Fees
The short version
- Giving through Goodzera costs you nothing extra unless you choose to cover the processing fee.
- The processing fee is one line at checkout. It covers the payment provider’s charge and, where it applies, Goodzera’s platform fee.
- If you cover it, the full gift you chose reaches each NGO (for cards issued in Nigeria). If you do not, the costs come out of the gift.
- You always see the exact amount before you pay.
The short version helps you read the full text below. If they ever differ, the full text applies.
1. One processing fee
At checkout you see one line called Processing fee, with the words “Covers payment and platform costs, so your full gift reaches each NGO.” Receipts show it the same way: one line, then the total you paid.
2. What the processing fee covers
- The payment provider’s charge
- Our payment provider, Paystack, charges 1.5% of the payment plus ₦100, capped at ₦2,000, for cards issued in Nigeria. The ₦100 is not charged on payments under ₦2,500. These are the provider’s published local rates, which we use to work out the fee.
- Goodzera’s platform fee
- Goodzera may charge a platform fee of 2.5% of each gift. It starts switched off, and it is also off for any NGO Goodzera has given a fee waiver, for example a founding partner. When it is off, the platform fee is ₦0 and the processing fee covers only the payment provider’s charge. The rate that applied is stored with every gift, so a later change never alters a gift already made.
Goodzera does not hold your gift. When the payment is confirmed, the payment provider splits it and settles each NGO’s share straight to that NGO’s own account. Goodzera’s account receives only the platform fee, when it applies.
3. Covering it is your choice
The processing fee box is ticked when checkout opens, and you can untick it. If you cover it, we work out the smallest total that leaves each NGO its full gift after the provider’s charge and any platform fee. If you do not, you pay exactly the gift amounts and the costs are taken from them.
4. Worked examples
These examples are calculated by the same code that prices checkout, for a card issued in Nigeria. “NGO receives” is before the NGO’s own bank charges, if any.
One ₦5,000 gift, fee covered, no platform fee
You give ₦5,000 to one NGO and tick "Processing fee". The platform fee is off or waived for this NGO.
| Gift to NGO A | ₦5,000.00 |
|---|---|
| Processing fee | ₦177.67 |
| You pay | ₦5,177.67 |
| Payment provider’s charge (estimate) | ₦177.67 |
| Goodzera receives (no platform fee) | ₦0.00 |
| NGO A receives | ₦5,000.00 |
One ₦5,000 gift, fee covered, platform fee on
The same gift, but the 2.5% platform fee applies to this NGO.
| Gift to NGO A | ₦5,000.00 |
|---|---|
| Processing fee | ₦304.57 |
| You pay | ₦5,304.57 |
| Payment provider’s charge (estimate) | ₦179.57 |
| Goodzera receives (2.5% platform fee, after its share of the provider’s charge) | ₦124.99 |
| NGO A receives | ₦5,000.01 |
One ₦5,000 gift, fee not covered, platform fee on
You untick "Processing fee". You pay exactly ₦5,000 and the costs come out of the gift.
| Gift to NGO A | ₦5,000.00 |
|---|---|
| Processing fee | Not added |
| You pay | ₦5,000.00 |
| Payment provider’s charge (estimate) | ₦175.00 |
| Goodzera receives (2.5% platform fee, after its share of the provider’s charge) | ₦120.62 |
| NGO A receives | ₦4,704.38 |
A ₦1,000 gift, fee covered, no platform fee
Below ₦2,500 the payment provider does not add its ₦100 flat charge.
| Gift to NGO A | ₦1,000.00 |
|---|---|
| Processing fee | ₦15.23 |
| You pay | ₦1,015.23 |
| Payment provider’s charge (estimate) | ₦15.23 |
| Goodzera receives (no platform fee) | ₦0.00 |
| NGO A receives | ₦1,000.00 |
A ₦200,000 gift, fee covered, no platform fee
The payment provider's local card fee is capped at ₦2,000.
| Gift to NGO A | ₦200,000.00 |
|---|---|
| Processing fee | ₦2,000.00 |
| You pay | ₦202,000.00 |
| Payment provider’s charge (estimate) | ₦2,000.00 |
| Goodzera receives (no platform fee) | ₦0.00 |
| NGO A receives | ₦200,000.00 |
A basket: ₦10,000 and ₦5,000 to two NGOs, fee covered, platform fee on
One payment for two NGOs. Each NGO's share of the costs is in proportion to its gift.
| Gift to NGO A | ₦10,000.00 |
|---|---|
| Gift to NGO B | ₦5,000.00 |
| Processing fee | ₦710.66 |
| You pay | ₦15,710.66 |
| Payment provider’s charge (estimate) | ₦335.66 |
| Goodzera receives (2.5% platform fee, after its share of the provider’s charge) | ₦374.97 |
| NGO A receives | ₦10,000.03 |
| NGO B receives | ₦5,000.00 |
5. Gifts to several NGOs
A basket can hold gifts to up to 10 NGOs, paid in one payment. The processing fee is shared between the NGOs in proportion to each gift, and the payment provider deducts its charge from every share in the same proportion, including Goodzera’s. No NGO pays for another NGO’s gift. Kobo left over from rounding goes to the largest gift so the totals are exact.
6. Cards issued outside Nigeria
Payments with cards issued outside Nigeria cost more to process (the provider’s international rate is higher). Checkout estimates the fee at the local rate, so on an international card each NGO receives slightly less than shown, even when you cover the fee. Receipts and NGO statements use the actual fee the provider charged.
7. Fees and refunds
The processing fee is refunded only when the whole payment is refunded before payout. When only one gift in a basket is refunded, or a refund happens after payout, the gift is refunded but the processing fee is not. The refund policy has the details.
8. What NGOs see
NGOs see the full breakdown of every gift in their workspace: the gift, the payment provider’s charge, any platform fee and what they received.
9. Changes to fees
If Goodzera switches the platform fee on, or changes it, the change applies only to payments started after it. The checkout total you see and confirm is always the amount you pay. Questions about fees? Contact support.