API V2 (recommended)
Limits and fees
Rate limit, minimum and maximum amounts (platform, country, provider), daily limit and fees for deposits, payouts and refunds.
Rate limit#
120 requests per minute per token. Beyond that: 429, with the Retry-After header (seconds to wait before retrying).
The SDKs wait for Retry-After (10 s at most by default) then retry, twice at most; beyond that, they raise a rate-limit error. DAILY_LIMIT_REACHED is never retried.
Minimum and maximum amounts#
An amount is checked before any call to LabPay, at three levels:
| Level | Rule | Error |
|---|---|---|
| Country | Country minimum and cap per currency (e.g. regulatory caps in DR Congo). Current values: Countries and providers. | AMOUNT_TOO_SMALL, AMOUNT_TOO_LARGE |
| Platform | Minimum (when the country sets none) and cap per currency set by LabPay; the lower cap (country or platform) applies. | AMOUNT_TOO_SMALL, AMOUNT_TOO_LARGE |
| Provider | Provider- and operation-specific limits and decimals (GET /V2/providers). | AMOUNT_OUT_OF_BOUNDS, INVALID_AMOUNT |
The error message gives the limit that was crossed (e.g. "Le montant maximum autorisé est de … CDF").
Daily limit#
Until the token is enabled for production (live_enabled: false on GET /V2/account), live collections are limited to a number of transactions per day set by the platform (429 DAILY_LIMIT_REACHED). This limit does not apply to the test key.
Fees#
LabPay fees are a percentage of the amount, paid by the merchant:
| Operation | Effect |
|---|---|
| Deposit | The customer pays amount + fees (total_amount); you are credited with amount. |
| Payout | The recipient receives amount; your balance is debited with amount + fees. |
| Refund | No fee: your balance is debited with the refunded amount. Deposit fees are not refunded. |
- Applied rate: your account's if it has one, otherwise the country's, otherwise the platform default rate (3.5% when none is configured).
- Your account rates are read on
GET /V2/account(fees.deposit_rate,fees.payout_rate). - Every payment shows its actual fees (
fee) and total (total_amount).
Pricing is presented on the LabPay Pricing page. For an account-specific rate, contact us.