Just 2% —No Hidden Fees.
We only charge a 2% platform fee. Payment processing fees are charged directly by Paystack, shown clearly before you pay — never bundled in or marked up.
How Fees Work
Real example on a GHS 500 transaction — see exactly where every cedi goes
For Buyers
You pay the item price, our 2% platform fee, and Paystack's processing fee — itemized at checkout, no surprises.
For Sellers
You receive the full sale price, minus a flat disbursement fee when funds are sent to your mobile money or bank account.
Why We Split the Fees
Most escrow platforms bundle processing costs into one number. We show you both, so you know exactly what PayHold charges — and what goes straight to our payment processor.
Our fee is fixed
2% on every transaction. That's our entire margin — nothing hidden, nothing added later.
Processing is pass-through
Paystack's fee goes to Paystack, not us. We don't mark it up or take a cut of it.
Shown before you commit
Both fees appear at checkout and on seller payout screens — never a surprise after the fact.
Pricing Questions
Why are there two separate fees for buyers?
PayHold's 2% is our own fee for holding your money safely in escrow and running dispute protection. Paystack's fee is charged directly by Paystack for processing the payment — we don't mark it up or add to it. You see both, broken out, before you pay.
Why is a fee deducted from seller payouts?
Paystack charges a flat fee (currently GHS 1) every time we send money out to a seller's mobile money or bank account. We pass this through at cost — we don't add anything on top of it.
Is the 2% platform fee the same for every transaction?
Yes. 2% is a flat rate on every transaction, with no hidden tiers or surprise add-ons. Premium subscribers may have this waived — check your account for current eligibility.