Start free. Pay when value is created.
Joining 360 is free. Transaction fees only apply when payments, marketplace transactions, escrow or specialised business services are used.
360 is free to join.
Create an account, build your profile, discover people, products and services, communicate and explore the platform without a monthly subscription.
Transaction fees that match the type of business.
The 360 platform fee is based on the transaction category. Marketplace commissions are normally deducted from the seller or service provider's payout.
Transport & Delivery
Rides, dispatch riders, delivery services and similar low-margin service transactions.
Everyday Commerce
Food, catering, general retail and most physical product transactions.
Lifestyle & Local Services
Tailoring, wigs, electricians, carpenters, beauty, massage and other specialised services.
Digital & Professional
Web development, design, digital products, consulting and other professional services.
| Transaction type | Examples | 360 fee | Usually charged to |
|---|---|---|---|
| Escrow Payment | Safe payments against fraud. Funds held until you’re satisfied. |
1% · min ₦100 · max ₦5,000 + Paystack processing fee |
Sender / Buyer |
| Transport | Ride, bike, transport | 2.5% | Service provider |
| Dispatch & Delivery | Dispatch rider, parcel delivery | 2.5% | Service provider |
| Food & Catering | Meals, catering, baked goods | 3% | Seller |
| Physical Products | Electronics, clothing, household items | 3% | Seller |
| Fashion & Beauty | Tailor, wig, beauty and personal care | 4% | Provider |
| Home Services | Electrician, carpenter, plumber, repairs | 4% | Provider |
| Professional Services | Web development, design, consulting | 5% | Provider |
| Digital Products | Downloads, digital resources and content | 5% | Seller |
Payment processing fees
Payments on 360 are processed through Paystack. Paystack's applicable payment-processing charge is calculated separately from the 360 platform fee and shown where applicable before payment or settlement.
Extra protection when trust matters.
Smart Escrow allows funds to be held securely until the agreed product or service has been delivered.
Smart Escrow Fee
Charged on transactions where Smart Escrow is used.
- ✓ Minimum fee: ₦100
- ✓ Maximum fee: ₦5,000
- ✓ Funds held until completion
How it works
The buyer makes payment and the funds are held securely. Once the agreed product or service is delivered and confirmed, payment is released to the seller or service provider.
This fee is separate from any marketplace commission and payment-processing charge.
Estimate the 360 platform fee.
Enter a transaction amount and category to estimate the 360 commission before payment-processing or escrow fees.
Flexible pricing for Bureau De Change businesses.
Start by paying only for successful transactions or move to one predictable annual plan as transaction volume grows.
Pay as you go
- No annual subscription required
- Fund your 360 Credit balance
- Credits deducted per completed transaction
- Failed or cancelled transactions are not charged
- Managers and cashiers
- Customer management
- Currency and exchange-rate management
- Transaction history and reporting
Annual plan
- Unlimited successful transactions
- No per-transaction 360 BDC charge
- Managers and cashiers
- Customer management
- Currency and exchange-rate management
- Reports and transaction history
- Built for active and high-volume BDCs
- One predictable annual cost
Clear from the beginning.
Do I have to pay to join 360?
No. Creating and maintaining a standard 360 account is free. Fees apply when you use paid transaction or business services.
Is the Paystack fee included in the 360 commission?
No. Payment-processing charges are separate from 360's platform commission and are calculated according to the payment method and applicable Paystack fee.
Is Smart Escrow compulsory?
Escrow may be optional or required depending on the transaction type. Where used, the applicable escrow fee is shown before payment.
When is the 360 marketplace commission charged?
Marketplace commissions apply to successfully completed paid transactions and are normally deducted from the seller or service provider's payout.
Which BDC plan should I use?
BDC Flex works well for businesses that want to start without a large annual commitment. BDC Unlimited is designed for businesses processing higher transaction volumes and wanting a predictable annual cost.
Start using 360 for free.
Pay only when you transact or use specialised business services.