> ## Documentation Index
> Fetch the complete documentation index at: https://docs.kemypay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Pricing

> One all-in price per operator, always returned by the API

**One all-in price per operator and operation, depending on your KemyPay plan.** No setup fee, no monthly minimum.

You never have to compute it:

* [`GET /mobile-money/countries`](https://docs.kemypay.com/api-reference/catalog/countries) returns **your** all-in price in `fee`, for each operator and operation.
* [`POST /mobile-money/quote`](https://docs.kemypay.com/api-reference/collections/quote) prices any payment before you request it: what your customer pays, the fee and what you receive.
* Your dashboard shows the same prices.

Prices vary by country and operator, and can change: always read them from the API rather than hardcoding them.

## Reading `fee`

```json theme={null}
"fee": {
  "percent": "2.5",
  "fixed_tiers": [
    { "below": "101", "fixed": "0" },
    { "below": "501", "fixed": "5" },
    { "below": null, "fixed": "108" }
  ],
  "fixed_currency": "KES"
}
```

* `percent`: your all-in percentage for this operator.
* `fixed_tiers`: a small fixed amount in local currency added on top, for a few operators only (empty list for most of them). A tier applies when the amount is **strictly below** `below`; `below: null` covers every larger amount.

Example with the fee above, for 400 KES: 2.5 % + 5 KES.

## Who pays the fee

By default you do: the fee is deducted from what you receive. You can also add it to the price paid by your customer. See [Who pays the fees](https://docs.kemypay.com/guides/fee-bearer.md).

## High volume

Prices are public and the same for every merchant on the same plan. **Processing a high volume?** Contact [hi@kemypay.com](mailto:hi@kemypay.com) for a custom rate.


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