SGI partner pricing
A single pricing line. Everything included. No subscription, no setup, no volume commitment. The partner pays only when Inopay routes an order executed at their SGI.
The model in one sentence
What is included in the rate
| Brick | Usage |
|---|---|
| Unified KYC, all levels | Unlimited — basic, standard, enhanced |
| Cross-SGI reuse | Unlimited — with investor consent |
REST API /v1/kyc/*, /v1/orders | Unlimited |
| HMAC-SHA256 signed webhooks | Unlimited |
| SGI dashboard + CREPMF reporting | Included |
| Public sandbox | Unlimited |
| Ed25519 cryptographic audit trail | 5-year retention |
| Tier-1 email support | < 24 business hours |
| Dedicated WhatsApp hotline | 30 days at go-live |
| OpenAPI 3.1 technical documentation | Included |
Bill calculation
The monthly invoice is simple:
Monthly bill = Σ (gross amount of each routed and executed order) × 0.15%No FX spread, no hidden margin, no additional line per KYC level or consultation.
Example 1 — SGI in ramp-up (pilot phase)
| Indicator | Value |
|---|---|
| Routed order volume this month | 50M FCFA |
| Applied pilot rate | 0.075% |
| Monthly Inopay bill | 37,500 FCFA |
Example 2 — SGI at cruising speed (post-pilot)
| Indicator | Value |
|---|---|
| Routed order volume this month | 300M FCFA |
| Applied standard rate | 0.15% |
| Monthly Inopay bill | 450,000 FCFA |
6-month pilot
From pilot agreement signature, the reduced rate of 0.075% applies automatically during the first 6 months of production. From month 7, standard rate takes effect — notified 30 days in advance.
Monthly minimum after 12 months
During the first 12 months of production: no minimum, no penalty if volume is zero in a given month. Beyond 12 months, a monthly minimum of 50,000 FCFA / active SGI is introduced to cover dedicated infrastructure costs. This threshold corresponds roughly to approximately 35M FCFA of monthly routed volume.
Large volumes
Above 5 Bn FCFA of monthly routed volume, negotiated pricing is possible on annual commitment. Contact partenaires@getinopay.com.
Billing terms
- Monthly billing in arrears, issued on the 1st of the month
- Default currency: FCFA (euros or cedi possible on request)
- Settlement via bank transfer within 15 calendar days
- Late payment penalties: BCEAO rate + 2%
- Invoices accessible on the SGI dashboard and sent by email
- VAT applicable per partner's jurisdiction (Côte d'Ivoire: 18% if applicable)
What the investor pays (never to Inopay)
Inopay never charges the end investor. The fees the investor pays are, in order:
- Your SGI's execution fees — AMF-UMOA, COSUMAF or SEC Ghana schedule depending on market
- The payment rail fees — CinetPay for UEMOA and CEMAC, Paystack for Ghana
- The local tax (withholding), creditable in the country of residence via bilateral tax treaties
Billed separately (optional)
- Custom integration (specific connector, SSO Active Directory, etc.): quote on a case-by-case basis
- On-site training for your operational teams: 1,000,000 FCFA / day
- Advanced Reporting & Compliance module (on roadmap): 325,000 to 2,000,000 FCFA / month depending on SGI size