specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: MyFatoorah
providerId: myfatoorah
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Payment Gateway
- KNET
- mada
- Fintech
- Plans
description: >-
  MyFatoorah does not sell API access as tiered SaaS subscriptions; it monetizes
  as a payment aggregator through per-transaction processing fees that vary by
  payment method and country, plus a merchant onboarding/KYC process. There is no
  charge for calling the REST API itself - you pay a percentage (and/or fixed fee)
  on each successful collection. Published third-party figures put KNET around 2%
  and international cards around 3.5% in Kuwait, but MyFatoorah states rates are
  negotiable by volume and differ per country and method, so the entries below are
  representative and NOT reconciled against an official rate card. Merchants apply,
  complete KYC, and receive method-level rates in their agreement.
notes: >-
  Rates are illustrative and unreconciled. Confirm current per-method, per-country
  pricing directly with MyFatoorah sales during onboarding. Sandbox access
  (apitest.myfatoorah.com) is free with a public demo token.
sources:
- https://myfatoorah.com/
- https://docs.myfatoorah.com/docs/get-started
- https://bilixe.com/listing/myfatoorah/
plans:
- id: myfatoorah-sandbox
  name: Sandbox / Test
  type: free
  description: >-
    Free test environment on apitest.myfatoorah.com using a published demo
    Bearer token and test cards. No real funds move; full API surface is
    available for integration testing.
  entries:
  - label: Sandbox API Access
    name: sandbox_access
    type: usage
    metric: requests
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: free
    userMultiplied: false
  elements:
  - name: Full API Surface
  - name: Test Cards
  - name: Public Demo Token
- id: myfatoorah-merchant
  name: Merchant (Per-Transaction)
  type: usage
  description: >-
    Live merchant account after KYC. No subscription or per-call API fee; revenue
    is a processing fee taken per successful transaction, varying by payment
    method (KNET, mada, Benefit, Visa/Mastercard, Amex, Apple Pay, etc.) and
    country. Rates are negotiable by volume.
  entries:
  - label: KNET Transaction Fee (Kuwait, representative)
    name: knet_fee
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: KW
    unit: 1
    price: ~2% per transaction (representative, unreconciled; negotiable)
    userMultiplied: false
  - label: International Card Fee (representative)
    name: card_fee
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: ~3.5% per transaction (representative, unreconciled; negotiable)
    userMultiplied: false
  - label: Local Scheme Fee (mada / Benefit / Meeza / OmanNet)
    name: local_scheme_fee
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: per-country rate set in merchant agreement (unreconciled)
    userMultiplied: false
  elements:
  - name: Multi-Country Collection
  - name: Payment Aggregation
  - name: Marketplace Split Settlement
  - name: Invoicing and Payment Links
- id: myfatoorah-enterprise
  name: Enterprise / Negotiated
  type: enterprise
  description: >-
    Volume merchants and platforms negotiate custom per-method rates, settlement
    terms, and marketplace/supplier arrangements. Contact MyFatoorah.
  entries:
  - label: Negotiated Agreement
    name: enterprise
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: global
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: Custom Volume Rates
  - name: Settlement Terms
  - name: Dedicated Support
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com