Developer Infrastructure Tools

Interactive financial modeling tools, cryptographic validation utilities, and API benchmarks designed specifically for African fintech and software developers.

Financial MathLive Tool

Payment Processing Fee Calculator

Real-time transaction fee estimator with multi-provider comparison, cap evaluation, and net payout modeling across Nigerian gateways.

Launch Tool →

Security & TestingRoadmap

Webhook Signature Verifier

Cryptographic HMAC-SHA512 and SHA256 signature validator for Paystack, Flutterwave, Monnify, and Squad webhook payloads.

In Active Development

InfrastructureRoadmap

Virtual Account Settlement Latency

Real-time NIP transfer settlement latency tracker across dynamic virtual account and bank transfer providers.

In Active Development

Reference DataRoadmap

African Currency & Market Reference

Standardized minor units, ISO 3166-1 alpha-2 country codes, and central bank clearing timelines across African markets.

In Active Development

Quick Fee Estimator (Nigeria)

Test transaction calculations with integer basis point precision. For deep modeling, visit the dedicated fee calculator page →

Transaction Parameters

Benchmark gross transaction costs, fee caps, and net merchant payouts across verified gateway pricing rules.

Quick Presets:

Gross transaction amount

Gross transaction value paid by customer before gateway fee deduction.

Market & Currency

Nigerian Naira (NGN)Nigeria

Launch scope verified for the Nigerian market.

Payment Rail / Channel

Select the payment collection rail schedule to compare.

Provider ScopeFilter results to a specific gateway or benchmark all.

Amount: ₦100,000.00Channel: Domestic Cards (Visa, Mastercard, Verve)Market: Nigeria (NGN)

Monnify offers the lowest verified processing fee (1.50% • ₦1,500.00).

Monnify

Verified Schedule

★ LOWEST PROCESSING FEE

Processing Fee₦1,500.00

1.50% effective

Net Merchant Settlement₦98,500.00

Gross (₦100,000.00) − Fee (₦1,500.00)

Fee Structure & Applied Rules

1.50%
Maximum fee cap: ₦2,000.00

Paystack

Verified Schedule

Processing Fee₦1,600.00

1.60% effective

Net Merchant Settlement₦98,400.00

Gross (₦100,000.00) − Fee (₦1,600.00)

Fee Structure & Applied Rules

1.50% + ₦100.00 fixed fee
Fixed fee waived below ₦2,500.00
Maximum fee cap: ₦2,000.00

Flutterwave

Verified Schedule

Processing Fee₦2,000.00

2.00% effective₦2,000.00 Cap Reached

Net Merchant Settlement₦98,000.00

Gross (₦100,000.00) − Fee (₦2,000.00)

Fee Structure & Applied Rules

2.00%
Maximum cap reached (₦2,000.00)

Financial Transparency & Methodology

Standard Published Rates: Calculations reflect standard published fee schedules verified directly from official provider documentation for Nigeria. High-volume merchants may qualify for custom negotiated pricing.
Taxes (VAT): Nigerian Value Added Tax (7.5%) is legally charged on payment gateway processing fees and is billed separately by providers.
Settlement & Disbursements: These figures represent collections processing fees. Outbound payout/disbursement transfer charges to Nigerian bank accounts (e.g. ₦10–₦50) are billed upon withdrawal.
Integer Precision: All fee calculations execute with pure integer minor-unit arithmetic (kobo) via the Tofali domain calculation engine.