If your business is scaling, there’s a good chance your fees are scaling too. And not in a good way.
The more volume you move, the more payment platforms take in charges, quietly draining your margins. At first, a 2% flat fee on NGN transactions may seem manageable. But once you’re processing millions, that 2% becomes a real liability.
That’s why the NGN transactions ₦300 cap model is one of the most underrated growth levers for high-volume businesses.
The 2% Margin Scaling Problem.
A flat 2% fee may sound reasonable when you’re processing ₦10,000 that’s ₦200. Fair enough.
But what happens when you’re processing ₦1,000,000? Or ₦4,000,000?
Suddenly, you’re losing ₦20,000 or more per transaction. Run that across 100 daily orders and you’ve paid ₦2 million in fees in one day.
And here’s the kicker: your costs grow in direct proportion to your success.
That’s not sustainable, that’s not scale, that’s your growth being penalized.
Fincra’s Model: Capped at ₦300 for Every NGN Transaction
With Fincra, NGN transactions are charged at just 1%, capped at ₦300. That means your cost per tFincra charges just 1% per NGN transaction, with a hard cap at ₦300. Once your transaction hits ₦30,000, you stop paying more.
No hidden deductions. No complex tiers. Just clean, capped fees.
Let’s do the math:
- At ₦100,000 per transaction, you save ₦1,700
- At ₦500,000, you save ₦9,700
- At ₦1,000,000, you save ₦19,700
Now multiply that by hundreds of daily transactions.
Real savings. Real impact.
Who Benefits Most from the NGN Transactions ₦300 Cap?
Capped fees aren’t just a smart idea they’re essential for:
- Marketplaces managing high-value payouts to sellers
- B2B platforms like payroll services, remittance fintechs, or B2B e-commerce
- Logistics and fulfillment companies handling client disbursements
- PSPs and fintechs processing thousands of NGN transactions daily
If you’re helping customers send or collect money at scale, doing high-volume or high-value transactions your fees should work for you, not against you. It should be your quietest enabler.
Why This Helps Your Business Predictability and Improves Planning
With the NGN transactions ₦300 cap, you know your worst-case processing cost up front. That predictability makes it easier to:
- Forecast expenses
- Plan pricing structures
- Maintain strong unit economics
- Free up cash flow for growth
Your finance team will love you for this.
This Is What Growth-Ready Payment Infrastructure Looks Like
At Fincra, we believe payments should support your success, not siphon off your margins.
That’s why we built a capped-fee model for NGN transactions, so you can:
- Scale with confidence
- Keep more of your earnings
- Avoid being taxed by your own success
If your current provider takes more money as you grow but adds no extra value, it might be time to reconsider the relationship.
Explore the full breakdown: How Fincra Helps You Save More on Every NGN Payment
TL;DR
- You stop bleeding fees at scale
- Your profit per transaction increases
- You can plan smarter with predictable costs
- You reinvest the savings into growth
Use Finca.com today.
