Two commission programs
A FinFlo agent can run one or both. They are paid separately, in different currencies, into different balances.
Mobile Money agency
50%of the customer's cash-out fee
- Cash-out (customer withdraws cash from you) — a fixed commission per amount band, worth half the fee the customer pays.
- Cash-in (you deposit into a customer's wallet) — 1.5% of the amount, paid by FinFlo. The customer pays nothing.
- Paid in UGX into your Commission balance, instantly, per transaction.
YEM Trade (OTC)
2%of every YEM trade you settle
- You pay a seller cash (or USDT) and receive their YEM back plus 2% on top.
- Paid in YEM, claimed to your YEM UID once the seller confirms they received their money.
- Trade in any currency you and your customer agree on — worldwide.
Mobile Money agent commissions
Two directions of cash movement, two different ways you are paid.
Customer takes cash from you
Wallet → your till, whether the customer confirms in-app or you scan their QR code. Student Card and Pocket Card cash-outs earn on the same table, settled straight into your wallet instead of your Commission balance.
- The customer is debited amount + the tiered fee from their wallet.
- Your float rises by the full amount — you hand over that cash.
- Your Commission balance rises by the tier commission — roughly half the fee. FinFlo keeps the rest.
Amounts of UGX 500 and below are free for the customer and earn no commission.
You deposit into a customer's wallet
Your till → wallet, or straight out to any mobile money number.
- The customer pays no fee at all.
- Your float drops by the amount; their wallet is credited in full.
- You earn 1.5% of the amount, funded by FinFlo, straight into your Commission balance.
Sending to an external mobile money number earns the same 1.5%, calculated on the UGX value of the payout.
Cash-out commission table
Fixed amounts per band — not a percentage. The customer fee is disclosed to them before they confirm.
| Transaction amount | Customer fee | Your commission | Your share of fee | Effective rate |
|---|---|---|---|---|
| Up to 500 | Free | — | — | — |
| 501 – 2,500 | 330 | 165 | 50% | 6.6% |
| 2,501 – 5,000 | 440 | 220 | 50% | 4.4% |
| 5,001 – 30,000 | 880 | 440 | 50% | 1.47% |
| 30,001 – 60,000 | 1,210 | 605 | 50% | 1.01% |
| 60,001 – 125,000 | 1,925 | 963 | 50% | 0.77% |
| 125,001 – 250,000 | 3,575 | 1,788 | 50% | 0.72% |
| 250,001 – 500,000 | 5,775 | 2,888 | 50% | 0.58% |
| 500,001 – 1,000,000 | 10,450 | 5,225 | 50% | 0.52% |
| 1,000,001 – 2,000,000 | 19,800 | 9,900 | 50% | 0.5% |
| 2,000,001 – 5,000,000 | 35,200 | 17,600 | 50% | 0.35% |
All figures in UGX. Amounts above 5,000,000 use the top band. Bands are inclusive of the upper amount.
The same table in US dollars
For agents who think in dollars. Converted at the platform rate of UGX 4,700 = $1. UGX is the currency of record: you are charged, credited, and paid in shillings, so treat these as a guide that moves with the rate.
| Transaction amount | Customer fee | Your commission | Your commission (UGX) |
|---|---|---|---|
| Up to $0.11 | Free | — | — |
| $0.11 – $0.53 | $0.07 | $0.04 | 165 |
| $0.53 – $1.06 | $0.09 | $0.05 | 220 |
| $1.06 – $6.38 | $0.19 | $0.09 | 440 |
| $6.38 – $12.77 | $0.26 | $0.13 | 605 |
| $12.77 – $26.60 | $0.41 | $0.20 | 963 |
| $26.60 – $53.19 | $0.76 | $0.38 | 1,788 |
| $53 – $106 | $1.23 | $0.61 | 2,888 |
| $106 – $213 | $2.22 | $1.11 | 5,225 |
| $213 – $426 | $4.21 | $2.11 | 9,900 |
| $426 – $1,064 | $7.49 | $3.74 | 17,600 |
Dollar bands are the UGX bands converted, so they shift as the rate does — the band that applies to a transaction is always decided in UGX.
Cash-in, in dollars
Cash-in pays 1.5% of the amount, so the dollar figure scales with no table needed: about $1.50 for every $100 you deposit into a customer's wallet, or $15 per $1,000.
YEM trades, in dollars
YEM commission is 2% of the trade, so it is already currency-neutral: a trade worth $500 pays you about $10 in YEM, and a $5,000 trade about $100. You settle in whatever currency you and your customer agree on.
Thresholds, in dollars
Cash-outs at or below $0.11 are free and earn nothing. The minimum earnings withdrawal of UGX 10,000 is about $2.13. The YEM fuel fee of UGX 3,000 is about $0.64.
Customer withdraws UGX 100,000
- Customer wallet debited
- UGX 101,925
- Cash you hand over
- UGX 100,000
- Your float increases by
- UGX 100,000
- You earn
- UGX 963about $0.20
Fee of UGX 1,925 is split: UGX 963 to you, UGX 962 to the platform.
