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How Customers Pay You

Customers can pay using any of the following methods at checkout.

Card

Visa, Mastercard, and all major networks. Priced in USD or NGN.

Bank Transfer

Direct bank transfer in NGN.

Mobile Money

MTN, M-Pesa, Airtel, Vodafone, and more. Available in GHS, KES, MWK, RWF, TZS, UGX, XAF, XOF, and ZMW.

Crypto

USDT, USDC, ETH, SOL, and BNB across multiple networks.
All payment methods are available through a single checkout. Your customers see only the methods relevant to their currency and location.

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How You Get Paid

Funds collected through Bachs are held in your Bachs balance. You initiate withdrawals to your configured payout destination whenever you choose.
Your first withdrawal takes a little longer. The first payout from an account is held for a one-time review before it is sent, so it can take a few minutes longer to complete than the ones after it. This happens once per account: once a payout has completed, later withdrawals, including to a new destination, go through without the extra wait. It applies to any account you set up to hold and move its own money, whether you created it through the API or in the dashboard.

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Fiat Withdrawals

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Crypto Withdrawals

Crypto withdrawals are sent to your configured wallet address. You set up your payout destination once in your dashboard under Payouts, and all future withdrawals go there.

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For Marketplaces Built on Bachs Beta

If you are building a marketplace or platform, Bachs supports connected accounts. Your sub-merchants collect payments under your platform, with their own balances, payout destinations, and requirements managed through the Bachs API.
1

Onboard your sub-merchants

Create connected accounts for each of your sub-merchants via the Organizations API. Each account is isolated with its own balance and settings.
2

Collect requirements from your sub-merchants

Use the Requirements API to initiate identity verification for each connected account. Bachs handles the hosted biometric verification flow and notifies you of the result.
3

Collect payments on their behalf

Payments made through your platform are routed to the appropriate connected account balance.
4

Sub-merchants withdraw independently

Each connected account manages its own withdrawals to its own payout destination. You retain platform-level visibility through the Organizations API.
A connected account completes its requirements before it can process live payments. See Onboarding for the full flow.

Supported Currencies

Full list of collection and withdrawal currencies.

Fees

How processing and withdrawal fees are calculated.