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Z9Pay

Pricing

Every fee, written down.

The rate and our fee are always shown separately, as naira amounts, before you confirm anything.

All figures illustrative until launch

Personal pricing

International payments

Illustrative
International payments fees
ItemPrice
Pay in USD or CNYMinimum ₦2,500. Shown before you confirm.0.5%
Exchange rateLocked for 30 seconds while you review.Shown live
OTC desk (above ₦50m)Named dealer, rate agreed on the call.Quoted per deal
Recipient bank chargesSome receiving banks deduct their own fee.₦0 from us

Crypto swap

Illustrative
Crypto swap fees
ItemPrice
USDT to nairaRate and fee shown before you confirm.0.3%
Naira payout to your bankTo any Nigerian bank account in your name.Free
Network fee on depositPaid on the chain you send from, not to us.Set by network

Virtual cards

Illustrative
Virtual cards fees
ItemPrice
Create a dollar cardOne-off. Up to 3 active cards.$2
Fund the cardRate shown before you fund.1%
Monthly maintenanceWaived on months with no transactions.$0.50
Declined transactionWe will never charge for a decline.Free

Bills and airtime

Illustrative
Bills and airtime fees
ItemPrice
Airtime and dataPay face value.Free
Cable TV and electricityPer payment.₦100
JAMB, WAEC, NECO e-PINsPer PIN.₦150

Get started

Pay your first supplier this week.

Sign up with your BVN and ID. Most accounts are verified same day.

Store links go live at launch.

Paying more than ₦50m a month?

Get a named dealer and same‑day settlement.

Talk to sales