Transparent NGN pricing · No monthly fees · No lock-in

Pay per checkout. Not per month.

Your first ₦100M in processed volume is free. After that, pre-purchase credits and spend them as you grow.

1
₦100M free

Free tier

Route your first ₦100M in payment volume at zero cost. No credit card required.

2
₦2.50 per credit

Buy credits

Once your free tier is exhausted, pre-purchase credits. 1 credit = ₦2.50. Credits never expire.

3
₦5.00 per checkout

Pay per checkout

Each completed checkout deducts 2 credits (₦5.00).

Credit Packs

Choose how many credits to start with

Buy any amount. Mix and match. Credits never expire.

1,000credits
₦2,500

Great for testing after free tier

Checkouts covered500
Cost per checkout₦5.00
Credits expireNever
Buy credits
Most Popular
10,000credits
₦25,000

Ideal for growing businesses

Checkouts covered5,000
Cost per checkout₦5.00
Credits expireNever
Buy credits
50,000credits
₦125,000

High-volume operations

Checkouts covered25,000
Cost per checkout₦5.00
Credits expireNever
Buy credits

Need a custom volume? Talk to us about high-volume pricing.

What's included

Everything, for every merchant

There are no feature tiers. Every merchant gets the full platform.

PSP connectionsAll 6 (Paystack, Flutterwave, Monnify, Squad, Interswitch, Payaza)
Automatic failoverYes, under 800ms
Smart routingYes, AI-powered
Webhook deliveryYes, all event types
Unified analyticsReal-time dashboard
ReconciliationAutomated, all providers
API rate limitGenerous defaults · contact for higher
SupportEmail + docs · priority for high volume
SandboxFree forever, no credits consumed
Why POPFAB

POPFAB vs. NjiaPay

Built for Nigeria, not adapted from South Africa.

ComparisonPOPFABNjiaPay
Pricing modelCredit-based, pay per checkoutMonthly subscription + % fee
Free tierFirst ₦100M processed, freeNo free tier
Monthly commitmentNone — buy credits as neededR1,500 – R15,000/mo minimum
Nigerian providers6 live (all major PSPs)2 Nigerian providers
Self-serve signupYes — sandbox in 60 secondsBook a demo required
Failover speed<800ms automaticManual failover rules
ReconciliationAuto-generated, all providersManual per-provider CSV

Start free. Scale as you grow.

Your first ₦100M of processed volume costs nothing. No credit card, no sales call, no waiting.

Start Building FreeTalk to Sales

Sandbox is free forever · Credits never expire · No monthly minimums