Paystack Fee Calculator Nigeria
Calculate exact processing rates, ₦2,000 cap limits, and gross-up invoices in NGN.
- ₦100 Fee Waiver: Automatically waived on transactions under ₦2,500.
- ₦2,000 Hard Cap: Maximum transaction fee is legally capped at ₦2,000.
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
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Client Invoice Message Generator (Nigeria) ▼
Frequently Asked Questions (Paystack Nigeria)
How does Paystack's ₦2,000 fee cap work in Nigeria? ▼
Paystack caps all local transaction fees at a maximum of ₦2,000 per transaction, regardless of the payment size. For example, a ₦1,000,000 transaction would normally incur ₦15,100 under the standard 1.5% + ₦100 formula, but with Paystack's cap, the merchant is only charged ₦2,000.00.
When is the ₦100 fixed fee waived on Paystack Nigeria? ▼
The ₦100 flat fee is automatically waived on all local transactions below ₦2,500. For an invoice of ₦2,000, the fee is simply 1.5% (₦30.00), with zero flat fee added.
What is the exact Paystack Gross-Up formula for Nigeria? ▼
Because of the ₦2,500 waiver and ₦2,000 cap, Paystack gross-up invoicing follows 3 mathematical zones: 1) Below ₦2,462.50 net: Gross = Net / 0.985. 2) Between ₦2,462.50 and ₦124,666.67 net: Gross = (Net + 100) / 0.985. 3) Above ₦124,666.67 net: Gross = Net + ₦2,000 (since the fee is capped). FeeFlow calculates this 3-tier logic automatically.
What are Paystack payout schedules in Nigeria? ▼
Paystack settles funds automatically into Nigerian commercial bank accounts (GTBank, Zenith, Access, First Bank, Kuda) on the next business day (T+1 rolling schedule) with zero transfer fees.
What are Paystack fees for international credit cards in Nigeria? ▼
International cards (USD, GBP, EUR) incur 3.90% + ₦100 per transaction, and the ₦2,000 fee cap does not apply to international card sales.
Does Paystack support Bank Transfer and USSD checkouts? ▼
Yes. Paystack allows Nigerian customers to pay via direct NIBSS instant interbank transfer or USSD shortcodes at standard local rates (1.50%, capped at ₦2,000).
What dispute and chargeback policies apply to Paystack in Nigeria? ▼
Merchants receive dispute alerts via email and the dashboard, with a 24-to-48 hour window to provide proof of service before funds are reversed.
Are Paystack transaction fees tax-deductible for Nigerian companies? ▼
Yes. Paystack transaction charges are 100% allowable business deductions for Company Income Tax (CIT) filings with the FIRS.