Two simple tiers based on monthly volume. No setup fees, no monthly minimums, no surprise charges.
Pay only when you collect money. No setup fee, no monthly minimum.
Rates apply in your local currency — KES, UGX, or TZS. Card is the most expensive (the network takes a cut); paybill is the cheapest because the float settles directly to our clearing account.
| Channel | Starter | Growth |
|---|---|---|
| M-Pesa STK Push | 1.5% | 0.9% |
| M-Pesa C2B (paybill) | 1.0% | 0.6% |
| MTN MoMo / Airtel / Tigo Pesa | 1.5% | 0.9% |
| Card (Visa, Mastercard) | 2.9% + local fee | 2.3% + local fee |
| Bank transfer | 0.6% | 0.4% |
| Payouts to mobile money | from KES 15 / UGX 600 / TZS 700 | lower at volume |
| Refunds | Free | Free |
No. You only pay per successful payment.
At payment time. The fee is locked in based on the rate that was in effect when the payment was created — historical totals stay consistent if your rate changes.
Refunds are free. The original platform fee is retained by TeronaPay (matching Stripe's model). For a full refund with fee reimbursement, contact support.
Yes — over 100K transactions/month qualifies for bespoke per-channel rates. Email sales@teronapay.com.
No. The rate you see is the only fee we charge. Mobile money network pass-through fees (if any) are billed to you directly by the network — we never mark them up.
Free to sign up. Pay only when you collect.
