POS Charges Calculator

What is the Free POS Charges Calculator?

The free POS Charges Calculator shows you the exact fee for any card transaction across Nigeria's main payment channels — CBN POS (0.5%, capped at ₦100), NIBSS, USSD, and ATM — all at once. Enter the Transaction Amount and see every channel's charge and the recipient's net amount side by side. The reverse calculator lets you enter how much the recipient should receive and works backward to find the total amount to charge the sender.

• → Find out how much a POS machine will deduct from a customer payment
• → Compare charges across POS, bank transfer, USSD, and ATM channels
• → Calculate the total amount to charge a customer so the recipient gets a specific net amount
• → Help small business owners understand CBN-regulated POS fee caps
• → Check whether a quoted transaction fee matches the official CBN rate

How to Use the Free POS Charges Calculator

1. 1 Enter the transaction amount in the Transaction Amount (₦) field.
2. 2 Read the results table showing each payment channel — CBN POS, NIBSS, USSD, and ATM — with the charge and the net amount the recipient receives.
3. 3 To use the reverse calculator: enter the target amount the recipient should receive in the second input field. The tool calculates the gross amount the sender must pay to ensure the recipient gets exactly that amount after fees.
4. 4 All results update instantly as you type.

Key Features

• 💳
  All major channels

  CBN POS, NIBSS, USSD, and ATM — all four channels shown simultaneously.
• 🔄
  Reverse calculator

  Enter the net amount to receive and find the gross amount to charge.
• 🏦
  CBN-regulated rates

  Uses official CBN POS fee structure: 0.5% capped at ₦100.
• ⚡
  Instant comparison

  Compare all channels at once without switching between calculators.
• 🆓
  Free, no signup

  No account needed.

Example Usage

Transaction Amount: ₦25,000

CBN POS: ₦100 charge → Recipient gets ₦24,900
USSD:    ₦6.98 charge → Recipient gets ₦24,993.02
ATM:     ₦35 charge → Recipient gets ₦24,965

Frequently Asked Questions about the Free POS Charges Calculator

What is the free POS Charges Calculator?

Calculate transaction fees for POS payments and transfers in Nigeria.

Is the POS Charges Calculator free to use?

Yes, the POS Charges Calculator is completely free. No account, subscription, or signup is required — ever.

Does my data get uploaded anywhere?

No. The POS Charges Calculator runs entirely in your browser. Your data is never sent to any server.

Does it work offline?

Yes. Once the page has loaded, the tool works without an internet connection.

Which browsers are supported?

All modern browsers — Chrome, Firefox, Safari, and Edge. No plugins or extensions required.

What is the official CBN POS fee?

The Central Bank of Nigeria (CBN) regulates POS fees at 0.5% of the transaction value, with a maximum charge of ₦100 per transaction. This means any transaction of ₦20,000 or more is capped at ₦100. Some businesses may add their own surcharge on top of this — always ask before transacting.

Who pays the POS charge — the buyer or the seller?

By CBN regulations, the merchant (seller) is responsible for the transaction fee, not the customer. However, many small businesses pass this cost on to customers as a surcharge. The legality of customer surcharges has been debated by the CBN — check the latest guidelines for current rules.

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