diff --git a/DEPLOY.md b/DEPLOY.md
index 2842ea2..2f240fc 100644
--- a/DEPLOY.md
+++ b/DEPLOY.md
@@ -2,7 +2,7 @@
 
 Standalone app for **trader payment QRs** at `mini.ladill.com` — static scan-to-pay
 codes with amount entry, no catalog. Takings settle into the one platform
-UserWallet (5% fee), then withdraw via `account.ladill.com`.
+UserWallet (3.5% fee), then withdraw via `account.ladill.com`.
 
 Public scans stay at `ladill.com/q/<code>` (blueprint decision — printed codes
 never migrate). The platform host forwards payment codes to this app (see
@@ -90,7 +90,7 @@ php artisan config:cache route:cache view:cache
 
 - SSO login at `mini.ladill.com`
 - Create a payment QR, download PNG
-- Scan `/q/<code>`, pay test amount, confirm wallet credit (net of 5%)
+- Scan `/q/<code>`, pay test amount, confirm wallet credit (net of 3.5%)
 - Withdraw from `account.ladill.com/wallet`
 
 ## Product IA (blueprint)
diff --git a/app/Models/MiniPayment.php b/app/Models/MiniPayment.php
index 53f646f..8e9f704 100644
--- a/app/Models/MiniPayment.php
+++ b/app/Models/MiniPayment.php
@@ -16,7 +16,7 @@ class MiniPayment extends Model
     public const STALE_PENDING_HOURS = 6;
 
     /** Platform fee on trader payments (Ladill Mini tier). */
-    public const PLATFORM_FEE_RATE = 0.05;
+    public const PLATFORM_FEE_RATE = 0.035;
 
     protected $fillable = [
         'pay_order_id',
diff --git a/app/Services/Afia/AfiaService.php b/app/Services/Afia/AfiaService.php
index d51bb2d..937b034 100644
--- a/app/Services/Afia/AfiaService.php
+++ b/app/Services/Afia/AfiaService.php
@@ -102,7 +102,7 @@ class AfiaService
         - Payment QRs: create a payment QR — set a fixed amount (or let payers enter one) and a label, then publish and share the link or QR for customers to scan and pay.
         - Payments: incoming payments from your QRs — view payer, amount, and status.
         - Payouts: collected funds land in your Ladill wallet; request a withdrawal to your bank or mobile money from Payouts.
-        - Fees: Ladill takes a 5% platform fee on payments; the remainder is yours.
+        - Fees: Ladill takes a 3.5% platform fee on payments; the remainder is yours.
         - Account & Wallet: check balance or top up at account.ladill.com/wallet.
 
         Rules:
diff --git a/resources/views/mini/payouts.blade.php b/resources/views/mini/payouts.blade.php
index 1d6c279..b995736 100644
--- a/resources/views/mini/payouts.blade.php
+++ b/resources/views/mini/payouts.blade.php
@@ -4,7 +4,7 @@
     <div class="space-y-6">
         <div>
             <h1 class="text-xl font-semibold text-slate-900">Payouts</h1>
-            <p class="mt-1 text-sm text-slate-500">Takings settle into your Ladill wallet (5% fee), then withdraw to bank or MoMo.</p>
+            <p class="mt-1 text-sm text-slate-500">Takings settle into your Ladill wallet (3.5% fee), then withdraw to bank or MoMo.</p>
         </div>
         <div class="grid gap-4 sm:grid-cols-2">
             <div class="rounded-2xl border border-slate-200 bg-white p-5">
diff --git a/resources/views/partials/afia.blade.php b/resources/views/partials/afia.blade.php
index 85aeef9..1aff09d 100644
--- a/resources/views/partials/afia.blade.php
+++ b/resources/views/partials/afia.blade.php
@@ -1,5 +1,5 @@
 @php
-    $afiaGreeting = "Hi, I'm Afia 👋 Ask me about payment QRs — creating one, accepting payments, payouts, or the 5% platform fee…";
+    $afiaGreeting = "Hi, I'm Afia 👋 Ask me about payment QRs — creating one, accepting payments, payouts, or the 3.5% platform fee…";
     $afiaSuggestions = [
         'How do I create a payment QR?',
         'How do customers pay me?',