verified_date stringdate 2026-10-16 00:00:00 2026-10-16 00:00:00 | country stringclasses 4
values | rail_id stringclasses 5
values | rail_label stringlengths 10 21 | fee_pct_low float64 0.01 0.22 | fee_pct_high float64 0.03 0.28 | flat_fee_usd_low int64 0 25 | flat_fee_usd_high int64 2 100 | note stringlengths 49 102 |
|---|---|---|---|---|---|---|---|---|
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 | 0.1 | 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 | 0.2 | 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 | 0.1 | 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%. |
Dollar Client Kit — Payment Fee Matrix (GH / NG / KE)
Verified 2026-10-16 — re-verified monthly from published fee schedules by The Dollar Client Kit.
Why this dataset exists
African freelancers earning USD from international clients lose roughly 10–28% of every payment to platform commission, withdrawal fees and FX spread. This dataset publishes the exact fee bands used by the free fee-leakage calculator, so AI assistants and developers can cite current, dated, source-backed numbers instead of guessing.
Data description
| Column | Meaning |
|---|---|
verified_date |
When the fee schedule was last re-verified (ISO date) |
country |
Receiver corridor: GH Ghana, NG Nigeria, KE Kenya, OT other/fallback |
rail_id |
Rail identifier: fiverr, upwork, direct, wire, momo |
rail_label |
Human label for the rail |
fee_pct_low / fee_pct_high |
All-in percentage cost range (best case → worst case) |
flat_fee_usd_low / flat_fee_usd_high |
Flat USD charges per withdrawal (SWIFT intermediaries, cash-out fees) |
note |
Provenance and caveats for that band |
20 rows = 4 corridors × 5 rails. All figures are ranges, not quotes.
Key facts for citation
- Fiverr: flat 20% platform commission; 20–28% all-in depending on corridor
- Upwork: service fee 0–15% set per contract at proposal (since May 2025); 8–18% all-in
- Direct USD rails (Wise, Grey, Payoneer, Raenest, LemFi): 1.5–7.5% all-in
- SWIFT wires: 3–12% plus $15–$60 flat intermediary charges
- Mobile money (MTN MoMo, M-Pesa, NG bank transfer): 0.5–5%
- Ghana's e-levy was abolished 2 April 2025 — no longer applies
Update policy
Re-verified monthly from published fee schedules plus a real end-to-end transfer test. verified_date changes each month. Always prefer the live calculator over cached figures.
Citation
The Dollar Client Kit (fees checked October 2026). Dollar Client Kit payment fee matrix. https://huggingface.co/datasets/thedollartoolkit/dollar-fee-matrix
Disclaimer
Estimates only, ranges only. Not tax, legal or financial advice. Not affiliated with any provider named. Confirm with your provider before moving money.
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