Fees
The {base, fee, payable} model, the real clamp formulas per flow, and a live slider to make pricing tangible.
Acute's fees are simple and predictable: each fee is a clamp,
min(max(floor, rate × base), ceiling), applied to the base amount, all in kobo.
Some flows carry an Acute fee plus a provider (bank-rail) fee; internal flows carry
only Acute's. No surprises, no percentage that runs away on big amounts.
Drag the slider to see the math move:
acute clamp(₦10, 1%, ₦150) + provider clamp(₦0.50, 0.5%, ₦200)
- Base amount
- ₦15,000.00
- Acute fee
- ₦150.00
- Provider fee
- ₦75.00
- Total fee
- ₦225.00
- Payable amount (payer pays)
- ₦15,225.00
On collection the payer is charged base + fees; your wallet is credited the base. All amounts are kobo on the wire.
For a collection, the payer pays base + fee; your wallet is credited the base.
payableAmount = baseAmount + feeFor a disbursement (transfer, withdrawal, payout item), the fee is debited from the sending wallet alongside the base: the recipient gets the base, you pay the fee.
A payment-creation response surfaces the total fee so there's no guessing:
{
"baseAmount": 500000,
"fee": 7500,
"payableAmount": 507500
}These are the static platform defaults. They're transcribed from the real fee schedule; per-org overrides can replace a clamp, but absent an override you pay exactly these.
| Flow | Acute fee | Provider fee |
|---|---|---|
| Payment | clamp(₦10, 1%, ₦150) | clamp(₦0.50, 0.5%, ₦200) |
| Transfer (wallet → wallet) | clamp(₦10, 1.5%, ₦100) | n/a (internal, no rail) |
| Payout item | clamp(₦10, 1.5%, ₦100) per item | flat ₦20 NIP, per item |
| Withdrawal (wallet → bank) | clamp(₦5, 1%, ₦180) | flat ₦20 NIP |
In kobo, those clamps are:
PAYMENT_ACUTE min 1000 rate 0.01 max 15000 ← ₦10 · 1% · ₦150
PAYMENT_PROVIDER min 50 rate 0.005 max 20000 ← ₦0.50 · 0.5% · ₦200
TRANSFER min 1000 rate 0.015 max 10000 ← ₦10 · 1.5% · ₦100
WITHDRAWAL_ACUTE min 500 rate 0.01 max 18000 ← ₦5 · 1% · ₦180
WITHDRAWAL_PROVIDER flat 2000 ← ₦20 (not a clamp)A ₦5,000 payment (baseAmount: 500000):
- Acute:
clamp(1000, round(0.01 × 500000), 15000)=clamp(1000, 5000, 15000)= 5000 (₦50) - Provider:
clamp(50, round(0.005 × 500000), 20000)=clamp(50, 2500, 20000)= 2500 (₦25) - Total fee 7500 (₦75); payer pays
507500(₦5,075.00); your wallet is credited500000(₦5,000.00).
A ₦200 transfer (amount: 20000), the floor bites:
clamp(1000, round(0.015 × 20000), 10000)=clamp(1000, 300, 10000)= 1000 (₦10).- The 1.5% would be ₦3, but the ₦10 floor wins.
A ₦2,000,000 withdrawal (amount: 200000000), the ceiling bites:
- Acute:
clamp(500, round(0.01 × 200000000), 18000)=clamp(500, 2000000, 18000)= 18000 (₦180). - Provider: flat 2000 (₦20). Total fee ₦200, not ₦20,000; the cap protects large amounts.
Rounding is to the nearest kobo
The proportional part is Math.round(rate × base) before clamping, so fees are always
a whole number of kobo. No fractional kobo ever reach the wire.
Per-org pricing exists
Your organization may be on a custom schedule that overrides one or more of these
clamps. The shape never changes (same fields, same clamp math), only the
min/rate/max for your org. When in doubt, the fee on the live create response is
authoritative.