Fee products: PeerPesa pricing for every transaction type

PeerPesa groups its pricing into fee products: one fee schedule per transaction type, such as onramp, offramp, swap, or send. Each fee product defines a percentage fee, a fixed fee, minimum and maximum caps, and whether a network fee applies. Use the fee products endpoints to show pricing in your app before a user starts a transaction, then rely on the quote for the exact, locked fee.

Fee products

Product	Applies to	Fee components
`onramp`	Fiat to crypto through Onramp	Processing fee + network fee
`offramp`	Crypto to fiat through Offramp	Processing fee + network fee
`buy`	Buying crypto from your wallet with fiat through Buy	Processing fee
`withdraw`	Paying out wallet balance to a bank account or mobile money through Withdraw	Processing fee
`swap`	Converting between assets through Swap	App fee + network fee
`send`	On-chain sends to external wallets through Send	App fee + network fee
`internal_transfer`	Sends to another PeerPesa user	Free
`deposit`	Crypto received on a deposit wallet	Free

How fees are calculated

For each transaction, PeerPesa calculates the fee from the fee product that matches the transaction type, the asset or fiat currency, and the network:

Fee formula

processing_fee = clamp(amount × percentage / 100 + fixed, min_fee, max_fee)
total_fee      = processing_fee + network_fee

percentage and fixed are applied to the transaction amount, in the fee product’s fee_currency.
The result is raised to min_fee or lowered to max_fee when it falls outside the caps.
network_fee is the current blockchain fee for the network and changes with network conditions.

Fee products show indicative pricing. The exact fee for a transaction is the fee object returned by the quote or estimate, which stays fixed for the quote’s 30-minute validity.

The fee product object

string

Unique identifier, for example fee_offramp_kes.

string

Transaction type the fee applies to: onramp, offramp, buy, withdraw, swap, send, internal_transfer, or deposit.

string

Display name, for example Offramp to KES.

string | null

Network the fee applies to: stellar, celo, or btc. null when it applies to all networks.

string | null

Asset the fee applies to, for example USDC. null when it applies to all assets.

string | null

Fiat currency for fiat products: KES, TZS, NGN, ZAR, or ZMW. null for crypto-only products.

string | null

Fiat payment method the fee applies to: bank_account or phone_number. null when it applies to all methods.

string

Currency the fixed, minimum, and maximum fees are expressed in.

string

Percentage fee charged on the amount, for example "1.00" for 1%.

string

Flat fee added to every transaction.

string

Minimum processing fee charged.

string | null

Maximum processing fee charged. null for no cap.

object | null

Current network fee, or null when no on-chain transaction is involved.

Show properties

string

Current network fee.

string

Currency of the network fee.

string

customer when added to the fee, peerpesa when PeerPesa covers it.

object

Transaction amount limits for this product.

Show properties

string

Smallest allowed transaction amount.

string

Largest allowed transaction amount.

string

Currency the limits are expressed in.

string

active or inactive. Inactive products cannot be used for new transactions.

string

ISO 8601 timestamp of the last pricing change.

GET /fees

Lists fee products. Supports pagination and filters.

string

Filter by product, for example offramp. Comma-separate to match several.

string

Filter by network: stellar, celo, or btc.

string

Filter by asset, for example USDC.

string

Filter by fiat currency, for example KES.

string

Filter by bank_account or phone_number.

string

default:"active"

active, inactive, or all.

integer

default:"1"

Page number to return.

integer

default:"20"

Results per page, up to 100. limit is accepted as an alias.

curl "https://api.peerpesa.co/v1/fees?product=offramp&fiat_currency=KES" \
  -H "Authorization: Bearer $ACCESS_TOKEN"

const res = await fetch(
  "https://api.peerpesa.co/v1/fees?product=offramp&fiat_currency=KES",
  { headers: { Authorization: `Bearer ${accessToken}` } }
);
const { data: feeProducts, pagination } = await res.json();

