How EriPay Keeps Fees Low and Transparent

Nothing destroys trust in a money app like a surprise charge. At EriPay, every fee is shown on the confirmation screen before you enter your PIN, and our pricing is simple enough to explain on one page. Here is every fee, in plain language, and the reasoning behind it.

Our three pricing principles

1. Everyday money should be free or close to free. Small transfers between people are the backbone of family life in Uganda.
2. Outside costs are passed on, not hidden. When a mobile network, bank or card provider charges us, you see that charge.
3. No fee without a screen. If something costs money, the amount appears before you confirm.

Sending money to EriPay users

Free up to UGX 20,000. Above that, 0.5% of the amount, capped at UGX 1,000 per transfer. Examples: UGX 15,000 costs nothing; UGX 60,000 costs UGX 300; UGX 3,000,000 costs UGX 1,000.

Requesting money

Creating a request is free. A small percentage fee applies when the request is paid, shown on the request before it's approved.

Deposits

EriPay adds no deposit charge of its own. When you deposit with mobile money, the network's collection charge is added and shown before you approve the prompt on your phone, so the amount you choose arrives in full. Bank transfer deposits carry no EriPay fee; your bank may charge for the transfer. Cash-in at an agent is free for the customer.

Withdrawals

Withdrawals to mobile money or a bank pass through outside networks that charge us for every payout. The fee covers that cost plus a small service margin, and the screen shows both the fee and the amount you will receive. Cash-out at an agent follows a published tariff by amount band.

Currency exchange

Exchanges use the day's rate, updated daily from market data, and carry a 2% fee with a minimum and a maximum. The rate, fee and "you receive" amount are on the screen before you swap. We don't add a hidden spread on top.

Bill payments

A small fixed fee is shown on the payment screen, so you know the total before you pay.

Gift cards and vouchers

A small percentage fee, with a minimum and maximum, applies when you create a gift card or voucher. It is shown before you confirm.

Merchants

Businesses pay a percentage on payments received through the merchant gateway. Customers paying a merchant do not pay an extra fee.

Plans

The Starter plan is free. Pro and Enterprise have a monthly or yearly price shown on our pricing section, billed from your shilling wallet; you can change plans at any time.

Why we can keep fees low

Transfers inside EriPay don't touch an external network, so they cost us very little to process. We earn on larger transfers (with a low cap), exchange, business payments and services that use outside partners. That balance lets us keep everyday sending free while running a sustainable business.

How to pay the least

• Keep money inside EriPay where you can: get paid into your wallet and pay others from it.
• Withdraw less often, in larger amounts, rather than many small withdrawals.
• Exchange only when you have a real need, not back and forth.
• Invite family and suppliers so more of your transfers are free.

Always check the confirmation screen

Our partners change their prices from time to time, and our fees may change with them. Whatever the fee is on the day, it is on the confirmation screen before you enter your PIN. If you ever see a charge you don't understand, open a support ticket or email info@eripays.com and we'll explain it.

Open a free wallet and see the prices for yourself.