Referral programmeComing soon
Refer a business, earn credit together
We’re building a referral programme so you and the businesses you refer can both earn wallet credit. It isn’t live yet.
Not available yetPay per confirmation — not per naira
VegaPay charges a small flat fee each time a bank transfer is confirmed — never a percentage of the money your customer sent. Start with ₦500 free credit on signup.
Confirmation fees by transfer size
Only charged when a payment is actually confirmed — pending or expired intents cost nothing. The full transfer reaches your bank account untouched; the fee below is a separate deduction from your credit wallet, not a cut of the money your customer sent.
| Transfer amount | Fee | Example |
|---|---|---|
| Up to ₦5,000 | ₦20 | ₦4,000 transfer → ₦20 fee |
| ₦5,001 – ₦20,000 | ₦30 | ₦15,000 transfer → ₦30 fee |
| ₦20,001 – ₦50,000 | ₦40 | ₦30,000 transfer → ₦40 fee |
| Above ₦50,000 | ₦50 | ₦200,000 transfer → ₦50 fee |
Customer sends₦15,000
Confirmation fee (charged to your credit wallet)−₦30
Net to you this transaction₦14,970
Credit wallet top-up bundles
Buy more, get more. Bonus credit is added instantly on top-up.
- Starter (free)
You pay₦0
You get ₦500 credit
Free on signupAutomatic on signup - Basic
You pay₦1,000
You get ₦1,000 credit
No bonusSign up free → - ⭐ PopularStandard
You pay₦5,000
You get ₦5,500 credit
+10%Sign up free → - Pro
You pay₦20,000
You get ₦23,000 credit
+15%Sign up free →
How we compare
| Typical gateway | VegaPay | |
|---|---|---|
| Fee type | % of transfer amount | Flat fee per confirmation |
| On a ₦10,000 transfer | ~₦150 (1.5%) | ₦30 |
| On a ₦100,000 transfer | ~₦1,500 | ₦50 |
| On ₦1M / month (20 transfers) | ~₦15,000+ | ~₦1,000 |
| Billing model | % cut of every naira | Prepaid credit wallet |