Previous rate-card reference
Version 1.0 payment-platform schedule. This is not the proposed SACCO subscription offer.
Version v1.0. Effective 2026-04-19. This page records the previous schedule for payment rails, sector overrides, identity checks, partner API usage, and premium add-on products. Existing signed agreements govern their own terms. For new SACCO subscriptions, view the proposed SACCO pricing.
Transaction tiers
Mobile money, cards, and bank EFT pricing by monthly volume.
| Tier | Threshold | MoMo | Local card | Bank EFT | Payout | Fee cap |
|---|---|---|---|---|---|---|
| Starter | 0 – 50M UGX / month | 2.5% + 100 UGX | 2.9% + 200 UGX | 1,000 UGX flat | Rail cost + 300 UGX | 25,000 UGX |
| Growth | 50M – 500M UGX / month | 2.0% + 100 UGX | 2.5% + 200 UGX | 800 UGX flat | Rail cost + 200 UGX | 15,000 UGX |
| Scale | > 500M UGX / month | 1.5% + 100 UGX | 2.2% + 200 UGX | 600 UGX flat | Rail cost + 100 UGX | 10,000 UGX |
Sector overrides
Some sectors run on different economics.
These rates apply only where SenteRail confirms eligibility during onboarding and re-attestation.
| Sector | Rate | Fee cap | Included |
|---|---|---|---|
| Education | 1.5% flat MoMo · 2.2% local card | 5,000 UGX | EFRIS included |
| Non-profit / public sector | Rail cost + 0.5% | 3,000 UGX | EFRIS, ISO 20022 settlement, audit pack |
| SACCO / microfinance (member flows) | 1.5% flat | 4,000 UGX | Partner API Premium |
| Healthcare providers | 2.0% MoMo | 8,000 UGX | Insurance claim reconciliation |
Credits and add-ons
Credits lower early costs. Add-ons expand the platform.
Adoption credit
First 100,000 UGX of GMV / month — fees waived
Starter-tier only. Applied automatically — no code, no coupon. Prevents the early days of a new merchant from being the expensive days.
90-day ramp
−20 bps on mobile money for your first 90 days in production
Starter-tier only. Gives you time to tune checkout conversion before fees hit full strength.
Kijani climate opt-in
−10 bps on mobile money
Opt into climate contributions on eligible flows and SenteRail absorbs a 10 bps concession on mobile-money fees. Available at any tier.
per fiscalised document
SenteRail Tax (EFRIS)
150 UGX
URA-compliant fiscalisation integrated into every invoice. No separate EFRIS provider.
per merchant / month
Reconciliation Pro
380,000 UGX
Daily close control across telco rails, bank settlement, and the SACCO ledger. Exception aging, owner workflow, and evidence exports.
per merchant / month
Revenue Intelligence
950,000 UGX
Cohort analytics, decline recovery, and margin analysis for finance and product teams.
per endpoint / month
Webhook Reliability (priority)
190,000 UGX
Dedicated delivery workers, tighter replay SLAs, and quota on failed-delivery re-drives.
on covered volume (T+1 / T+0)
Settlement Guarantee
+10 – 20 bps
SenteRail carries settlement risk. Predictable cashflow regardless of partner-bank latency.
per year
Enterprise SLA
From 15,000,000 UGX
Named engineers, 24×7 coverage, regulatory-aligned incident response, dedicated capacity.
Identity and partner API
Usage-based pricing for verification and platform embedding.
SenteRail Identity
First 500 checks / month
Then 500 UGX / check. Includes policy-driven checks, evidence bundles, signed callbacks, and replay tooling.
| Partner API | Base | Included | Overage |
|---|---|---|---|
| Sandbox | Free | Unlimited test calls | — |
| Standard | Free | 1,000 calls / month | 25 UGX / call |
| Growth | 200,000 UGX / month | 10,000 calls / month | 15 UGX / call |
| Enterprise | Custom | Custom commit with SLA | Custom |