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How much you can withdraw depends on how much you’ve verified. There are four tiers. Each one has two limits:
  • a per-payout limit: the most you can withdraw in one payout, and
  • a 30-day limit: the most you can withdraw over any rolling 30 days.
Limits are measured in US dollars, the currency your balance is shown in. You’re still paid in your local currency or in stablecoin.

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Tiers

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Moving up a tier

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Tier 1: verify your identity

Verify your identity with your BVN (Nigeria) or an ID document (every other African country). Once you’re verified, you’re on tier 1.

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Tier 2: add proof of address

Once your identity is verified, you can upload a proof of address.
1

Get a recent document

A utility bill, bank statement or government letter from the last 3 months. It must be in your legal name and show your address.
2

Upload it

Go to Finance > Account and open the Verify your identity page. Upload your document there.
3

Wait for our review

Our team checks it. We email you when it’s approved or rejected.

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Tier 3: register your business

Once you’re on tier 2, the store owner can register the business in Settings > Account tier, in five short steps. You’ll need:
  • Business details: the registered name, registration number (your RC or BN number in Nigeria), tax number (your TIN in Nigeria) and the business address.
  • Registration documents:
    • Nigeria: your CAC certificate, MEMART (business names can upload the BN1 form instead) and a CAC status report.
    • Elsewhere: your certificate of incorporation, constitution or articles of association, and a register of directors and shareholders.
  • A company bank statement or proof of address in the business name, from the last 3 months (for example a utility bill for the company address).
  • Every director and shareholder: full legal name, date of birth, role, how much of the business they own, their BVN if they have one (Nigeria), and a proof of address from the last 3 months.
Files can be JPG, PNG, WebP or PDF, up to 8 MB each. Only our review team can see them. We email you when your business is approved (you move to tier 3) or if something needs fixing, and you can resubmit straight away.

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How limits are applied

  • A payout always withdraws your whole available balance. You can’t choose a smaller amount.
  • If your balance is more than your per-payout limit, the payout is refused and you’ll see why.
  • If the payout would take you over your 30-day limit, it’s refused and you’ll see why.
  • The 30-day window is rolling. It looks back 30 days from the moment you request a payout.
  • Payouts that are Pending, Held for review, In Transit or Succeeded count toward your 30-day limit. Canceled and Failed payouts don’t.
If a payout is refused because of your limits, move up a tier to withdraw it.

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FAQ

Because a payout always takes your whole balance, you’ll need to move up a tier to withdraw it. Add proof of address to reach tier 2.
It doesn’t reset on a fixed date. It’s a rolling window, so each payout stops counting 30 days after you requested it.
No. Failed and canceled payouts don’t count. The money goes back to your balance.
You’ll get an email. Check that the document is from the last 3 months, is in your legal name and clearly shows your address, then upload again.