| verified_date,country,rail_id,rail_label,fee_pct_low,fee_pct_high,flat_fee_usd_low,flat_fee_usd_high,note |
| 2026-10-16,GH,fiverr,Fiverr payout,0.22,0.28,2,5,"Fiverr 20% commission + Payoneer/withdrawal + FX to GHS. All-in 22-28%." |
| 2026-10-16,GH,upwork,Upwork payout,0.08,0.18,1,4,"Upwork variable 0-15% per contract (set at proposal since May 2025) + withdrawal/FX. All-in 8-18%." |
| 2026-10-16,GH,direct,direct USD rail,0.015,0.06,0,3,"Wise/Grey/Payoneer/Raenest/LemFi - FX + GHS cashout, 1.5-6%." |
| 2026-10-16,GH,wire,SWIFT to GHS bank,0.03,0.09,15,50,"SWIFT intermediary $15-$50 flat + receiving bank FX spread 1-4%. Budget high end." |
| 2026-10-16,GH,momo,MTN MoMo receipt,0.015,0.05,0,2,"MTN MoMo send/withdraw fees; e-levy abolished 2 Apr 2025 (no longer applies)." |
| 2026-10-16,NG,fiverr,Fiverr payout,0.22,0.28,2,5,"Fiverr 20% commission. Plus withdrawal + FX to NGN via domiciliary/VACD. All-in 22-28%." |
| 2026-10-16,NG,upwork,Upwork payout,0.08,0.18,1,4,"Upwork variable 0-15% per contract (set at proposal since May 2025) + withdrawal to NGN. All-in 8-18%." |
| 2026-10-16,NG,direct,direct USD rail (NG),0.02,0.075,0,4,"Grey/Raenest/Payoneer/Wise to NGN. FX + cashout spreads slightly wider than GH, 2-7.5%." |
| 2026-10-16,NG,wire,SWIFT to NGN,0.05,0.12,25,60,"SWIFT to domiciliary account in NG: higher intermediary + CBN-related frictions. 5-12%." |
| 2026-10-16,NG,momo,NG bank transfer,0.005,0.03,0,100,"NG has no e-levy; naira bank/cashout fees are flat (NGN 50-100 per transfer), pct is low." |
| 2026-10-16,KE,fiverr,Fiverr payout,0.22,0.28,2,5,"Fiverr 20% commission. Plus withdrawal + FX to KES. All-in 22-28%." |
| 2026-10-16,KE,upwork,Upwork payout,0.08,0.18,1,4,"Upwork variable 0-15% per contract (set at proposal since May 2025) + withdrawal to KES. All-in 8-18%." |
| 2026-10-16,KE,direct,direct USD rail (KE),0.02,0.07,0,4,"Wise/Payoneer/LemFi to M-Pesa or KES bank. 2-7% including M-Pesa cashout." |
| 2026-10-16,KE,wire,SWIFT to KES bank,0.04,0.10,20,55,"SWIFT intermediary + KES receiving bank fees. 4-10%." |
| 2026-10-16,KE,momo,M-Pesa receipt,0.01,0.045,0,50,"M-Pesa send/withdraw tariffs are banded; % cost is 1-4.5% for typical invoice sizes." |
| 2026-10-16,OT,fiverr,Fiverr payout,0.20,0.26,2,5,"Fiverr 20% commission + withdrawal + FX. All-in 20-26%." |
| 2026-10-16,OT,upwork,Upwork payout,0.08,0.18,1,4,"Upwork variable 0-15% per contract (set at proposal since May 2025) + local FX. All-in 8-18%." |
| 2026-10-16,OT,direct,direct USD rail,0.015,0.065,0,3,"Wise/Payoneer/local fintech. FX + local cashout, 1.5-6.5%." |
| 2026-10-16,OT,wire,SWIFT wire,0.03,0.10,15,55,"SWIFT + receiving bank. $15-$55 flat + FX. 3-10%." |
| 2026-10-16,OT,momo,mobile money / wallet,0.01,0.05,0,3,"Local mobile money or e-wallet; varies widely by country, 1-5%." |
|
|
