Pricing
Simple plans for every kind of transaction.
Start free, upgrade as you grow. Save 20% when you pay yearly.
For Buyers
Shop safely on any marketplace, social store or P2P deal.
For everyday shoppers
Buyer Basic
Pay safely on any marketplace or peer-to-peer deal.
+ 0.9% per transaction
Create account- Up to ₦250k per escrow
- Buyer protection
- Email & SMS alerts
- Standard dispute window
For frequent buyers
Buyer Plus
Unlock higher limits, faster releases and priority support.
+ 0.5% per transaction
Start Plus- Up to ₦5M per escrow
- Priority dispute team
- Auto-release rules
- Virtual NGN card
- 24/7 chat support
For Sellers
Get paid on delivery — no chargebacks, no chasing buyers.
For freelancers & solo sellers
Seller Starter
Get paid on completion with a single secure link.
+ 1.5% per payout
Start free- Unlimited escrow links
- Milestone payments
- Bank & mobile money payouts
- Basic invoicing
For growing online stores
Seller Pro
Scale with lower fees, team access and a hosted storefront.
+ 1.0% per payout
Upgrade to Pro- Up to 5 team members
- Hosted checkout page
- Customer dispute portal
- Tier 2 KYC
- Same-day settlement
For Merchants
Powerful APIs for marketplaces, fintechs and B2B platforms.
For SMEs & marketplaces
Merchant Growth
Embed escrow into your platform with a clean REST API.
+ 0.8% per transaction
Start Growth- Full API & webhooks
- Up to 25 team members
- Multi-currency wallets
- Split payouts to vendors
- Branded dashboards
For high-volume platforms
Merchant Enterprise
Custom contracts, dedicated infra and bespoke onboarding.
+ Custom volume pricing
Contact sales- Unlimited transaction size
- Dedicated account manager
- 99.99% uptime SLA
- SOC 2 reports
- Sandbox & migration help
- Cross-border FX desk
Every plan includes the essentials.
Whichever plan you choose, you get the trust and security HarrenaPay is built on.
Bank-grade escrow
Funds in segregated, regulated accounts.
Built-in disputes
Independent mediation on every deal.
KYC verification
BVN, NIN and document checks.
Realtime notifications
Email, SMS and webhook events.
Pricing questions
Are there any setup fees?
No. You only pay the per-transaction fee on completed escrows. Plan subscriptions are optional.
Can I switch plans later?
Yes — upgrade or downgrade any time from your dashboard. We prorate the difference automatically.
What happens to a disputed transaction?
Funds stay locked in escrow until our mediation team resolves the case, typically within 24 hours.
Do you support cross-border payments?
Yes. Merchant plans include multi-currency wallets and FX between NGN, GHS, KES, ZAR and USD.
Ready to make every transaction safer?
Create a free HarrenaPay account in minutes — no setup fees, no monthly minimums. Pay only when you transact.