Selon que vous rechargiez votre compte/carte ou que vous effectuiez un retrait d’argent, sachez que des frais peuvent être appliqués. Ceci étant, il conviendra que vous soyez objectifs au moment de vous recharger sur PayQin afin d’utiliser vos fonds efficacement. Pourquoi ?
L’objectif de base de PayQin est de faciliter l’accès aux paiements en ligne au plus grand nombre. D’ailleurs, la simplicité qu’offrent nos services ainsi que la gestion digitale du système ne font que conforter cette vision.
Les frais de transaction
Maintenant, venons-en aux frais de transaction. Ils s’élèvent à 3,5% pour les rechargements du Mobile Money vers le compte PayQin, et 2% pour les retraits de PayQin vers Mobile Money. Une fois la carte VISA virtuelle créée, les rechargements sur la carte sont facturés à 1$ et ce, quel que soit le montant rechargé.
Lire aussi : Les devises PayQin : principe de fonctionnement
Pour revenir à cette question d’objectivité, marquons un arrêt sur l’impact d’un rechargement, puis d’un retrait d’argent pour l’utilisateur. À titre d’exemple, prenons le cas d’un rechargement de 10 000 FCFA qui sera ensuite retiré.
Illustration
- 9 650 FCFA restants sur le compte après un rechargement de 10 000 FCFA (3,5% de frais de rechargement)
- 9060 FCFA (15,355 $) de disponible finalement sur la carte (1$ de frais de rechargement de la carte).
- 8 878 FCFA après retrait vers le Mobile Money (2% de frais de retrait).
- Ajoutés à cela les frais de retrait de votre opérateur et vous pouvez vous retrouver avec un peu plus de 8 000 FCFA au final.
Finalement, vous aurez perdu presque 20% suite à un rechargement, puis à un retrait du montant de base. Pour conclure, soyez donc résolument objectifs au moment de vous recharger pour limiter les pertes d’un retrait éventuel par la suite.
Vous n’avez pas encore de compte PayQin ? Vous pouvez commencer par télécharger l’application ici :
👉 Play Store
👉App Store
PayQin: Vous allez aimer payer en ligne.
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