Starter
Get paid and get organised — free.
- Business account, balances & activity
- Local collections, payment links & hosted checkout
- In-store POS checkout
- 50 invoices per month
- Instant, free BPay @tag transfers
- 1 App Studio on a BoundlessPay subdomain
- 100 BOB AI credits per month
- Test API access
Business
Run daily operations end to end.
- Everything in Starter
- Branded & recurring invoices
- Payroll for up to 10 workers
- 3 active corporate cards
- 1 App Studio on your own domain
- Approval workflows
- Savings, financing applications & digital services
- 500 BOB AI credits per month
Growth
PopularGo multi-market with treasury and live APIs.
- Everything in Business
- Global remittance to 170+ destinations with live rate comparison
- Treasury, FX conversions & OTC desk access
- Crypto wallets — USDT, USDC and cNGN
- Bulk payouts & payroll for up to 50 workers
- 10 active corporate cards
- Live API keys, webhooks & sandbox (100,000 requests / month)
- Virtual accounts service — issue customer accounts via API
Scale
Multi-entity control at volume.
- Everything in Growth
- Multi-entity management
- Advanced roles & multi-level approvals
- Wallet infrastructure (WaaS) with 5,000 sub-addresses
- Self-custody wallets alongside Suite balances
- 1,000,000 API requests per month
- Full scoped BOB agent actions & automations
- 50 active corporate cards · payroll for up to 250 workers
Enterprise
Custom corridors, compliance and commitments.
- Dedicated Wallet-as-a-Service (WaaS) infrastructure
- Virtual accounts with dedicated rails & custom naming
- White label
- Custom corridors & negotiated transaction/FX pricing
- Wholesale OTC liquidity spreads
- Custom compliance & limits
- SSO, bespoke roles & approval policies
- Dedicated implementation & account management
Compare plans
| Compare plans | Starter | Business | Growth | Scale | Enterprise |
|---|---|---|---|---|---|
| Businesses | 1 | 1 | 3 | 10 | Custom |
| Team members | 2 | 5 | 20 | 75 | Custom |
| Invoices | 50 / month | Branded & recurring | Branded & recurring | Branded & recurring | Custom |
| Payroll workers | — | Up to 10 | Up to 50 | Up to 250 | Custom |
| Active virtual cards | — | 3 | 10 | 50 | Custom |
| API requests | Test mode only | 10,000 / month (live) | 100,000 / month (live) | 1,000,000 / month (live) | Custom |
| Wallet sub-addresses | — | 100 included | 500 included | 5,000 included | Unlimited |
| Virtual accounts service | Sandbox only | Sandbox only | Included (live, on approval) | Unlimited (live, on approval) | Custom |
| BOB AI credits | 100 / month | 500 / month | 2,000 / month | 10,000 / month | Custom |
| App Studios | 1 (BoundlessPay subdomain) | 1 (custom domain) | 1 (custom domain) | Multiple (custom domains) | White label |
| Support | Email & community | Chat | Priority | Priority operational | Dedicated + SLA |
Usage & transaction fees
Pay-as-you-go fees apply on top of your subscription. Prices shown in NGN.
Collections
NGN bank transfer & virtual-account collection
Lower by plan and volume.
0.75%, capped at ₦1,000
per transaction
Local card collection
The ₦100 flat fee is waived below ₦2,500.
1.5% + ₦100, capped at ₦2,000
per transaction
International card collection
3.8–4.2% + ₦100
per transaction
Wallet & PalmPay collection
0.9%, capped at ₦1,000
per transaction
Stablecoin deposit (USDT, USDC, cNGN)
Excludes third-party and network costs.
Free
per deposit
Money movement
BPay @tag transfer between BoundlessPay businesses
Same-currency transfers between BoundlessPay workspaces.
Free & instant
per transfer
Domestic payout
Enterprise custom.
₦75 Starter · ₦60 Business · ₦50 Growth & Scale
per payout
Cross-border payout (170+ destinations)
Every rate option shows its all-in cost and delivery speed before you send.
Partner/corridor cost + 0.5–1.0%
per transfer
FX & crypto conversion
Enterprise negotiated.
1.0% Starter · 0.75% Business · 0.50% Growth · 0.25–0.35% Scale
per conversion
Stablecoin withdrawal
Network fee + 0.3–0.5%
per withdrawal
OTC desk (wholesale volume)
Volume discounts above $25,000 per trade.
0.30–0.60% all-in
per trade, all-in
Spend
Corporate card issuance
Plan quotas cover card management; issuance is charged per card.
Provider cost + 20% (about ₦3,500)
per card issued
Card funding
1.0% on top of the live rate
per funding
Business operations
Payroll
Payout rail fee disclosed separately.
₦250 per paid worker · ₦3,000 minimum per run
per successfully paid worker
App Studio commerce commission
Payment processing billed separately.
1% Starter · 0.5% Business · 0.25% Growth · 0% Scale
per order
Digital services (airtime, data, bills, gift cards)
Your own resale markup is configurable on top.
Wholesale cost + 0.5–1.5%
per purchase
POS terminals
Optional ₦2,500/month connectivity.
Card and transfer processing billed at standard rates.
Landed hardware cost + 15%, or ₦5,000/month rental
per terminal
Platform & AI
API overage (non-financial requests)
₦250 per 1,000 requests
per additional 1,000 requests
Wallet sub-addresses beyond your plan
500 included on Growth · 5,000 on Scale.
₦120 per address
per additional address
Wallet outbound transfer volume overage
Network fees excluded.
0.05–0.08% of volume
on volume above plan allowance
BOB AI credits
Monthly allowance included by plan; top-up bundles available.
₦10 per credit
per credit
Wallet-as-a-Service (WaaS) platform
Custom pricing on Enterprise — talk to sales.
Platform minimum + active-wallet fee + transaction fees
per agreement
Boundless Circle
Rewards funded from collected net revenue.
Free
membership
Support
Paid implementation & premium SLA for Enterprise.
Included by plan
per plan
Financial products
Savings
Disclosed partner revenue share / yield-spread model.
No access fee
per account
Investments
Subject to product availability through an appropriate regulated structure.
0.5–1.0% annually
annual platform/management fee
Financing
Fully disclosed per offer; subject to approval and jurisdiction.
No application fee · risk-based cost + 1–3% origination
origination, where permitted
Plans cover the software. Transaction, provider, network and hardware fees are charged separately as listed above.
“Starting at” and range pricing depends on corridor, method, and volume.
NGN and USD prices are configured independently — they are not live FX conversions.
Annual savings apply to subscriptions only and exclude usage, provider, hardware, and financing fees.
Taxes may apply based on your location.
Business cards on every plan
Physical Verve and Mastercard cards, plus virtual Mastercard and Visa cards. Verve cards spend from your business balance; Mastercard and Visa cards are prefunded and spend only what you load. Card allowances follow your plan, and top-up fees are shown before you confirm.
Build financial workflows that execute.
Join thousands of businesses and developers using BoundlessPay to power payments across Africa and emerging markets.