QuataPay
Legal

Fee & commission structure

All platform fees are disclosed before transaction confirmation. Government tax (4 XAF) only applies to withdrawals.

QuataPay Fee & Commission Structure (Developer-Ready, Final)

This document is formatted to be saved as a PDF or Word file for developers.

1. Withdrawals

Agents earn up to 35–40% of the Platform Fee (tiered). Fixed 4 FCFA government tax per withdrawal. Final tiers are set from the admin dashboard.

Withdrawal Amount (FCFA)Platform FeeUser Pays (Fee + 4 FCFA)Agent Share (50%)QuataPay Revenue (50%)
100 - 10,000150 FCFA flat1547575
10,001 - 100,0001.3%(amount × 1.3%) + 4amount × 0.65%amount × 0.65%
100,001 - 300,0001.2%(amount × 1.2%) + 4amount × 0.6%amount × 0.6%
300,001 - 500,0000.7%(amount × 0.7%) + 4amount × 0.35%amount × 0.35%

2. Internal Transfers (P2P within QuataPay)

ServicePlatform FeeNotes
User-to-User Transfer0 FCFAFree transfers; clearly show 0 fee

3. Bill Payments (Utilities & Services)

Bill TypeAmount Range (FCFA)Platform Fee (User Pays)
ENEO Postpaid1 - 5,000100
5,001 - 10,000200
10,001 - 25,000400
25,001 - 50,000500
50,001 - 1,000,0001,000
ENEO Prepaid1 - 10,000100
10,001 - 20,000200
20,001 - 50,000350
50,001 - 100,000500
100,001 - 1,000,000700
Camwater1 - 10,000100
10,001 - 20,000200
20,001 - 50,000350
50,001 - 100,000500
100,001 - 1,000,000700

4. Merchant Payments (POS / Online)

Payment TypeCustomer PaysPlatform Fee (Charged to Merchant)
In-Store POS / QRFree0.8% of transaction
Online CheckoutFree1.0% of transaction
High-Volume EnterpriseFree≤1.0% (negotiated)

5. Subscriptions / Recurring Payments

Subscription TypeUser PaysPlatform Fee
User-Paid RecurringSubscription price% per billing cycle (e.g., 1%)
Provider-Paid RecurringSubscription price% charged to provider (e.g., 0.5%)

6. Other Services

ServicePlatform FeeNotes
Airtime Purchase0 FCFAEncourage usage
Balance Inquiry0 FCFAFree
Failed/Rejected Transaction0 FCFARefund any fee
Account Closure1,000 FCFA (optional)One-time fee
API Integration for MerchantsPercent or flat (per contract)Billed separately

7. Fee Display & Transparency (Developer Instruction)

  • Always show Platform Fee in all transaction screens.
  • Include 4 FCFA Government Tax only for withdrawals.
  • Summary box before confirmation must show:
    • Amount
    • Platform Fee
    • Government Tax (if applicable)
    • Total Paid / Total Charged
    • Net Received (for withdrawals)

Example (Withdrawal):

Withdrawal Amount: 50,000 FCFA Platform Fee: 650 FCFA Government Tax (TTA): 4 FCFA

Total to Pay: 50,654 FCFA Net Cash Received: 50,000 FCFA [Confirm Withdrawal]

  • Internal Transfers: Always show 0 FCFA Platform Fee.
  • Bill Payments & Merchant Payments: Show Platform Fee before confirming.

This document is formatted to be exported as a PDF or Word file for developer use.