Pricing
Transparent pricing designed for global adoption.
No card processing fees. No hidden FX. Instant settlement. Rewards baked into every transaction — for consumers, merchants and governments alike.
Consumers
Free
- ✓Free account & wallet in any local currency
- ✓Free peer-to-peer transfers, domestic and international
- ✓2–10% instant cashback on eligible purchases
- ✓Free debit card and QR payments
- ✓Utility, transport, fuel, and healthcare discounts
- ✓Points-based national rewards program
- ✓Salary advance access (3% fee, subject to eligibility)
Merchants
0% fees
for 2 years
- ✓0% card processing fees for the first 2 years
- ✓Instant settlement to your gFinOS wallet
- ✓Free POS, QR, hosted checkout, invoices, subscriptions
- ✓Free CRM, storefront and public /store/<slug> page
- ✓Revenue-based grants and working capital access
- ✓Cross-border acceptance in 180+ currencies
- ✓tax handling and downloadable statements
Governments
No cost
- ✓Sovereign revenue wallet at no cost
- ✓Direct receipt of GST/VAT and government fees
- ✓disbursement of benefits and subsidies
- ✓National merchant directory and analytics
- ✓Verified public account-statement lookup
Fee schedule
| Consumer account | Free |
| P2P transfers (domestic) | Free |
| International remittance | $1.99 flat |
| Card / QR payment (merchant) | 0% for first 2 years |
| Withdrawal to bank | 10% platform + up to 35% government tax (varies by country) |
| Top-up (card / bank) | Free |
| Cooperative Treasury contribution | 0.5% of eligible transactions (funds grants) |
Government taxes are deducted at source and forwarded to the taxpayer's national revenue wallet. Country-specific rates are set by the respective government and shown at checkout.
Ready to start?
Open your account in under two minutes. Businesses can complete KYB and go live the same day.