Honest Pricing

Only pay for
what you actually use.

No subscriptions. No monthly fees. No surprises.
Simple per-transaction rates — and zero cost to get started.

RWF 0 setup fee  ·  RWF 0 monthly fee  ·  Pay only when you get paid
Fee Schedule

Every fee, in plain sight

No asterisks. No footnotes. Here's exactly what you pay for each operation.

Collection — Mobile Money
MTN Mobile Money
4 %

Applied per transaction when a customer pays via MTN MoMo. The customer receives a USSD push — payment confirmed in seconds.

Instant settlement to your V-Pay wallet
Collection — Card
Visa / Mastercard
4 %
RWF 30 fixed fee per transaction

Percentage fee plus a small fixed charge per card transaction. Covers international card network processing costs.

3D Secure included
Collection — Payment Link
Shareable Payment Links
5 %

Share a link via WhatsApp, email, or QR code. No integration needed — customers pay instantly. Higher rate covers the hosted checkout infrastructure.

QR code included
Transfer — V-Pay Wallet
Move money from your V-Pay wallet
0 %

Internal wallet transfers are completely free. Move funds between V-Pay accounts at no cost, any time.

Always free — no hidden charges
Disbursement — Bank / Mobile
Send money out (payout)
500 RWF
per transfer

Flat fee per disbursement transaction — whether you're sending RWF 1,000 or RWF 10,000,000. No percentage, no surprises. Covers mobile money and bank transfer payouts.

Same flat fee regardless of amount
Setup & Onboarding
RWF 0 to get started.
No setup fee. No monthly subscription. No minimum volume. Pay only when you process a transaction.
Create Free Account Talk to Sales
No monthly fee
No setup cost
No minimum volume
99.9% Uptime
How It Works

Exactly when you get charged

Fees are deducted automatically so you never need to top up a balance or prepay.

1

Customer pays

Via MTN MoMo, card, or a payment link — their funds hit V-Pay instantly.

2

Fee is deducted

The collection fee (4% or 5%) is automatically subtracted from the transaction amount.

3

Net lands in wallet

Your V-Pay wallet is credited with the net amount in real time — visible in your dashboard.

4

Disburse when ready

Send funds to bank or mobile at any time. RWF 500 flat fee per disbursement — regardless of size.

Full Fee Reference

Every charge at a glance

A complete breakdown of all fees — nothing hidden.

Operation Method Fee Notes
Collecting Payments (Inbound)
Payment collection MTN Mobile Money 4% Per successful transaction
Payment collection Visa / Mastercard 4% + RWF 30 Percentage + fixed fee per transaction
Payment collection Payment Link 5% Includes hosted page & QR code
Moving Money (Transfers)
Internal transfer V-Pay wallet → wallet RWF 0 Always free, instant
Disbursement Wallet → Bank / Mobile RWF 500 Flat fee per transaction, any amount
Account & Setup
Account setup Onboarding RWF 0 Free to sign up, sandbox ready instantly
Monthly subscription All plans RWF 0 No recurring fee — ever
Custom / volume pricing Enterprise Negotiated Contact sales for volume-based rates
Enterprise & Volume

Processing at scale? Let's talk custom rates.

Standard fees apply to all accounts. If your monthly volume justifies it, our sales team can negotiate custom collection rates and disbursement terms directly with you.

Custom collection rate below 4%
Reduced or capped disbursement fees
Dedicated account manager
99.9% uptime SLA & priority support
Custom settlement schedule
Contact Sales

Get a custom quote

Tell us your monthly transaction volume and we'll put together a tailored proposal within 24 hours. No obligation.

Request a Proposal

Average response time: under 4 hours on business days

Start Today — Free

Zero setup. Zero monthly fee.
First payment in under 24 hours.

Join 1,200+ Rwandan merchants who trust V-Pay to move their money.

Create Free Account Talk to Sales