Morapay Developer Docs

Morapay pricing is quote-first: every product exposes a quote or settlement endpoint so you know the exact charge before creating a payment, batch, or subscription charge. Fees vary by product, country, and payment rail.

Rates on this page are representative. Your live account may differ by corridor, volume, or dashboard configuration. Always use the quote response at checkout time.

Quote before you commit

Product	SDK	API
Fiat checkout payer total	—	`POST /api/public/commerce/fiat` (Core: `/api/commerce/checkout-fiat`)
Merchant clearing (fiat link)	`morapay.link.quote(id, { invoice_major })`	`POST /api/v1/merchant/links/:id/quote`
Disbursement batch	`morapay.disbursement.quote({ .. })`	`POST /api/v1/merchant/disbursement/batches/quote`
Crypto ramp	`morapay.quotes.ramp.create({ .. })`	`POST /api/v1/merchant/quotes/ramp`

// Disbursement: usdCharge is principal + all platform/network fees
const quote = await morapay.disbursement.quote({
  chainId: 8453,
  token: "USDC",
  payoutTotal: 250,
  recipientCount: 10,
});
// quote.usdCharge → total debited from treasury

// Fiat link: merchant USD clearing estimate
const settlement = await morapay.link.quote("link_abc", { invoice_major: 100 });
// settlement.merchantClearingUsd → expected USD credited after payer settles

Fees by product

Payment links & checkout

Crypto checkout: Morapay applies a platform fee on the transaction, percentage plus FX spread at settlement. Use ramp quotes when building custom checkout UI:

const ramp = await morapay.quotes.ramp.create({
  action: "buy",
  sourceAsset: "USDC",
  targetAsset: "ETH",
  targetChain: "1",
  amount: 100,
  amountType: "source",
});

Fiat checkout: MoMo, bank, and card processing fees depend on your business country and the payer payment method. Morapay supports two fee modes:

Mode	Who pays processing
Pass to customer	Payer sees `payerTotalMajor` (invoice + processing)
Absorb by merchant	Payer pays invoice amount; fees deducted from your clearing

Request a payer total before rendering checkout:

curl -s -X POST "https://api.morapay.io/api/public/commerce/fiat" \
  -H "Content-Type: application/json" \
  -d '{
    "payment_link_id": "link_uuid",
    "payer_currency": "GHS",
    "quote_tier": "mobile_money"
  }'

The response includes spotPayerMajor, payerTotalMajor, feeMode, and a processing-fee breakdown you can display in your UI. Supported fiat checkout currencies: GHS and NGN for MoMo and bank transfer. Card checkout is available in select markets. See Countries & fiat.

Subscriptions

Recurring charges may include:

Payment processing: percentage plus flat fee on each successful charge, configurable in your dashboard.
Billing fee: platform fee on subscription volume above a threshold when enabled.

Processing and billing fees can be passed to the subscriber or absorbed by your business, depending on your dashboard settings. Subscription charges enforce the same platform minimums as payment links. See Payout timing & limits.

Payouts & disbursements

Batch payouts debit your treasury account by usdCharge from the quote. The charge includes:

Component	Description
Payout principal	USD value of tokens sent to recipients (includes FX for non-USD-pegged assets)
Batch platform fee	Fixed fee per batch
Per-recipient network fee	Multiplied by recipient count
Chain transfer fee	On-chain settlement cost for the selected `chainId`

const { data: batches } = await morapay.disbursement();
const batch = await morapay.disbursement("batch_xyz");
// batch metadata includes quoted usdCharge at creation time

Always call morapay.disbursement.quote() immediately before POST /disbursement/batches. Submitted usdCharge must match the quote within tolerance.

Merchant withdrawals

Settlement withdrawals from your Morapay balance to a linked MoMo or bank account carry no additional Morapay platform fee. The net amount received matches the gross amount requested, subject to carrier and FX rules on the rail.

Country-specific processing rates

Fiat processing fees are keyed to your business country ISO code. Cross-currency checkout, such as a USD invoice with a GHS payer, uses international card tiers by default.

Card and MoMo processing rates

Representative processing fees by business country and payment method.

Country	Code	Card local	Card international	MoMo	Bank transfer
Ghana	GH	1.95%	1.95%	1.95%	1.95%
Nigeria	NG	1.5% + ₦100	3.9% + ₦100	1.5%	1.5%
Kenya	KE	2.9%	3.8%	1.5%	2.0%
South Africa	ZA	2.9% + R1	3.1% + R1	2.5%	2.0%
Côte d’Ivoire	CI	Contact support	Contact support	Contact support	Contact support

On/offramp corridors

Additional West and East African countries use crypto on/offramp pricing at quote time. See the full country list in Countries & fiat.

Regional minimums

Some corridors enforce carrier floors that exceed USD platform minimums, for example 1.00 GHS for Ghana MoMo. Below-minimum amounts return links.amount.below_minimum. See error code docs.

Taxes

Morapay is a payments platform, not a tax advisor. You are responsible for determining, collecting, and remitting taxes in the jurisdictions where you operate.

Subscription tax calculation

When tax calculation is enabled for your business, Morapay can compute tax on subscription checkout based on your configuration. Tax amounts appear on the checkout session before the subscriber confirms payment.

Enabling tax calculation does not register your business with tax authorities or file returns on your behalf. Consult a qualified tax professional for VAT, GST, sales tax, and withholding obligations.

What Morapay does not do

File tax returns or issue tax invoices on your behalf
Determine your nexus or registration requirements
Provide legal advice on cross-border digital services tax

For account-specific fee schedules or enterprise pricing, contact support@morapay.io with your business ID and expected monthly volume.

FAQ

How do I show fees to my customers at checkout?

Call POST /api/public/commerce/fiat with the payment link ID, payer currency, and quote_tier (card_local, card_international, mobile_money, or bank_transfer). Display payerTotalMajor when fees are passed to the customer, or spotPayerMajor when your business absorbs them (feeMode in the response).

Why does usdCharge differ from payoutTotal on disbursements?

payoutTotal is what recipients receive. usdCharge adds platform batch fees, per-recipient network fees, chain transfer costs, and any FX spread on the settlement token. The quote endpoint returns both values.

Do fees change between TEST and LIVE?

Fee structure is the same. TEST uses testnet chains and sandbox rails; LIVE uses production carriers and mainnet settlement. Always quote in the environment matching your API keys.

Which countries can my business operate in?

See Countries & fiat for supported countries, currencies, and rails. Your business country determines which processing rate table applies to card checkout.

Countries & fiat

Supported markets, currencies, and checkout rails.

Payout timing & limits

Platform minimums and batch scheduling.

Disbursement API

Quote, create, and ledger endpoints.

Fiat checkout API

MoMo, bank, and card session initialization.

​Quote before you commit

​Fees by product

​Payment links & checkout

​Subscriptions

​Payouts & disbursements

​Merchant withdrawals

​Country-specific processing rates

​Card and MoMo processing rates

​On/offramp corridors

​Regional minimums

​Taxes

​Subscription tax calculation

​What Morapay does not do

​FAQ

​Related

Countries & fiat

Payout timing & limits

Disbursement API

Fiat checkout API

Quote before you commit

Fees by product

Payment links & checkout

Subscriptions

Payouts & disbursements

Merchant withdrawals

Country-specific processing rates

Card and MoMo processing rates

On/offramp corridors

Regional minimums

Taxes

Subscription tax calculation

What Morapay does not do

FAQ

Related