Fees

Bachs charges only for what you use. There are no setup fees, no monthly costs, and no hidden charges. Every fee is shown upfront in your dashboard before you confirm any action.

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Processing Fees

Processing fees are deducted from each payment at the time of collection in the currency they pay in. The rate depends on the payment method your customer uses.

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NGN Payments

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Global Payments

Your USD balance can be withdrawn directly as USDT or instantly converted to NGN no ACH step, no intermediate fees.

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International Cards

A card issued outside the US costs more to process, and you pay that extra amount. It is 1.5% of the payment, charged on top of the base card rate. You pay this fee even when your customer pays the processing fee. Choosing who pays the processing fee applies to that fee only. The amount is taken out of the payment, together with the processing fee, and you see it in the fee breakdown on that payment.

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Mobile Money

Mobile money is supported across major African markets and all your payments get converted to your preferred settlement currency without any extra hidden charges.

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Crypto

Crypto payments settle to your USD balance as stablecoin. From there you can withdraw as USDT or convert to NGN.

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Withdrawal Fees

Move funds from your Bachs balance to your bank account or crypto wallet. You initiate withdrawals whenever you choose. There is no fixed withdrawal schedule to wait for. The fee depends on the currency you withdraw from, not the currency that lands in your destination.

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Bank Transfer

USD balances can be settled directly to your NGN account. The fee for this is 1% capped at $15.00.

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Mobile Money

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Crypto

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How the Fee Is Applied

The fee is charged in the currency you withdraw from, and it is added on top of the amount you withdraw. The amount you ask for is the amount that arrives, and your balance is debited that amount plus the fee. Example: NGN 500,000 to a Nigerian bank account A flat NGN 50 fee applies. NGN 500,000 arrives and NGN 500,050 leaves your balance. Example: $80 USD withdrawn as USDT 1% of $80 is $0.80, which is below the $1.00 minimum, so $1.00 is charged. $80.00 is converted and sent, and $81.00 leaves your balance. Example: $10,000 USD withdrawn to a bank account 1% of $10,000 would be $100, but if you choose to settle this to your Nigerian bank account, a cap of $15.00 is applied. $10,000 is converted and sent, and $10,015 leaves your balance. A withdrawal your balance cannot cover, once the fee is added, is rejected before it is submitted.

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When Your Funds Become Available

In some cases, money you collect is not withdrawable the instant a payment succeeds. It first clears a short settlement window, which depends on the currency you collected in. Your pending settlements are added to your balance every morning at 09:00 UTC, on their scheduled day. The waiting period counts calendar days from the day the payment landed, so a payment collected at any hour on Monday on a 1-day settlement timeline becomes available at the Tuesday 09:00 UTC run. Once funds are available, they sit in your Bachs balance until you withdraw. There is no automatic withdrawal. You decide when the money moves.

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Currency Conversion

Convert between balances only when you need to. Bachs absorbs FX risk so you get a clean, predictable rate. You are never forced to convert. You can hold a USD balance and withdraw as USDT or NGN on demand at the current rate.

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Refunds & Disputes

Bachs does not charge a fee to issue a refund. Where the underlying payment provider charges a reversal cost, that amount is passed through unchanged and shown on the refund record. An early dispute warning is sent by the card network before a customer files a chargeback. It gives you a chance to sort the problem out with the customer first. The fee is charged once per payment, even if that payment gets more than one warning. Dispute fees apply when a customer initiates a chargeback through their card network. If a warned payment goes on to become a full dispute, you pay both fees. Keeping dispute rates low protects your account standing.

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Billing & Revenue Tools Coming Soon

These are optional add-ons. You only pay if you use them. Subscription fees are applied on top of the base processing fee for the underlying payment. Invoicing, analytics, and reporting are available at no extra charge.

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Revenue Recovery Coming Soon

Recover failed or abandoned revenue automatically. There is no upfront cost to enable recovery. The 5% fee only applies to revenue that Bachs successfully recovers if nothing is recovered, you pay nothing.

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Fraud & Security

Fraud protection is built into every charge on Bachs. There is no percentage fee added for fraud screening. Pricing is transparent and event-based you will never see a line item you did not expect.

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Fee Visibility

Every charge in your dashboard shows a full breakdown: the amount collected, the processing fee deducted, and the net amount credited to your balance. Withdrawal records include the amount sent, the fee, and the total debited from your balance. Your balance activity lists every movement of your available balance, each one named and linked to what caused it. Anything charged on its own rather than out of a payment appears there, such as a dispute fee.

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