Limits & fees

What each transaction costs, and how much you can move, by country and verification tier.

Fees

SkanPay charges a capped percentage per transaction: a percentage of the amount, never less than a minimum and never more than a cap.

Formula

fee = min(cap, max(minimum, amount × rate))

Country	Cash-in (charges)	Cash-out (payouts & withdrawals)	Deposits
Uganda (UGX)	2.5% (min USh 500, max USh 5,000)	1.5% (min USh 1,000, max USh 7,500)	Free
Kenya (KES)	2.5% (min KSh 10.00, max KSh 150.00)	1.5% (min KSh 20.00, max KSh 200.00)	Free
Ghana (GHS)	2.5% (min GH₵ 1.00, max GH₵ 20.00)	1.5% (min GH₵ 2.00, max GH₵ 25.00)	Free

Who pays the fee

Cash-in: the customer pays exactly amount. The fee is deducted from what you receive: your balance is credited net = amount − fee. On a charge the fee field is "0" until it succeeds, then shows the fee taken.
Cash-out: the recipient receives amount in full. The fee is charged on top, so your balance is debited total_debited = amount + fee.
Deposits into your own balance are free.

Example: a USh 50,000 charge in Uganda

fee  = min(5,000, max(500, 50,000 × 2.5%)) = 1,250
net  = 50,000 − 1,250 = 48,750  → your pending balance

When money becomes available

Money in from	Lands in	Becomes available
A successful charge	`pending`	One day (24 hours) after it succeeds
A successful deposit	`available`	Immediately

Payouts and withdrawals spend only the available balance. See Balances.

Every account starts at Tier 0. Upload verification documents in the dashboard to move up a tier and raise your limits. Limits apply per currency and separately to each type: charges, payouts, deposits and withdrawals each have their own daily and monthly allowance. The daily and monthly figures are rolling windows (the last 24 hours and last 30 days) and count successful and in-flight transactions; failed ones free their allowance.

Uganda (UGX), minimum USh 500

Tier	Per transaction	Per 24 hours	Per 30 days
Tier 0	USh 500,000	USh 1,000,000	USh 5,000,000
Tier 1	USh 2,000,000	USh 5,000,000	USh 50,000,000
Tier 2	USh 7,000,000	USh 20,000,000	USh 200,000,000
Tier 3	USh 20,000,000	USh 100,000,000	USh 1,000,000,000

Kenya (KES), minimum KSh 10.00

Tier	Per transaction	Per 24 hours	Per 30 days
Tier 0	KSh 2,000.00	KSh 5,000.00	KSh 20,000.00
Tier 1	KSh 15,000.00	KSh 50,000.00	KSh 300,000.00
Tier 2	KSh 70,000.00	KSh 250,000.00	KSh 1,500,000.00
Tier 3	KSh 300,000.00	KSh 1,000,000.00	KSh 10,000,000.00

Ghana (GHS), minimum GH₵ 1.00

Tier	Per transaction	Per 24 hours	Per 30 days
Tier 0	GH₵ 300.00	GH₵ 1,000.00	GH₵ 5,000.00
Tier 1	GH₵ 2,000.00	GH₵ 8,000.00	GH₵ 40,000.00
Tier 2	GH₵ 10,000.00	GH₵ 40,000.00	GH₵ 200,000.00
Tier 3	GH₵ 50,000.00	GH₵ 200,000.00	GH₵ 1,000,000.00

Going over a limit returns amount_exceeds_transaction_limit, daily_limit_exceeded or monthly_limit_exceeded; below the minimum returns amount_below_minimum. Nothing is sent to the customer in either case. SkanPay can set a different per-transaction limit for your account.

What each tier needs

Tier	Documents
Tier 0	None: every account starts here
Tier 1	Director ID, Proof of business address, Certificate of incorporation, Articles of association
Tier 2	Director ID, Proof of business address, Certificate of incorporation, Articles of association, Trading licence
Tier 3	Director ID, Proof of business address, Certificate of incorporation, Articles of association, Trading licence, Tax registration certificate

Withdrawal controls

Control	Rule
Payout wallet cooling-off	A newly approved payout wallet can receive withdrawals 24 hours after approval.
Second approver	A withdrawal above USh 5,000,000 / KSh 170,000.00 / GH₵ 20,000.00 waits for a second team member to approve it (SkanPay can set a different threshold for your account).