> ## Documentation Index
> Fetch the complete documentation index at: https://docs.afarapay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Fees and settlements

> Who pays the transaction fee, and when the money reaches your bank account.

You control two things about the money side of your account. Both live in **Settings > Transaction Fee & Settlements** in the merchant portal.

## Who pays the transaction fee?

> [card] Make customers pay the fee
>
> The fee is added to the amount your customer pays. You receive the full order amount.

> [card] Charge me for the fee
>
> Your customer pays only the order amount. The fee is taken from your settlement.

The widget always shows your customer the total they will pay before they confirm.

## When do I get my money?

Choose when your collections are paid out to your bank account:

* **Instant settlement**: money is settled as payments come in.
* **End of day settlement**: all of the day's payments are settled together.

You can follow every settlement under **Collections Settlements** in the merchant portal. Use **Filter** to find a date, and **Export** to download the list for your accounts.

## What does Afara charge?

Our public pricing at the time of writing is:

| | |
| - | - |
| Transaction fee | **1.5%** of the payment, with local fees capped at NGN 2,000 |
| Integration fee | None |
| Maintenance fee | None |
| Settlement | Free and automatic, within 24 hours |
| Volume discounts | Available on request |

For example, if a customer pays NGN 2,000, the fee is NGN 30 and you are settled NGN 1,970.

> [!NOTE]
>
> Pricing can change, and some merchants have agreed rates. Check [afarapartners.com](https://afarapartners.com) or ask your account manager for your current rates.


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.