Start free. Upgrade when you're making money. All amounts illustrative, in Naira.
For testing the waters.
For active merchants.
AI-first growth.
Illustrative pricing — every fee is shown before you confirm a payment, never deducted silently.
| Transaction type | Fee |
|---|---|
| Card payments | 1.5% + ₦100 (capped ₦2,000) |
| Bank transfer collection | ₦50 flat |
| Payouts to other banks | ₦25 flat |
| Money into your Koda account | Free |
1,000 credits
5,000 credits
10,000 credits
No. You can open a business account and start selling before you register. Koda helps you register with the CAC whenever you're ready.
Yes. Your business account is held with a CBN-licensed partner bank, and every transaction is recorded on an append-only ledger — no balances are ever edited directly.
Yes, upgrade or downgrade any time from Settings → Billing. Your storefront and account stay exactly as they are.
Your assistant pauses AI replies until you top up with a credit pack or your plan renews — orders and payments keep working as normal.