Pricing & Fees

Understanding 100Pay Fees

A clear breakdown of transaction fees, payout fees, staking yields, loan interest rates, and card fees on the 100Pay platform.

Updated 14 March 2026·Pricing & Fees

Understanding 100Pay Fees

100Pay aims to keep fees transparent and competitive. This article covers the main fee categories across the platform.

Note: Fee rates may change. Check the Pricing page for the most up-to-date information.

Payment collection fees

When customers pay your business through 100Pay:

| Payment method | Fee | |---|---| | Checkout (crypto) | 1% of transaction value | | Checkout (fiat) | 1.5% of transaction value | | Payment Links | Same as Checkout | | Invoice payments | Same as Checkout | | QR Codes | Same as Checkout |

Fees are deducted from the settled amount before it reaches your Checkout Balance.

Payout and withdrawal fees

| Payout type | Fee | |---|---| | NGN bank transfer (local) | ₦50 flat fee | | International wire transfer | Varies by bank / ~$10–$25 | | Crypto withdrawal | Network gas fee (variable) |

Currency conversion fees

When 100Pay converts crypto to NGN or between assets, a conversion spread of approximately 0.5–1.5% is applied on top of the real-time market rate. The exact spread is shown before you confirm any conversion.

Staking yields (Finance)

100Pay pays the following approximate APRs for staked assets:

| Asset | APR | |---|---| | PAY (PayToken) | 24.00% | | NGN | 20.00% | | USDC | 10.00% | | SOL | 7.00% | | ETH | 6.00% | | BTC | 5.00% |

Interest accrues daily and is paid at maturity or compounded if you enable Auto Restake.

Loan interest rates (Finance)

Loans are secured by your staked assets. Interest rates vary by duration:

| Duration | Monthly interest rate | |---|---| | 30 days | ~16.80% | | 60 days | ~14.40% | | 90 days | ~12.60% | | 180 days | ~11.00% | | 360 days | ~9.60% |

Early repayment is allowed and no early repayment penalty applies.

Card fees

| Card type | Fee | |---|---| | Local Verve (physical) | Ordering fee + annual maintenance fee | | Local Verve (virtual) | Low or zero issuance fee | | Global VISA | Issuance fee + monthly maintenance | | Prepaid Card | Funded upfront; no monthly fee |

Check the Cards section of the dashboard for exact current pricing.

No hidden fees

100Pay does not charge:

  • Account opening fees
  • Monthly account maintenance fees (for standard accounts)
  • Inactivity fees

If you're ever unsure about a charge on your account, contact support with the transaction reference.

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