Fees & Costs Policy
Transparent pricing for all platform services
Effective Date: 1st September 2025
Our Pricing Principles
Transparency
No hidden fees
Cost Recovery
Fair processing fees
Alignment
Success-based fees
Localization
Kenya-compliant
Investor Fees
Processing Fees
Convenience Fee
Up to 3.5%
Applied to offset payment processing costs. Exact fee shown at checkout.
Note: Processing fees are non-refundable once payment is authorized.
Secondary Trading (Future)
Buyer FeeUp to 3.5%
Seller CommissionUp to 3.5%
Issuer (SME) Fees
Success-Based Platform Fee
Platform Fee
3.5% - 12%
Percentage of gross proceeds raised. Only charged on successful funding.
Onboarding Expenses
One-time setup covering:
- • KYC verification for officers/owners
- • Payment rails setup
- • Basic marketing collateral
- • Escrow onboarding
Unspent portions are reconciled at engagement end.
Optional Services
• Transfer agent & cap table services
• Enhanced marketing packages
• Video/pitch design
• Additional compliance support
Priced per service schedule
Payment Methods & Third-Party Charges
Supported Payment Methods
Mobile Money (M-Pesa, Airtel Money)
Bank Transfer/EFT
Debit/Credit Cards
Wire Transfer
Third-Party Charges
Additional charges may apply from:
- • Card networks (Visa, Mastercard)
- • Mobile money operators
- • Correspondent banks
- • Foreign exchange providers
These charges are outside SME4ME's control.
Refund Policy Summary
Questions About Fees?
Contact our finance team for clarification on any charges or to dispute a fee.
Disputes must be raised within 30 days of the charge.