Pricing
A small fee, split fairly between both sides.
The buyer pays a sender fee on top of the escrow amount at checkout. The seller pays a smaller receiver fee deducted from their payout. Both sides share the cost of trust.
Buyer pays
+1%
added at checkout
Total fee
1.5%
split across both
Seller deducted
−0.5%
from payout
On the free Starter plan · Wallet-to-wallet transfers always free
Individuals & freelancers
Starter
Use harrenapay on any deal with no monthly fee. The cost is split fairly between buyer and seller.
+ 1% sender · 0.5% receiver
₦200,000 daily · ₦1,000,000 monthly
Create free account- 1.0% sender fee (₦100 min, ₦5,000 cap)
- 0.5% receiver fee (₦50 min, ₦2,500 cap)
- ₦200,000 daily · ₦1M monthly limit
- Standard support, replies within 24 hours
Growing businesses
Growth
Lower fees and higher limits for teams that close deals regularly.
+ 0.8% sender · 0.4% receiver
₦1,000,000 daily · ₦10,000,000 monthly
Start Growth- 0.8% sender fee (₦4,000 cap)
- 0.4% receiver fee (₦2,000 cap)
- ₦1M daily · ₦10M monthly limit
- Priority support, replies within 4 hours
Enterprise & high-volume
Business
The lowest fee tier and highest limits, built for serious transaction volume.
+ 0.7% sender · 0.3% receiver
₦5,000,000 daily · ₦50,000,000 monthly
Start Business- 0.7% sender fee (₦3,000 cap)
- 0.3% receiver fee (₦1,500 cap)
- ₦5M daily · ₦50M monthly limit
- Dedicated support, 1-hour response SLA
- Developer API access
Enterprise
Custom plan for high-volume platforms
For high-volume platforms that need custom contracts, dedicated infrastructure and bespoke onboarding.
- Custom volume pricing
- Dedicated account manager
- 99.99% uptime SLA
- SOC 2 reports on request
- Sandbox & migration help
- Cross-border FX desk
Fee calculator
See exactly what each side pays.
Type any amount and choose a plan to see the split between buyer and seller.
Starter plan
Cost breakdown
- Escrow amount
- ₦100,000
- Sender fee (1% — buyer pays extra)
- + ₦1,000
- Buyer pays at checkout
- ₦101,000
- Receiver fee (0.5% — deducted from payout)
- − ₦500
- Seller receives (approx.)
- ₦99,500
Every plan includes the essentials.
Whichever plan you choose, you get the trust and security harrenapay is built on.
Funds held safely
Buyer money sits with our licensed payment partner until release.
Built-in disputes
Independent mediation on every deal, typically resolved in 24 hours.
KYC verification
BVN, NIN and document checks on every account.
Realtime notifications
Email, SMS and webhook events on every status change.
Other fees
Everything else, clearly priced.
No surprise charges. Every fee is listed here before you transact.
| Service | Fee |
|---|---|
| Wallet funding (bank transfer) | 0.3%, capped at ₦300 |
| Wallet-to-wallet transfer | Free |
| Withdrawal to bank | ₦25 + ₦50 stamp duty on amounts ≥ ₦10,000 |
| Individual account onboarding | ₦499 one-time |
| Business account onboarding | ₦799 one-time |
Stamp duty is a Nigerian government levy, not a harrenapay charge. Wallet-to-wallet transfers are always free — keeping transactions within harrenapay saves both parties money.
Pricing questions
How does the split fee work?
The buyer pays a sender fee on top of the escrow amount at checkout. The seller pays a smaller receiver fee deducted from their payout. Both sides share the cost of trust fairly.
What does the fee cover?
Card and transfer processing, payout to the seller's bank or wallet, fraud screening, dispute mediation and platform costs. No hidden extras.
Are there setup or hidden fees?
No hidden fees. There is no onboarding fee. You only pay the per-transaction split fee on completed escrows. No monthly fee on Starter.
Can I switch plans later?
Yes, upgrade or downgrade any time from your dashboard. Changes take effect immediately.
What about bank transfer and wallet fees?
Wallet-to-wallet transfers are always free — both parties save by keeping funds within harrenapay. Withdrawals to a bank account cost ₦25 plus a ₦50 government stamp duty on amounts ₦10,000 and above.
What happens to a disputed transaction?
Funds stay locked in escrow until our mediation team resolves the case, typically within 24 hours. No fee is charged on cancelled or refunded deals.
Pay anyone. Sell to anyone.
Create your free account in minutes. Verification is quick, and your first protected transaction is closer than you think.