Finova Africa – Complete Pricing

₦25,700 Monthly Cloud Fee | All setup fees are one-time

Minimum vault balance: ₦200,000 (maintained during usage)

Pricing Plans

NOTE: We do not hold customer funds. All inflows and outflows are handled by licensed partner banks. We provide only the technology infrastructure that enables and manages the process.

Starter Plan

₦150,000
  • Admin dashboard only ( this suitable for partners that has field staffs that goes out to collect money from customer,
  • And also suitable for fianance house, that just want only accounting solution for their operations, that does not need mobile app for their customers
  • Create account, deposit funds, do all bank end transactions but no no mobile app for their customers.

White Label

Gold 1 Plan (White Label)

₦300,000
  • Admin dashboard
  • White-label Android app
  • Recieve money from other bank
  • Send Money to other banks
  • Data & bill payment
  • Loan & investment
  • App uploaded on Playstore Alone

Gold 2 Plan (White Label)

₦500,000
  • Admin dashboard, Inflow, Inter Bank Transfer, Buy Airtime & Data, Pay all Bills, & Loan & investment features.
  • Recieve money from other bank
  • Send Money to other banks
  • POS Balance on the app
  • POS integration with your prefered providers
  • Virtual Naira & Dollar ATM Cards
  • ATM physical cards ( customised in your company name and logo or prefered it plain, you will also be chance to add withdrawal charges on the atm card transaction) Minimum purchase 500 peace.
  • E-commerce ( You will be able to upload what ever products you sell to your customers on your mobile, customers will be able to purchase your products fro the mobile app.)
  • Multiple savings accounts ( Customer can by them self add more than one savings products account, this is suiatable for people who have target savings or ajo products.)
  • App uploaded on Playstore Alone

Gold 2 Special (White Label)

₦700,000
  • Admin dashboard, Inflow, Inter Bank Transfer, Buy Airtime & Data, Pay all Bills, & Loan & investment features.
  • Recieve money from other bank
  • Send Money to other banks
  • POS Balance on the app
  • POS integration with your prefered providers
  • Virtual Naira & Dollar ATM Cards
  • ATM physical cards ( customised in your company name and logo or prefered it plain, you will also be chance to add withdrawal charges on the atm card transaction)
  • E-commerce ( You will be able to upload what ever products you sell to your customers on your mobile, customers will be able to purchase your products fro the mobile app.)
  • Multiple savings accounts ( Customer can by them self add more than one savings products account, this is suiatable for people who have target savings or ajo products.)
  • You will be allowed to choose a uniques mobile app design from the list of designs we have.
  • App uploaded on Playstore Alone

Premium Plan (White Label)

₦1,000,000
  • Admin dashboard, Inflow, Inter Bank Transfer, Buy Airtime & Data, Pay all Bills, & Loan & investment features.
  • POS integration with your prefered providers
  • Recieve money from other bank
  • Send Money to other banks
  • POS Balance on the app
  • Virtual Naira & Dollar ATM Cards
  • ATM physical cards ( customised in your company name and logo or prefered it plain, you will also be chance to add withdrawal charges on the atm card transaction)
  • E-commerce ( You will be able to upload what ever products you sell to your customers on your mobile, customers will be able to purchase your products fro the mobile app.)
  • Multiple savings accounts ( Customer can by them self add more than one savings products account, this is suiatable for people who have target savings or ajo products.)
  • You will be allowed to choose a uniques mobile app design from the list of designs we have.
  • Android & iOS deployment
  • Priority support

Standard Plan

₦5,000,000
  • (3-in-1 Country app)
  • Every Country has his own interface
  • Nigeria: All Premium features
  • Ghana: Bills, cross-border, wallet transfers, dollar card
  • United Kingdom: Bills, airtime, dollar card, cross-border
  • Android Play Store and ios deployment

With source code: ₦10,000,000

Real Estate App with Financials App Features (White Label)

₦3,000,000
  • Buy
  • Rent
  • Lease
  • Buy Now Pay Later
  • Unlimited users
  • All banking app features

Special Project

  • If you have any other idea
  • Let’s talk and we will negotiate the fee

Logistics App (Uber / InDrive Style). (with source code)

₦15,000,000
  • Full logistics application where your customer can book ride and drivers pick up ride. operate fully like bolt and uber
  • Geographical feature

Additional Products & Services

API Collection

₦300,000
  • Virtual accounts (4 banks)
  • ATM virtual account both naira and dollar card
  • Interbank transfer
  • BVN integration
  •  Webhook Notification
  • Loan & investment module
  • Dollar Card
  • Cross Boarder service

Website Development (With Source Code and cpanel logins)

₦500,000
  • Professional fintech website

WhatsApp Banking

₦500,000
  • Branded WhatsApp banking( its allow your customer to do transaction from their watsap dedicated number. its has all features mobile app has.

Mobile App (With Source Code)

₦4,000,000
  • Admin dashboard, Inflow, Inter Bank Transfer, Buy Airtime & Data, Pay all Bills, & Loan & investment features.
  • POS integration with your external POS privider.
  • Virtual Naira & Dollar ATM Cards
  • Whatsapp Banking integration
  • ATM physical cards ( customised in your company name and logo or prefered it plain, you will also be chance to add withdrawal charges on the atm card transaction)
  • E-commerce ( You will be able to upload what ever products you sell to your customers on your mobile, customers will be able to purchase your products fro the mobile app.)
  • Multiple savings accounts ( Customer can by them self add more than one savings products accounts, this is suiatable for people who have target savings or ajo products.)
  • You will be allowed to choose a uniques mobile app design from the list of designs we have.
  • The app Source code will be pushed to you after development

Transaction & Card Fees

Transaction Fees

ServiceFee
App Transfer (Interbank)₦15
POS Payment0.49% (Cap ₦90)
Safe Heven Virtual Account 0.7% (Cap ₦100) Min ₦10
Parallex bank ( commercial bank) Free inflow
9PSB Virtual Account ( commercial bank) 0.5% (Cap ₦100) Min ₦20
Kuda Virtual Account ( MFB bank) Free inflow
Corporate Account Search₦3,000
ATM Card Charge on atm machine ₦35 But on POS machine #5
ATM Maintenance on every atm card ₦150 per atm cards every 3 months
SMS₦6
BVN Verification₦50
NIN Verification₦70
Credit Check₦300

Card Pricing (NGN)

ServiceFee
Physical Card₦2,100
Virtual Card₦200
ATM Withdrawal ₦35

Minimum order: 500 cards

ATM Vault: Maintain Minimum Vault Balance: ₦300,000

Dollar Card Fees

ServiceFee
Card Creation$3
Card Funding$2 (<$100) / 2.5% (>$100)
Card Maintenance $2 per card every 3 months
Chargeback$50
Cross-border3.5% + $1
Maintain Minimum Vault Balance$400

POS Devices

DevicePrice
Mini POS₦30,000
Mini POS + Printer₦65,000
Android POS₦75,000 – ₦85,000

Minimum order: 200 units