Can I pass the transaction charges to my customers?

At the moment, Paystack does not allow merchants to automatically pass transaction charges to customers.  Since we do not offer this feature, this is something you (the merchant) will have to achieve on your end. 

There are two ways you achieve this:

  • You can mark-up your prices, so you get close the amount you want to receive.
    So instead of charging N5,000, you can charge N5,200, which would come down to N5,022 after deducting our transaction charges at 1.5% + NGN 100.
  • Alternatively, you can design your platform in such a way that a charge is applied right before the customer has to pay. This can be achieved using a simple formula:
    For local transactions N2,500 and above:

    ({Payment Amount} + N100) / (1 – 0.015) = Final Amount

    For local transactions below N2,500:

    {Payment Amount} / (1 – 0.015) = Final Amount

    For international cards (merchant receiving Naira)

    ({Payment Amount} + N100) / (1 – 0.039) = Final Amount

    For international cards (merchant receiving USD)

    {Payment Amount} / (1 – 0.039) = Final Amount

    The "Final Amount" is the amount you should pass to your customers.  Using the formula above, for a transaction that costs N5,000, your customer will pay N5,177.66.  This will come down to exactly N5,000 once we deduct transaction charge at 1.5% + N100.

Very Important

Please note that since our charges for local transactions are capped at N2,000, the charges passed to your customer should also be capped at N2,000 as well.

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