Question 1

What currencies does BettaPay support?

Accepted Answer

Merchants accept payments in USDC on the Stellar network. Settlements are paid out in Nigerian Naira (NGN) directly to your bank account via SEP-24 anchors, or you can hold your balance in USDC.

Question 2

How are fees calculated?

Accepted Answer

Each transaction is charged a percentage of the amount plus a small fixed fee. On Starter that is 1.5% + $0.10 per transaction, and on Growth it is 1.0% + $0.05. Fees are deducted automatically at settlement, so there are no surprise invoices.

Question 3

Are there any monthly minimums or hidden fees?

Accepted Answer

No. Starter has no monthly minimum and no setup fees. You only pay when you get paid. The Growth plan includes your first $10,000 of monthly volume, and the exchange rate applied at settlement is shown transparently before you confirm.

Question 4

Can I change plans later?

Accepted Answer

Yes. You can upgrade or downgrade at any time from your dashboard settings. Plan changes take effect at the start of your next billing cycle, and there are no penalties for switching.

Question 5

What about chargebacks?

Accepted Answer

There are none. BettaPay is non-custodial and payments settle on the Stellar blockchain, so transactions are final once confirmed. You never lose funds to fraudulent chargeback claims like with card processors.

Question 6

How fast are settlements?

Accepted Answer

On-chain payments confirm in 3 to 5 seconds. Bank settlement to NGN is standard (t+1) on Starter, priority (same day) on Growth, and instant for Enterprise merchants.

Question 7

Is there a free trial?

Accepted Answer

You do not need one. The Starter plan is pay-as-you-go with no monthly fees, so you can create an account, integrate, and test payments without any upfront commitment.

Question 8

Do you support recurring payments?

Accepted Answer

You can create reusable payment links and QR codes that customers can pay any number of times. Growth and Enterprise plans include webhooks and API access so you can automate billing flows in your own product.

Question 9

How do refunds work?

Accepted Answer

Since payments are non-custodial, refunds are initiated by you: send the USDC back to the customer wallet from your dashboard. Only the network fee (a fraction of a cent) applies to the refund transaction.

Question 10

What support is included with each plan?

Accepted Answer

Starter includes email support. Growth adds priority support with faster response times. Enterprise merchants get a dedicated account manager and a contractual SLA.

Question 11

Do I need a crypto wallet to use BettaPay?

Accepted Answer

Yes, a Stellar wallet such as Freighter. Because BettaPay is non-custodial, funds go straight to a wallet you control. Setup takes a few minutes and our onboarding guides walk you through it.

Question 12

How does the exchange rate for NGN settlement work?

Accepted Answer

The USDC to NGN rate is sourced from Stellar anchors at the moment of settlement and displayed before you confirm. What you see is what you get; there is no hidden FX margin on top of the quoted rate.

Features	Starter	Growth	Enterprise
Transaction fee	1.5% + $0.10	1.0% + $0.05	Custom
Monthly volume included	Pay per transaction	$10,000	Unlimited
Settlement speed	Standard (T+1)	Priority (same day)	Instant
Support level	Email	Priority	Dedicated
Webhooks
API rate limits	60 req/min	300 req/min	Custom
Custom branding
Multi-user access
Audit logs
Uptime SLA
Dedicated account manager

Simple, transparent pricing

Starter

Growth

Enterprise

Estimate your monthly cost

Compare plans in detail

Frequently asked questions

Need something different?