Moneywave Charges

Hello there, I’m working a project that I think money wave will be a good solution for, however I need clarification on the pricing, especially the =N=45 per successful disburse in addition to 1.4% + N10 for Local Cards.

Also, I would like to find out which party pays the listed fees (i.e. payer, merchant or
recipient/beneficiary.

Please see details of pricing on Money-wave below:
Card to Account - This comprises of the card transaction processing fee (1.4% of the amount to charge + N10) and payout to bank account fee (N45); So the fee is 1.4% + N10 + N45.
Account to Account - Only Payout to bank account fee will apply; So the fee is N45 / N50K.
Card to Wallet - Only Card transaction processing fee will apply; So the fee is 1.4% + N10.
Account / Internet Banking to wallet - No Fee will apply for these.
Wallet to Account - Only Payout to bank account fee will apply; So the fee is N45 / N50K.
The Merchant bears the cost for the disburse charge.