A customer abroad pays you $100.00 by card
- Fee (3.90% + $0.30)
- $4.20
- You keep
- $95.80
Lands in your USD balance. Hold it, convert to USDC or naira, or pay a supplier straight from it.
Every fee, explained
Pay when you get paid. Nothing else.
No plans, no subscriptions, no setup project. See exactly what each payment costs and exactly what you keep.
- No setup fees
- No monthly fees
- No minimum balance
- Free deposits to your global accounts
Accept payments
Take payments from customers in one checkout or over the API. The fee comes out of each payment; nothing else is charged.
- Local cards
- 1.50%
- International cards
- 3.90% + $0.30
- One-time payment accounts
- 1.00%capped at ₦2,000
- Mobile money
- 1.50%
- Crypto checkout
- 1.00%
Cards issued in the country you’re selling in, including Verve in Nigeria.
Visa, Mastercard, Verve, American Express from anywhere. Settles to your USD balance.
A bank account number per order or customer, matched automatically.
M-Pesa STK push and MoMo payment requests.
BTC, ETH, SOL, USDC, USDT, BNB, TRX and more, settled in USDC or local currency.
Receive
Money sent straight to your own accounts and wallets.
- Bank deposits
- Free
- Stablecoin deposits
- Freenetwork gas paid by sender
Into your USD, GBP, EUR, NGN, KES global accounts.
USDC and USDT on 8 networks.
Convert
Move between dollars, stablecoins and local currencies at a rate you see before you confirm.
- USD ↔ USDC / USDT
- 0.10%
- Currency conversion
- 0.35%over mid-market
- Between your own balances
- Free
Mint, redeem and swap between dollar balances.
Any pair across USD, GBP, EUR, NGN and KES.
Same currency, any account or wallet in your organisation.
Pay out
Pay suppliers, sellers, staff and agents over the rail they already use.
- Payouts across Africa
- $1.50flat, any amount
- China
- $10.00
- UK and Europe
- €0.50$1.50 for Faster Payments
- United States
- $1.00$15.00 by wire
- Stablecoin withdrawal
- $0.50covers network gas
Bank and mobile money payouts in 12 countries, including Nigeria, Kenya, Ghana and South Africa.
CNY bank transfers to Chinese suppliers.
Faster Payments and SEPA.
ACH, or same-day wire.
Send USDC or USDT to any external wallet.
Do the math
What you actually keep.
Real numbers, no asterisks. Payouts and conversions use the same quote engine as the console.
A customer pays ₦2,000,000 into a one-time account
- Fee (capped)
- ₦2,000.00
- You keep
- ₦1,998,000.00
That’s 0.10% on this payment. The bigger the payment, the less you pay.
You turn $10,000 of card revenue into USDC
- Rate
- 1 USD = 1 USDC
- Total fee
- $10.00
- Lands in your wallet
- 9,990.00 USDC
Dollars to stablecoins in one step, no exchange account needed.
You pay a supplier in Lagos ₦2,000,000
- Total fee
- ₦2,322.30
- Supplier gets
- ₦1,997,677.70
One flat payout fee, whatever the amount.
Examples use indicative mid-market rates. Live quotes use the rate at the time you confirm.
Included with every payment
The rate is the whole price.
No tiers to outgrow and no features held back for a bigger plan.
Hosted checkout
Cards, transfers, mobile money and crypto on one page, ready to share.
Global accounts
USD, GBP, EUR, NGN and KES accounts in your company’s name.
Stablecoin wallets
USDC and USDT across EVM chains, Tron, Solana and Stellar.
Fraud checks and approvals
3-D Secure, risk scoring, payout limits and multi-approver rules.
Unlimited team members
Invite finance, ops and engineering with role-based access.
API, SDKs and webhooks
Everything in the console is available over the API.
Sandbox
Build and test against the full API before you’re verified.
Reports and receipts
Every payment receipted, every statement ready for your accountants.
Why SurgePay
You’re not just saving fees. You’re cutting out the losses you can’t see.
A card processor, a transfer provider, a mobile money aggregator, a crypto gateway and a payout partner don’t only cost more in fees. Money leaks through FX spreads, transfer hops and balances sitting idle between them.
With SurgePayThe stitched stack
- Accepting payments
- Cards, one-time accounts, mobile money and crypto in one checkout
- A card processor, a transfer provider, a mobile money aggregator and a crypto gateway
- Card revenue in dollars
- Lands in your USD balance, convertible to USDC or naira
- Forced conversion at the processor’s rate, or slow USD withdrawals
- Stablecoin to fiat
- 0.10% in-platform, settled to your balance
- Exchange fees, withdrawal fees and a bank transfer on top
- Paying Africa and China
- 12 African countries and China from one balance
- A different partner and pre-funded account per corridor
- FX pricing
- Spread and fee shown on the quote before you confirm
- Spread buried in the rate on every hop
- Setup and monthly fees
- $0. You pay when money moves
- Subscriptions that stack up across every tool
Common questions
Ask away.
Stop stitching payment providers together.
Accept payments, hold global balances and pay out across Africa and China from one platform. Request access and we’ll set up your accounts as soon as your spot opens.