Pricing that moves
with your money
No setup fee. No monthly subscription to access core features. You pay transaction fees on payouts and card funding — and you see the exact fee before you confirm, every single time.
No credit card required · No time limit on free features · 20+ countries
$0
Setup fee
$0
Monthly subscription
Pay-as-you-go
Fees only when money moves
20+
Countries, one pricing model
Pricing model
Pay only when money moves
Core features — account, budgets, approvals, the ledger, payslips — are included at no charge. Fees apply only on the three actions that move funds.
Account & dashboard
Free
Always included, no time limit
- Account creation & KYC verification
- Full transaction ledger & spend reports
- Department & project budget management
- Maker-checker approval workflow
- Team member management & roles
- Expense capture & receipt attachment
- Digital payslip generation (tax estimates only)
- Audit log export
Payouts & payroll
Per-transaction fee
Fee shown in-app before you confirm
- Supplier & vendor payouts
- Recurring payroll batch runs
- Paystack for Africa — NG, GH, RW, ZA
- Stripe for US, UK, Canada, EU/EEA
- Same-currency payouts only — no FX conversion
- Exact fee shown before every confirmation
Virtual card funding
Card-funding fee applies
No monthly card subscription
- USD, EUR & GBP virtual cards via Stripe Issuing
- Fee applies when you fund the card — not per spend
- No monthly subscription for card issuance
- Per-card spend limits you control
- Card spend auto-posted to expense ledger
- Available for NG & GH businesses (USD card for global spend)
Exact fee schedules by corridor and transaction type are displayed in-app at the point of confirmation. Fees depend on the underlying Paystack or Stripe payout fee for your specific corridor — Financiar does not add hidden mark-ups on top of the processor fee.
What you get for free
Always included at no charge
Open your account and access all of these features immediately — no trial period, no expiry, no card required.
Account & KYC verification
Open your business account and complete identity verification.
Dashboard & transaction ledger
Full transaction history, budget views, and spend reports.
Maker-checker approval workflows
Configure two-person approval for payouts, payroll, and card funding.
User & team management
Add team members, set roles, and manage permissions.
Budget management
Set department, project, or cost-centre budgets with live tracking.
Expense capture & audit export
Submit, categorise, and export team expenses for accountants or auditors.
Digital payslip generation
Per-employee payslips with estimated deductions (reference only — not a tax filing document).
AES-256 encryption & KYC compliance
Bank details encrypted at rest, NDPR and GDPR aligned data handling.
Region-aware fees
Fees follow the payment rail
Different corridors route through different processors. We surface the processor's fee at the confirmation step — you decide before money moves.
Africa — Paystack
Nigeria · Ghana · Rwanda · South Africa
Payouts and payroll for African businesses route through Paystack. Paystack's fee schedule applies per-transaction by corridor and amount. No Financiar mark-up on top of the Paystack fee. Exact amount shown before you confirm.
US, UK, Canada & EU — Stripe
US · UK · Canada · 13 EU/EEA countries
Payouts, payroll, and virtual card issuance for North American and European businesses run through Stripe. Stripe's fee schedule applies per-transaction. No Financiar mark-up on top of the Stripe fee. Exact amount shown before you confirm.
Pricing questions
Is Financiar free to start?
Yes. There is no setup fee and no monthly subscription to access core Financiar features. Account management, budgets, approval workflows, the transaction ledger, expense capture, and payslip generation are all included at no charge. You pay transaction fees only when money moves — on payouts, payroll runs, and card funding.
What are the transaction fees?
Transaction fees depend on the payment rail and the specific corridor. Paystack rates apply for payouts in Nigeria, Ghana, Rwanda, and South Africa. Stripe rates apply for payouts in the United States, United Kingdom, Canada, and EU/EEA countries. The exact fee is displayed in-app at the confirmation step before you authorise any payout or card funding. There is no hidden mark-up by Financiar on top of the processor's fee.
Are fees the same in every country?
No. Fees vary because Financiar routes payouts through different processors depending on the destination — Paystack for African corridors, Stripe for US, UK, Canada, and EU. Each processor has its own fee structure by destination and transaction type. The exact fee for your transaction is always shown before you confirm.
Are there hidden fees?
No. Financiar shows the full fee before you confirm any payout or card funding action. There are no charges added after confirmation. Financiar does not add a mark-up on top of the underlying Paystack or Stripe fee.
Does Financiar charge for currency conversion?
Financiar does not perform currency conversion, so there is no FX conversion fee charged by Financiar. Payouts are same-currency only — you hold a currency and pay in that same currency. If currency conversion occurs at the Paystack or Stripe level for your specific corridor, that cost is reflected in the processor's fee, not as a separate Financiar line item.
Is there a fee for issuing virtual cards?
There is no monthly subscription for virtual card issuance. A card-funding fee applies when you load funds onto a card — this reflects the Stripe Issuing fee for card funding and is shown before you confirm the load. Once the card is funded, there is no per-transaction charge on card spend.
Get started
Start for free, scale as you grow
No credit card required to open an account. No monthly subscription for core features. Available in Africa, North America, and Europe.