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Personal
Free / month
For individuals managing personal payments and Albatross products.
  • Instant transfers within AM-Pay
  • Loan & insurance payments
  • Transaction history
  • 1% fee on external transfers
Get started
Enterprise
Custom
For large businesses, platforms, and API integrations at volume.
  • Everything in Business
  • REST API access (on roadmap)
  • Dedicated account manager
  • Custom settlement terms
  • Volume-based pricing
Contact sales
Fee schedule

What each service
costs

A transaction-based fee, plus an optional monthly platform fee for businesses that need the full dashboard. No setup fees.
ServiceFeeBilledStatus
DebiCheck collectionPer-transaction feePer successful collectionLive
Pay Now gateway (card / Instant EFT)Per-transaction feePer successful paymentLive
Business platform (dashboard, reporting)R299 / monthMonthlyLive
External transfers (personal account)1% per transferPer transferLive
Payment links & QRTo be announcedPer successful paymentComing soon
Payroll & creditor disbursementsTo be announcedPer payoutComing soon
Savings accountNo fee — interest paid to youComing soon
Embedded working capitalRate assessed per applicationComing soon
Enterprise / API accessCustom, volume-basedNegotiatedBy request

Exact per-transaction rates for DebiCheck and Pay Now are confirmed with each client's service agreement during onboarding, and vary based on payment method and volume. Nothing here is a binding quote — contact our sales team for your specific pricing.

Common questions

Pricing FAQ

Are there any setup fees?
No. There are no setup fees to onboard onto AM-Pay. You only pay the transaction fee for the services you use, plus the monthly platform fee if you're on the Business plan.
How quickly do I get settled?
AM-Pay is built around fast settlement so merchants aren't waiting days for funds. Exact settlement timing is confirmed during onboarding based on your service agreement.
Can I switch plans later?
Yes — you can move from Personal to Business, or request an Enterprise conversation, at any time from your dashboard once your account is live.
Who do I pay — AM-Pay or Netcash?
You contract with AM-Pay Fintech. Behind the scenes, Phase 1 payment rails run through our Netcash ISV Partner Programme, a PASA-registered Third-Party Payment Provider.

Still have
questions?

Our team can walk you through pricing for your specific business.

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