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Minisend charges one flat fee: 1% per completed payment. No setup fee, no monthly subscription, no per-API-call charges. Expired and failed payments cost nothing. You only pay when money lands.

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Who pays the fee

In most flows the fee is added to your customer’s total, so you receive exactly the amount you set.
The M-Pesa payment link is the one collection where the fee is on you instead of the customer, the trade-off for customers paying a clean round figure. If your margins are tight, price it in or use a checkout session instead.

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Worked examples

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Exchange rates

Conversions use the live market rate at the moment of settlement. The rate applied to each payment is reported as exchange_rate on the session, in every webhook, and on the receipt. The 1% fee is Minisend’s only charge on top of it.

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What you’re never charged

  • No setup or onboarding fee.
  • No monthly subscription.
  • No per-API-call charge.
  • No fee on expired sessions. No deposit, no charge.
  • No fee on failed settlements.
  • No surcharge for cross-chain deposits, USDT, or bridging.

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High volume

Processing serious volume? Custom rates are available. Talk to us on Telegram with your expected monthly volume, currencies, and use case.