Paylo Pricing Explained: What You Pay and How to Pick a Plan

Most pricing pages give you one number. Ours has two, and that trips people up. There's the plan you pay for, which can be ₦0, and the fee on sales from buyers we bring you, which drops as you move up.

Sales to your own customers carry no Paylo fee on any plan. Once you see how the two costs work together, choosing a plan takes about a minute.

The plans at a glance

Plan	Price	Fee on buyers we bring you	Best for
Free	₦0	5%	Getting started, testing an idea
Pro	₦150,000/year (or ₦90,000 per 6 months)	2%	Growing stores with a team
Business	₦300,000/year (or ₦180,000 per 6 months)	0%	Serious volume, multiple locations, own brand
Enterprise	Custom	0%	Large operations needing SLAs and API access

On every plan, sales to your own customers (people you invited, or who have bought from you before) are 0%. The fee applies only to buyers we bring you, and only for each buyer's first 12 months. After that, they count as yours too.

Every plan includes the core: unlimited products and services, a mobile-responsive storefront and marketplace listing, escrow checkout through Paystack, crypto payments through Breet, a Paylo POS till for you, and inventory and order management. You can sell as much as you like on any plan. Higher plans add tools.

The two costs, separated

1. The plan. A subscription, billed every six months or once a year. The Free plan costs nothing and never expires, no card required.

2. The platform fee. Our cut of a completed sale to a buyer we brought you, during that buyer's first 12 months: 5% on Free, 2% on Pro, 0% on Business. Your own customers are 0% everywhere, and refunded orders aren't charged.

A paid plan trades a subscription for a smaller slice of the business we send you. If we bring you little, the fee is tiny and the subscription isn't worth it. If we bring you a lot, the fee adds up fast and a subscription that shrinks it pays for itself. The chart below shows where those two lines cross.

What "0% platform fee" does and doesn't mean

On the Business plan, Paylo takes no platform fee on any sale. The provider that moves the money still charges its own payment processing fee, and that's separate from ours.

Card and bank payments run through Paystack. Crypto payments run through Breet, converted to naira automatically.

Those processing fees apply on every plan, including Business. So on Business your customers still pay standard Paystack processing on a card sale; you just don't pay Paylo a platform fee on top.

Billing: six months or a year, and why annual is cheaper

Paying for a full year costs less than paying six-monthly twice. Plans are billed every six months or once a year, never monthly.

• Pro: ₦150,000 for the year, versus ₦180,000 if you pay ₦90,000 twice. The annual plan saves you ₦30,000.
• Business: ₦300,000 for the year, versus ₦360,000 in two payments. The annual plan saves you ₦60,000.

You can see the live prices on the pricing page.

Which plan should you actually pick?

Stay on Free until we're bringing you roughly ₦5,000,000 a year in sales, about ₦400,000 a month. Past that point, the fee a paid plan saves you on those buyers is bigger than the subscription.

Sales to your own customers don't enter this math at all. They're free on every plan, so if most of your volume is repeat customers, Free stays your cheapest option regardless of size. Payment processing fees are the same on every plan, so they don't change the comparison either.

Per yearPer month

• Below ~₦400k/month from Paylo: the Free plan is your cheapest option, full stop. The 5% fee costs you less here than any subscription would, so the money a paid plan would have cost is better spent on stock and delivery.
• ₦400k–₦625k/month: Pro is the cheapest of the three. It's also where the staff tools start mattering, because a store doing this volume usually has a team.
• Over ~₦625k/month from Paylo: Business wins, because 0% on that volume saves more than the ₦300,000 it costs.

Two quick examples:

• We bring you ₦300,000/month in new-buyer sales (₦3.6m/year). Free costs 5%, about ₦180,000 in fees for the year, and ₦0 subscription. Pro costs ₦150,000 plus 2% (₦72,000), so ₦222,000. Free wins.
• We bring you ₦1,000,000/month (₦12m/year). Free costs 5%, ₦600,000. Business costs ₦300,000 plus 0%. Business saves you ₦300,000.

Each plan adds the tools your operation needs at that size. Free runs a one-person shop end to end. Pro is the team plan, with Paylo Staff seats, more POS tills and stock counts for the day there's more than one of you. Business fits volume and more than one location, with multicurrency, advanced logistics, your own branding and a free .com domain. Enterprise is for large operations that need SLAs and custom integrations.

Unless you need one of those tools, let the math above decide.

Start free

Open a free Paylo store and start on ₦0, no card needed. Add your existing customers and sell to them with no Paylo fee. You can upgrade the day the math says so.