Pricing Rules

Pricing rules let you set a markup above the RizPay base rate. Your customers pay the base rate plus your markup. You earn the markup on every transaction.

Navigate to Storefront > Pricing Rules in my.rizpay.app to manage your rules. You must have an approved storefront to access this section.

Scope levels

Rules apply at four scope levels. More specific rules take precedence over broader ones.

Scope	Example	When to use
Global	All products	One uniform markup for everything
Network	MTN only	Different rate per mobile network
Product type	All airtime	Different rate per category
Product	A specific data plan	Per-product precision pricing

A product-level rule overrides a global rule for that product. A network-level rule overrides a global rule for all products on that network.

Markup types

Percentage: markup_value is a percentage added to the base price.

• Example: markup_value: 2 means the customer pays 2% more than the base rate.

Flat (Naira): markup_value is a fixed Naira amount added to the base price.

• Example: markup_value: 50 means the customer pays 50 Naira more than the base rate, regardless of transaction size.

Min and max markup

For percentage rules, you can optionally set minimum and maximum Naira caps:

• min_markup: the minimum Naira amount charged regardless of percentage result
• max_markup: the maximum Naira amount charged regardless of percentage result

Example: A global rule of 2% with a 200 Naira max:

• A 1,000 Naira airtime purchase: customer pays 1,020 Naira (2% = 20 Naira, below the cap). You earn 20 Naira.
• A 20,000 Naira electricity token: customer pays 20,200 Naira (2% would be 400 Naira, capped at 200). You earn 200 Naira.

Managing rules

• You can have one active rule per scope combination at a time
• Deleting a rule deactivates it (soft delete - it is not permanently removed)
• New rules take effect immediately on your live storefront