Zero Card Scheme Fees
Traditional processors pay 1.2% to 1.5% directly to card networks. By restricting transactions strictly to bank transfers, we pass those exact savings back to you.
Saved: Card Interchange Tax
Fast & Secure
Accept payments on your website/app, 3x cheaper!
Payjar bypasses expensive card network fees by accepting direct bank transfers only. You pay a 1% fee capped at ₦650. Zero chargebacks, instant settlements.
1%
Flat Processing Fee
₦650
Maximum Fee Cap
0%
Chargeback Fraud Risk
Your website checkout
Customer's payment
MerchantAcme Stores Nigeria
Transaction Amount₦250,000.00
Payjar Fee (Capped @ ₦650)₦650.00
vs. Standard Gateways: ₦2,000.00 (Saved ₦1,350)
Transfer to:● Expires in 29:50
Account Name
Payjar Checkout
Account Number
1234 5678 90
Payjar Checkout Demo
The easiest way to experience Payjar is a small live payment. Enter the email that should receive the receipt, then pay ₦100 or ₦1,000. Payjar opens a one-time bank transfer for that amount. When the money arrives, the receipt is sent to that email.
Architectural Advantage
Why We're 3x Cheaper
We cut out card scheme middlemen completely. No Visa fees, no Mastercard interchange fees, no multi-tier card routing markup.
₦
Hard Guarantee
₦650 Maximum Fee Cap
Whether you collect a ₦100,000 transaction or a ₦10,000,000 B2B transfer, you will never pay more than ₦650 in processing fees.
Fee on ₦5M Transaction:₦650.00
0% Chargeback Fraud
Card payments carry expensive friendly-fraud chargebacks. Bank transfers are biometric/PIN authenticated directly by the customer's bank app. Zero dispute fraud.
Dispute Risk: 0.00%
Instant Bank Settlements
No waiting for T+1 or T+2 days for card processors to settle your payout. Money settled directly into your commercial bank account automatically.
Transparent Comparison
Only 26% of Paystack payments are cards.
In Paystack’s 2024 checkout data for Nigeria, ony 26% of payments were cards. Most Nigerians already pay via bank transfers, yet you still pay 1.5% + ₦100 on every transaction.
| Feature / Metric | Payjar3X CHEAPER | Standard Card Gateways |
|---|---|---|
| Primary Payment Method | Direct Bank Transfer Only | Cards, USSD, Transfer, QR |
| Processing Fee Rate | 1% | 1.5% + ₦100 |
| Maximum Fee Cap | ₦650 Max | ₦2,000 Max |
| Fee on ₦100,000 Transaction | ₦650.00 | ₦1,500.00 |
| Fee on ₦500,000 Transaction | ₦650.00 | ₦2,000.00 |
| Payout Delay | Instant / Same-Day | T+1 to T+2 Business Days |
| Chargeback Fraud Risk | 0% (Bank Authenticated) | High (Card Stolen/Disputes) |
Calculate Your Annual Savings
Drag the slider to adjust your estimated monthly payment processing volume. Collection and payout prices are on the pricing page.
₦5,000,000
₦500k₦10M₦25M₦50M+
Other Gateways Cost
₦85,000
~1.5% average
Payjar Cost
₦50,000
1% capped @ ₦650
Your Annual Savings
₦420,000
Kept in your business
Got Questions?
Frequently Asked Questions
Everything you need to know about Payjar bank transfer processing.
Bank transfers are the safest, fastest, and most popular payment method in Nigeria. By completely removing Visa and Mastercard network infrastructure, we avoid huge interchange fees and pass those exact savings back to your business.
Yes! Absolutely. Whether a customer transfers ₦100,000 or ₦10,000,000, your processing fee will never exceed ₦650 per transaction.
When your customer checks out, Payjar generates a unique, dynamic virtual account number instantly. They open their banking app, make a quick transfer, and our webhook automatically confirms the payment in under 3 seconds.
Yes. Payjar provides lightweight REST APIs, Node.js SDKs, and ready-made inline checkout popups. You can start testing sandbox keys in less than 10 minutes.