Givers deserve to know where their Naira goes. This page explains the 2.5% platform fee, the separate processor pass-through, and how to read the exact breakdown shown at checkout before you confirm a gift.
The breakdown
For a ₦10,000 donation, the platform fee is ₦250. The payment processor's pass-through is additional and varies by method — card payments typically cost more than bank transfer. The illustrative figure of about 1.4% is a common range, not a promise; the real number is always printed on your checkout screen and receipt.
| Who pays | Fee | Notes |
|---|---|---|
| Giver | Included in the gift | Shown at checkout as a separate line before you confirm |
| AzarFaith platform fee | 2.5% of the donation | Funds verification, moderation, support and platform upkeep |
| Payment processor pass-through | About 1.4% (illustrative) | Varies by card, bank transfer or USSD; not guaranteed |
| Verified organization | 0% | Organizations never pay a listing or campaign fee |
| Payout to a Naira account | 0% | Standard payouts to the organization's registered account are free |
What the 2.5% pays for
- Document review, trustee checks and annual re-verification for every organization.
- Payout controls, fraud monitoring and the manual review behind community reports.
- Campaign update monitoring so givers can follow stewardship after they give.
- Support inbox staffing for givers and organizations, seven days a week.
- Hosting, security testing and compliance work including data protection obligations.
Because the platform fee is a percentage, small gifts and large gifts pay the same proportion — a ₦1,000 gift carries ₦25, and a ₦100,000 gift carries ₦2,500. There is no monthly charge, no listing fee and no charge for creating a campaign.
Fees and refunds
When a refund is approved, we return the donation amount and the platform fee. The processor's pass-through is returned only where the processor releases it, which is why some refunds arrive slightly below the original gift. See refunds for the full conditions.
Who pays the 2.5% platform fee?
It is taken from the donation itself, so givers see it as a transparent line at checkout and organizations receive the rest. Organizations pay nothing out of pocket.
Is the 1.4% processor fee guaranteed?
No. It is an illustrative figure based on common Nigerian card rates. Your checkout shows the exact pass-through for your chosen payment method before you confirm.
Are there any other charges?
No listing fee, no monthly subscription and no charge for payouts. The only additions to a gift are the 2.5% platform fee and the processor pass-through.
Does the fee change with the amount I give?
No. The rate stays at 2.5% whether you give ₦1,000 or ₦1,000,000, so the cost always scales with the gift.
Can I cover the fee so the organization gets the full amount?
Yes. Tick the option at checkout to add the fee on top of your gift, and the organization receives the entire amount you intended.