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 (Cash-out)

Agents earn up to 35–40% of the Platform Fee (tiered). A fixed 4 FCFA government levy applies per withdrawal. Final tiers are configured in the admin dashboard and are always disclosed before you confirm. These are the standardized 5 cash-out tiers (they match the public Pricing page and the backend cashout_fee_tiers table).

Withdrawal Amount (XAF)Fee You Pay
0 – 5,000~55 FCFA
5,001 – 10,000150 FCFA
10,001 – 333,3321.15% + 4 FCFA
333,333 – 500,0003,854 FCFA
500,001 – 1,000,0000.65%

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.