Pycue

Pricing

You are charged. Your customer never is.

Pycue rates are agreed per organization and quoted as a percentage on collections and on withdrawals. Each rate is independent, and either can be zero. Whatever Pycue withholds is a matter between Pycue and your organization — it is never added to what your customer pays.

Open an accountAPI reference

Worked examples

Two transactions, both at 5%.

Assume your organization is charged 5% on collections and 5% on withdrawals. The payer is always prompted for the full amount.

A collection

Money in

Your server asks for a collection of GHS 250.00. The payer is prompted for exactly that — nothing is added to their side.

Payer is prompted forGHS 250.00
Pycue withholds (5%)− GHS 12.50
Your organization is creditedGHS 237.50

Your integration keeps recording GHS 250.00 against the customer who paid it.

A withdrawal

Money out

Your organization requests GHS 250.00. The full amount leaves your balance immediately, whether that is a direct API payout or a cashout you request from the workspace.

Deducted from your balanceGHS 250.00
Pycue withholds (5%)− GHS 12.50
Recipient receivesGHS 237.50

You see the net before anything is committed, and the payout figure is recorded against the transaction.

How the rate is set

Four things that affect what you pay.

Your agreed rate
A percentage on collections, a percentage on withdrawals, or neither. Set on your organization and changeable at any time.
Which side of the transaction
Inbound collections and outbound withdrawals are priced independently. An organization can be charged on one and exempt on the other.
Nothing per request
There is no per-call fee, no minimum and no monthly platform charge in the model Pycue operates today.
Your transaction volume
Rates are agreed commercially and reviewed periodically. Speak to your Pycue contact before you commit to volume.

A rate of 0% means that flow is free. Rates are capped at 50% to protect an organization from a configuration error in a single transaction.

Precision

Rounded in your favour, by one pesewa at most.

All amounts are integers in pesewas — the smallest unit of the Ghanaian cedi — so nothing depends on floating-point arithmetic.

  • The charge rounds up

    A charge is always rounded up to the next whole pesewa, so Pycue never silently keeps a fraction. The organization absorbs the rounding remainder.

  • The rate is snapshotted

    A transaction records the rate in force when it was created. Changing your rate later never rewrites a payment that is already in flight.

  • Replays are stable

    Re-sending a request with the same idempotency key returns the original quote, not a fresh one calculated at today's rate.

  • Reversals are exact

    If a payout fails or you ask us to refund a cashout, the withheld charge is returned in full alongside the amount.

Messaging

SMS is prepaid, not metered per message.

You buy blocks of credit up front. Each message debits one unit per recipient, and requests stop rather than overdraw.

Prepaid blocks

Purchased per organization and visible in the workspace.

One unit per recipient

A single request to 50 numbers costs 50 units.

Fails closed

An over-budget send is refused outright rather than partially delivered.

Package pricing is confirmed with your Pycue contact, since it follows provider cost.

Talk to us about your rate.

Rates are agreed per organization rather than published, because they depend on volume and on what you build. Open an account and request access — we will confirm your rate before you move any money.

Open an account