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Merchant · Test workspace

Payouts and bank-account changes

Understand verification, independent approval, holds and payout states.

NairaMove is in development. These guides do not announce live financial availability. Check current availability.

Add or change a destination

The test workflow checks bank details and routes the change for independent review. A successful account-name enquiry does not prove you own the account or authorize live withdrawals.

  1. Open the bank-account settings and enter the requested bank details.
  2. Check the returned account information and resolve mismatches.
  3. Submit the change and track its review status.
  4. Wait for the required approval and waiting period before using the destination.

Track a payout

Payout requests reserve funds first. Processing or uncertain states are not paid confirmations. Reserved funds are released or settled only when the system has authoritative evidence; do not retry with a new request identifier.

What is not live

Live payouts are disabled. Daily and weekly payout schedules are available in simulation. Provider settlement allocations and production destination ownership checks still require qualification. Do not interpret a test approval as permission to receive real funds.

Reviewed 1 October 2026 · Preview guidance
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