Paystack fees

Paystack's published rates for Egypt, Ghana, Kenya, Nigeria and South Africa, as we checked them. Each fee is worked out at three amounts, so you can see where a fixed fee or a cap starts to matter.

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Paystack fees in Egypt

Paystack fees in Egypt by payment method, with the fee worked out on EGP 100, EGP 1,000 and EGP 10,000.
Applies to	Rate	Fee on EGP 100	Fee on EGP 1,000	Fee on EGP 10,000	Settlement time	Limits
Any method	2.7% + EGP 2.50 Provider fee page, 22 Oct 2026 Meeza cards: 2.0% + EGP 2.5. Egypt is an invite-only private beta; settlement time is not published.	EGP 5.20	EGP 29.50	EGP 272.50	Not yet verified	Up to EGP 10,000,000 API errors: transaction amount limit, 24 Oct 2026
Customers pay by international card	3.5% + EGP 2.50 Provider fee page, 22 Oct 2026 Egypt is an invite-only private beta; settlement time is not published.	EGP 6.00	EGP 37.50	EGP 352.50	Not yet verified	Up to EGP 10,000,000 API errors: transaction amount limit, 24 Oct 2026

Paystack fees in Ghana

Paystack fees in Ghana by payment method, with the fee worked out on GHS 100, GHS 1,000 and GHS 10,000.
Applies to	Rate	Fee on GHS 100	Fee on GHS 1,000	Fee on GHS 10,000	Settlement time	Limits
Any method	2% Provider fee page, 22 Oct 2026 Settlement: next working day.	GHS 1.95	GHS 19.50	GHS 195	1 day Desk research, 22 Oct 2026	Up to GHS 10,000,000 API errors: transaction amount limit, 24 Oct 2026
Customers pay by international card	2% Provider fee page, 22 Oct 2026 Settlement: next working day.	GHS 1.95	GHS 19.50	GHS 195	1 day Desk research, 22 Oct 2026	Up to GHS 10,000,000 API errors: transaction amount limit, 24 Oct 2026

Paystack fees in Kenya

Paystack fees in Kenya by payment method, with the fee worked out on KES 1,000, KES 10,000 and KES 100,000.
Applies to	Rate	Fee on KES 1,000	Fee on KES 10,000	Fee on KES 100,000	Settlement time	Limits
Customers pay by M-Pesa	1.5% Provider fee page, 22 Oct 2026 Settlement: 2 working days.	KES 15	KES 150	KES 1,500	2 days Automated payouts, 24 Oct 2026	Up to KES 10,000,000 API errors: transaction amount limit, 24 Oct 2026
Customers pay by card	2.9% Provider fee page, 22 Oct 2026 Settlement: 2 working days.	KES 29	KES 290	KES 2,900	2 days Automated payouts, 24 Oct 2026	Up to KES 10,000,000 API errors: transaction amount limit, 24 Oct 2026
Customers pay by international card	3.8% Provider fee page, 22 Oct 2026 Settlement: 2 working days.	KES 38	KES 380	KES 3,800	2 days Automated payouts, 24 Oct 2026	Up to KES 10,000,000 API errors: transaction amount limit, 24 Oct 2026

Paystack fees in Nigeria

Paystack fees in Nigeria by payment method, with the fee worked out on ₦5,000, ₦50,000 and ₦500,000.
Applies to	Rate	Fee on ₦5,000	Fee on ₦50,000	Fee on ₦500,000	Settlement time	Limits
Any method	1.5% + ₦100, capped at ₦2,000 Provider fee page, 22 Oct 2026 ₦100 waived on payments under ₦2,500. Dedicated virtual accounts: 1%, capped at ₦300. Settlement: next working day.	₦175	₦850	₦2,000	1 day Desk research, 22 Oct 2026	Up to ₦10,000,000 API errors: transaction amount limit, 24 Oct 2026
Customers pay by international card	3.9% + ₦100 Provider fee page, 22 Oct 2026 Amex: 4.5%. Settlement: next working day.	₦295	₦2,050	₦19,600	1 day Desk research, 22 Oct 2026	Up to ₦10,000,000 API errors: transaction amount limit, 24 Oct 2026

Paystack fees in South Africa

Paystack fees in South Africa by payment method, with the fee worked out on R100, R1,000 and R10,000.
Applies to	Rate	Fee on R100	Fee on R1,000	Fee on R10,000	Settlement time	Limits
Any method	2.9% + R1.00 Provider fee page, 22 Oct 2026 Settlement: 2 working days.	R3.90	R30.00	R291	2 days Desk research, 22 Oct 2026	Up to R10,000,000 API errors: transaction amount limit, 24 Oct 2026
Customers pay by bank	2% Provider fee page, 22 Oct 2026 EFT. Settlement: 2 working days.	R2.00	R20.00	R200	2 days Desk research, 22 Oct 2026	Up to R10,000,000 API errors: transaction amount limit, 24 Oct 2026
Customers pay by international card	3.1% + R1.00 Provider fee page, 22 Oct 2026 Settlement: 2 working days.	R4.10	R32.00	R311	2 days Desk research, 22 Oct 2026	Up to R10,000,000 API errors: transaction amount limit, 24 Oct 2026

How these fees are worked out

Each fee applies the published rate to the amount in the column heading, including any fixed fee, minimum or cap. Conditions in the notes, such as a waiver below a minimum or a cheaper rate at higher volume, can change what you pay. VAT and other taxes, setup and monthly fees and payout charges are not included, so check them on Paystack's own pages before you sign up.

Where these rates come from

Provider fee page, 22 Oct 2026 · Open source