Pricing

We show you exactly what it cost.

We will not tell you we are always cheapest — nobody can see every provider or every transaction, so nobody can honestly claim it. What we will do is show every material cost of receiving and settling a payment on one page: reference rate, provider execution, network cost, normalisation cost, FX cost and our fee.

Work it out

Move the slider. That is the whole pricing page.

Everything below this is detail. Set what you receive in a month and you have our fee, the band you land in, and where the next band starts. The band runs from 0.75% down to 0.25%.

$150,000
$5,000$50,000$500,000$2,000,000
$50,000
$1,000$20,000$200,000$1,000,000
0.75%Under $25K
0.50%$25K–$150K
0.35%$150K–$500K
0.25%Above $500K

Your fee

0.35%

On $150,000 to $500,000 a month

Per month—
On a typical transaction—
In basis points—
Per year—
Charged on the conversion, once

Network and normalisation costs are separate lines at what they cost us — typically tens of dollars, not a percentage. If the payment arrives on a directly supported rail, no route is needed and there is no normalisation cost at all.

Illustrative assumptions, not validated pricing. The real bands depend on transaction size, corridor, asset, network, customer volume and operational complexity, and on what custody, conversion and settlement actually cost us at each size. Anyone showing you confident pricing before they hold wholesale quotes is guessing. This page changes when those economics are settled.

The fee is the whole of what we make.

One number, charged once on the conversion, visible before anything moves. It does not have a second, quieter half hidden inside the exchange rate — which is the part of this industry we are reacting to. If we ever do earn from FX spread, that gets disclosed here before it takes effect.

Everything else on the receipt is somebody else’s cost passed through: network cost, normalisation cost, and the partner’s own margin on the conversion. We mark up none of it. Marking up the network cost would quietly make the route choice ours to profit from, which is the opposite of what we are selling.

ON $100,000 ARRIVING INTO A NOMAPAY ACCOUNT
At the reference rate₦150,800,000
Network and normalisation, at cost−₦27,750
Liquidity and execution cost−₦500,000
Nomapay fee, 0.35%−₦526,050
Lands in the account₦149,746,200

Effective rate ₦1,497.46 per USD. The network cost was $18.40 — largely fixed, so it matters at $2,000 and barely registers at $100,000. Illustrative example, not a quote. Shown here in one settlement currency; the same record is produced in whichever one the business banks in.

Honesty

The claims we will not make.

Cheapest in the market

We cannot see every provider or every transaction, so nobody can honestly claim it. What we will say is narrower and true: we show you exactly what it cost to receive and settle the payment.

Zero FX spread

The conversion partner carries a margin. If we repeated that line while settling through them, this whole company would be pointless.

The accurate version: Nomapay adds no markup to the rate, and none to the network cost. We show the reference rate at execution with its source named, the rate the partner actually achieved, the gap between them, the network and normalisation cost, and our fee as a figure in your own currency. Whatever the partner earns sits inside that gap, visible as a total even though nobody outside their books can split it further. Two more we will not write: instant settlement — we publish a typical time from measured history, with a median, a 95th percentile and a failure rate — and any chain, because the honest promise is a defined set of supported assets and networks.

The incentives

How we do not make money.

A route decision is only worth something if the person making it is not paid by the route.

No referral income

Not from custody partners, not from liquidity venues, not from conversion desks. A route chosen by someone the route is paying is worth nothing, and the routing decision is the product. If this ever changes it will be stated here before it takes effect.

No markup on the rate

Our fee is the fee. It does not have a second, quieter half hidden in the exchange rate.

No charge for work not done

If a payment arrives on a directly supported rail, no route is needed and there is no normalisation cost to pass on. Saying so costs us nothing to admit and it is the right answer.

Not yet priced

Tiers and software, later.

Starter, Growth, Scale and Enterprise are the eventual shape — a lower percentage for recurring volume, negotiated pricing above that, and custom terms with SLAs and treasury integrations at the top. We will not launch all four at once, and we will not introduce a second monetisation model before the basic transaction is proven.

Accounting integrations

QuickBooks, Xero and ERP exports, so a settled payment becomes an invoice match and an FX record without anybody retyping it.

Reconciliation exports

CSV, PDF receipts and an API, so you can prove where the money came from, how it moved and what you actually received.

Compliance records

Payer, network, transaction hash, screening outcome and chain of custody for each inflow, written for the person at your bank who asks.

Bring us a payment you had to sort out by hand.

Tell us the network, the asset and roughly the size. We will show what the receipt would have said, what it would have cost, and how long it would have taken.

Talk to us