You deposit UGX 100,000 for a customer
- Customer pays in fees
- Nothing
- Customer wallet credited
- UGX 100,000
- Your float decreases by
- UGX 100,000
- You earn (1.5%)
- UGX 1,500about $0.32
On many bands cash-in pays more than cash-out. Serving both directions keeps your float cycling and your earnings up.
Where mobile money commission lands
Commission is credited the moment a transaction completes — nothing to invoice, nothing to wait for.
Commission balance
A dedicated earnings balance, separate from your working float. Visible on your Agent app dashboard with a per-period breakdown of volume and commission.
Move it to float
Convert any part of your earnings into working capital with your PIN, instantly. Useful when demand for cash-in outruns your till.
Withdraw it
Cash out earnings to mobile money or bank. Minimum UGX 10,000 per withdrawal; standard withdrawal charges apply (mobile money 1%, min UGX 1,000 / max UGX 10,000; bank transfer UGX 5,000 flat).
Referral split
If you joined FinFlo through someone's referral, 0.5% of your gross UGX commission on each transaction goes to whoever referred you, and you keep the remaining 99.5%. It comes out of the commission slice — it is never an extra charge to your customer, and it does not apply to YEM trades. Where the referral programme is switched off for an account, you keep the full commission.
YEM Trade (OTC) commissions
YEM holders sell to you; you pay them out in cash or USDT and receive their YEM plus your commission.
How a 5% trade fee is split
The seller is charged 5% in YEM on top of the YEM they are selling. That fee is the only source of your commission — nothing is taken from your own balance.
The seller also pays a UGX 3,000 network fuel fee from their Fuel Fee Wallet. That fee covers on-chain costs and is refunded if you decline the trade — it is not part of your commission.
A customer sells you 100 YEM
- Seller's YEM debited
- 105 YEM100 + 5% fee
- Cash / USDT you pay them
- Value of 100 YEMat the live sell rate, in your agreed currency
- YEM you receive
- 102 YEM100 principal + 2 commission
- Platform keeps
- 3 YEM3%
Your 2% is calculated on the YEM value of the trade, so it scales with the size of the deal in whatever currency you settle in.
Trade is settled
The seller's YEM is held the moment they request the trade. You pay them cash in person, or send USDT (TRC20) to their address, and mark the trade complete.
Buyer confirms receipt
Your commission sits as unclaimed until the seller taps “Received my Cash”. This protects both sides — and is why keeping payouts prompt keeps your earnings flowing.
Claim to your UID
Claim all confirmed commissions at once and the total YEM — your principal plus commission — is sent on-chain to your own YEM UID.
When commission is not paid
If you decline a trade, the seller's YEM and fuel fee are returned and no commission is created. If a dispute is resolved in the seller's favour, the commission on that trade is voided. Declined and failed trades never appear as claimable earnings.
Becoming a YEM trade agent
One-time onboarding to unlock OTC trading. Payable by mobile money (UGX) or PayPal (USD), and the mobile money route can be paid in two parts.
| Item | UGX | USD | Notes |
|---|---|---|---|
| Trade YEM licence | 1,000,000 | 250.00 | Renewed annually (365 days). |
| Security deposit | 4,000,000 | 1,000.00 | Held, not spent. May be used to make a customer whole if you fail to settle a trade. |
| Total to activate | 5,000,000 | 1,250.00 | Choose the currencies you will trade in when you activate. |
You also set your own minimum and maximum trade size, so you only receive requests you can actually fund.
What agents do not earn commission on
We publish this so there are no surprises when you check your earnings.
Wallet-to-wallet transfers
Sending money between FinFlo wallets is free for users and carries no agent commission.
Bills, airtime and data
Utility, airtime and data purchases carry their own service fees to the payer. No agent commission is attached to them.
Merchant payments
Customer-to-merchant payments are charged to the merchant, not the customer, and are outside the agent programme.
Very small cash-outs
Withdrawals of UGX 500 and below are free to the customer, so no commission is generated.
Fuel and network fees
The UGX 3,000 fuel fee on YEM trades covers on-chain costs. It is not shared with agents.
Teller OTC withdrawals
Over-the-counter teller withdrawals charge the customer from the same fee table, but the fee is not shared as agent commission.
Your own top-ups
Funding your float or your Fuel Fee Wallet is a transfer of your own money — it earns nothing and is not a commissionable transaction.
Start earning on FinFlo
Mobile money agency needs nothing more than a verified account and float. YEM trading unlocks with a licence and security deposit. Many agents run both.
Rates on this page are read directly from the live FinFlo platform configuration at the time this page was served. FinFlo may revise commission rates, fees and onboarding costs; material changes are published here and in the Agent app. Individual accounts may have a negotiated cash-in rate, and specific programmes can be enabled or disabled per account. Nothing on this page is an offer of employment or a guarantee of earnings.
Questions? support@finflo.net · Transparency & Compliance