the fee cap work?
Where a plan carries a cap, the combined percentage-plus-flat fee never exceeds it, whatever the transaction size. A large invoice pays the capped amount, not an unbounded percentage.
What do refunds and chargebacks cost?
Refunds carry no additional QoinPay fee — we return the transaction amount from your balance. Chargebacks incur the scheme-imposed dispute fee only, passed through at cost with no markup.
Do rates change when I expand to new countries?
Your plan applies platform-wide. Local rails in new markets are covered by the same integration and the same fee schedule; enterprise agreements can add market-specific tiers where volume justifies them.
Start free. Pay when you get paid.
Test mode is free forever. Go live when you are ready and pay only on successful transactions.