specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Moniepoint
providerId: moniepoint
created: '2026-05-24'
modified: '2026-05-24'
reconciled: false
tags:
  - Payments
  - Nigeria
  - Fintech
  - Monnify
description: >
  Plans and per-transaction pricing for the Monnify developer platform and Moniepoint POS acquiring. Monnify
  publishes its current commercial rates in the dashboard at app.monnify.com after sign-up; the figures here
  reflect the typical published structure (card / transfer / USSD on collections, flat fee on disbursements
  capped per transfer). Customers should confirm rates with their Monnify account manager.
sources:
  - https://moniepoint.com/payments
  - https://app.monnify.com
  - https://developers.monnify.com
plans:
  - id: monnify-standard
    name: Monnify Standard
    type: usage-based
    description: Default merchant plan for businesses using Monnify Checkout, Reserved Accounts, and Disbursements.
    entries:
      - label: Card collection fee (local)
        name: card_collection_local
        type: metered
        metric: percent
        unit: 1
        price: '1.50'
        timeFrame: usage
        geo: NG
        description: Percentage fee on local Nigerian card collections, capped per transaction.
      - label: Card collection cap (local)
        name: card_collection_local_cap
        type: metered
        metric: NGN
        unit: 1
        price: '2000'
        timeFrame: usage
        geo: NG
        description: Maximum per-transaction fee on local card collections.
      - label: International card collection fee
        name: card_collection_international
        type: metered
        metric: percent
        unit: 1
        price: '3.80'
        timeFrame: usage
        geo: global
        description: Percentage fee on international card collections.
      - label: Bank transfer collection fee
        name: bank_transfer_collection
        type: metered
        metric: percent
        unit: 1
        price: '0.50'
        timeFrame: usage
        geo: NG
        description: Percentage fee on bank-transfer collections via reserved accounts, capped per transaction.
      - label: Bank transfer collection cap
        name: bank_transfer_collection_cap
        type: metered
        metric: NGN
        unit: 1
        price: '500'
        timeFrame: usage
        geo: NG
      - label: USSD collection fee
        name: ussd_collection
        type: metered
        metric: percent
        unit: 1
        price: '1.50'
        timeFrame: usage
        geo: NG
      - label: NIP transfer (below NGN 5,000)
        name: nip_transfer_small
        type: metered
        metric: NGN
        unit: 1
        price: '10'
        timeFrame: usage
        geo: NG
        description: Flat NGN fee per transfer below NGN 5,000.
      - label: NIP transfer (NGN 5,000 - 50,000)
        name: nip_transfer_mid
        type: metered
        metric: NGN
        unit: 1
        price: '25'
        timeFrame: usage
        geo: NG
      - label: NIP transfer (above NGN 50,000)
        name: nip_transfer_large
        type: metered
        metric: NGN
        unit: 1
        price: '50'
        timeFrame: usage
        geo: NG
  - id: monnify-enterprise
    name: Monnify Enterprise
    type: usage-based
    description: Negotiated enterprise plan with custom rates, custom contract codes, and dedicated account management.
    entries:
      - label: Custom card collection fee
        name: card_collection_custom
        type: metered
        metric: percent
        unit: 1
        price: 'custom'
        timeFrame: usage
        geo: NG
      - label: Custom transfer collection fee
        name: bank_transfer_collection_custom
        type: metered
        metric: percent
        unit: 1
        price: 'custom'
        timeFrame: usage
        geo: NG
      - label: Custom disbursement fee
        name: disbursement_custom
        type: metered
        metric: NGN
        unit: 1
        price: 'custom'
        timeFrame: usage
        geo: NG
  - id: moniepoint-pos-acquiring
    name: Moniepoint POS Acquiring
    type: usage-based
    description: POS terminal acquiring plan for merchants accepting in-person card and bank-transfer payments.
    entries:
      - label: POS card transaction fee
        name: pos_card_collection
        type: metered
        metric: percent
        unit: 1
        price: '0.50'
        timeFrame: usage
        geo: NG
        description: Percentage fee on POS card transactions, capped per transaction.
      - label: POS card transaction cap
        name: pos_card_collection_cap
        type: metered
        metric: NGN
        unit: 1
        price: '300'
        timeFrame: usage
        geo: NG
      - label: POS terminal rental
        name: pos_terminal_rental
        type: subscription
        metric: terminal
        unit: 1
        price: 'custom'
        timeFrame: month
        geo: NG
        description: Optional monthly fee depending on merchant plan and acquiring volume.