Response

{
  "data": [
    {
      "id": "fee_offramp_kes_mm",
      "product": "offramp",
      "name": "Offramp to KES mobile money",
      "network": null,
      "asset": "USDC",
      "fiat_currency": "KES",
      "payment_method": "phone_number",
      "fee_currency": "USDC",
      "percentage": "1.00",
      "fixed": "0.00",
      "min_fee": "0.50",
      "max_fee": "25.00",
      "network_fee": { "amount": "0.01", "currency": "XLM", "paid_by": "peerpesa" },
      "limits": { "min_amount": "5.00", "max_amount": "5000.00", "currency": "USDC" },
      "status": "active",
      "updated_at": "2026-10-01T00:00:00Z"
    },
    {
      "id": "fee_offramp_kes_bank",
      "product": "offramp",
      "name": "Offramp to KES bank account",
      "network": null,
      "asset": "USDC",
      "fiat_currency": "KES",
      "payment_method": "bank_account",
      "fee_currency": "USDC",
      "percentage": "0.75",
      "fixed": "1.00",
      "min_fee": "1.00",
      "max_fee": "50.00",
      "network_fee": { "amount": "0.01", "currency": "XLM", "paid_by": "peerpesa" },
      "limits": { "min_amount": "10.00", "max_amount": "20000.00", "currency": "USDC" },
      "status": "active",
      "updated_at": "2026-10-01T00:00:00Z"
    }
  ],
  "pagination": { "page": 1, "size": 20, "total": 2, "total_pages": 1 }
}

The fee values in these examples are illustrative only. Always read live pricing from the API.

GET /fees/{id}

Retrieves one fee product. Returns 404 with code not_found if the ID does not exist.

cURL

curl https://api.peerpesa.co/v1/fees/fee_offramp_kes_mm \
  -H "Authorization: Bearer $ACCESS_TOKEN"

POST /fees/calculate

Calculates the fee for an amount without creating a quote or locking a rate. Use it to show a live fee preview while a user types an amount.

string

required

Fee product, for example offramp or swap.

string

required

Transaction amount as a decimal string.

string

required

Currency of amount, for example USDC.

string

Network: stellar, celo, or btc. Required for products with a network fee.

string

Fiat currency. Required for onramp, offramp, buy, and withdraw.

string

bank_account or phone_number. Required when pricing differs by method.

string

Target asset. Required for swap.

curl -X POST https://api.peerpesa.co/v1/fees/calculate \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "product": "offramp",
    "amount": "100.00",
    "currency": "USDC",
    "network": "stellar",
    "fiat_currency": "KES",
    "payment_method": "phone_number"
  }'

const res = await fetch("https://api.peerpesa.co/v1/fees/calculate", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${accessToken}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    product: "offramp",
    amount: "100.00",
    currency: "USDC",
    network: "stellar",
    fiat_currency: "KES",
    payment_method: "phone_number",
  }),
});
const fee = await res.json();

Response

{
  "fee_product_id": "fee_offramp_kes_mm",
  "product": "offramp",
  "amount": "100.00",
  "currency": "USDC",
  "fee": {
    "total": "1.00",
    "currency": "USDC",
    "processing_fee": "1.00",
    "network_fee": "0.00"
  },
  "net_amount": "99.00",
  "breakdown": {
    "percentage": "1.00",
    "percentage_fee": "1.00",
    "fixed": "0.00",
    "min_fee_applied": false,
    "max_fee_applied": false
  }
}

object

Fee for this amount, in the same shape as the fee object on quotes.

string

Amount left after fees, in currency.

object

How the processing fee was derived, including whether the minimum or maximum cap was applied.

Errors

Code	Status	Cause
`missing_parameter`	400	A field required for the `product` is missing, such as `fiat_currency` for `offramp`.
`invalid_parameter`	400	Unknown `product` or a malformed `amount`.
`unsupported_pair`	422	No active fee product for this combination of product, asset, network, and fiat currency.
`amount_too_low`	422	`amount` is below `limits.min_amount`.
`amount_too_high`	422	`amount` is above `limits.max_amount`.
`not_found`	404	No fee product with this ID.

Create a quote

Lock the exact rate and fee for 30 minutes.

Check rates

Get live exchange rates before quoting.

​Fee products

​How fees are calculated

​The fee product object

​GET /fees

​GET /fees/{id}

​POST /fees/calculate

​Errors

Create a quote

Check rates

Fee products

How fees are calculated

The fee product object

GET /fees

GET /fees/{id}

POST /fees/calculate

Errors