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.
Who pays the fee
In most flows the fee is added to your customer’s total, so you receive exactly the amount you set.
| How you get paid | Fee | Who pays it |
|---|
| Crypto payment → KES, GHS, UGX payout | 1% | Your customer. The quoted total is grossed up; you net the amount you set |
| Crypto payment → NGN payout | 0% | No one. Conversion margin is in the rate |
| M-Pesa on a checkout session | 1% | Your customer. The payment prompt shows the fee-inclusive total |
| M-Pesa on a payment link | 1% | You. The customer pays exactly the KES they type; the fee comes out of your settlement |
| Wallet withdrawal to M-Pesa | 1% | You. The recipient gets the amount you type; your wallet is debited about 1% more |
| Payroll payouts | Free | Introductory pricing |
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.
Worked examples
| Scenario | Customer pays | You receive |
|---|
| Crypto payment link for 100 USDC, KES payout | 101.01 USDC | The full KES value of 100 USDC at the live rate |
| Checkout session for 10 USDC, paid via M-Pesa (rate 130.5) | KES 1,319: KES 1,305 for your payment plus the KES 14 fee | 10 USDC |
| M-Pesa payment link, customer types KES 1,000 (rate 130) | Exactly KES 1,000 | The USDC value of KES 990, about 7.62 USDC |
| Wallet withdrawal of KES 10,000 | — | Recipient gets exactly KES 10,000; your wallet is debited the USDC value of KES 10,100 |
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.
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.
High volume
Processing serious volume? Custom rates are available. Talk to us on Telegram with your expected monthly volume, currencies, and use case. 
