Understanding Charges
This page explains the line items on a PayBru receipt.
Receipt Line Items
Typical line items are:
| Line item | Description |
|---|---|
| Membership fee | The price of the tier you're subscribed to, as set by the creator. |
| Platform fee | PayBru's fee (5% of the transaction amount). |
| Gateway fee | Paystack's fee (2.9% + R1 per transaction). |
| VAT | Value-Added Tax, if applicable to the transaction. |
| Total | The final amount charged to your payment method. |
Membership Fee
This is the tier price set by the creator.
- Prices are always in ZAR.
- The amount stays the same unless you change tiers.
Fee Breakdown
PayBru breaks its fees out on every receipt.
Platform Fee - 5%
This is PayBru's service fee.
Gateway Fee - 2.9% + R1
This is the payment processing fee charged by Paystack.
For members, the amount you pay matches the tier price. Platform and gateway fees are deducted from the creator's earnings.
VAT
VAT is currently 0%.
How VAT appears on your receipt:
- VAT is tracked per transaction.
- The VAT line item appears as R0.00.
- All amounts are shown in ZAR.
If the VAT rate changes in the future, it will be reflected on receipts going forward.
If a Charge Looks Wrong
If you see an amount on your receipt or bank statement that you don't recognise:
- Check your active subscriptions in My Activity > My Memberships to see which creators you're subscribed to and at what tier.
- Review your payment history in My Activity > My Payments to match the charge date with a specific transaction.
- Compare the receipt amount with the tier price on the creator's page.
If the charge still doesn't make sense, contact PayBru support with your receipt number and they will investigate.
Bank statements may show Paystack as the merchant name rather than PayBru.
See also: