Payouts and settlements: getting your money out

You've made sales — now how do you get the money into your bank? Here's the journey from payment to payout.

Step 1 — Settlement

A card payment first sits in your pending balance, then settles to your available balance at T+1. Bank-transfer inflows skip this and land in available instantly.

Step 2 — Your settlement account

To receive payouts you set a settlement account — a bank account we verify by name before saving. This is where your money goes when you withdraw.

Step 3 — Requesting a payout

Payouts are manual — you request them; nothing auto-sweeps your balance without you. The minimum payout is ₦5,000. We name-verify the destination and hand off to the bank.

A few rules that protect you

• Minimum ₦5,000 per payout keeps fees sensible.
• Unverified businesses can withdraw to their saved settlement account only.
• You can change your settlement account at most twice a month — a guardrail against account-takeover fraud.

Tracking it

Every payout appears in your transactions ledger with its status. When the bank confirms, the status updates.

Cash-flow tip

Because card money settles at T+1, plan payouts a day behind your sales. If you need money faster, bank-transfer collections are available immediately.

That's the whole path: sale → settle → withdraw → bank. Predictable and in your control.