Welcome to DroppCash

DroppCash is a multi-currency digital wallet. You can hold money in many currencies, send it to other people, pay businesses, get paid, exchange between currencies, hold payments safely in escrow, and turn cash into wallet money (and back) through agents. This guide explains every feature, how to set it up, what it costs, and what to do when something does not go as expected, so you can use the platform without needing to contact anyone.

The three account types

DroppCash has three kinds of accounts. Each one has its own sign-up page, its own login and its own dashboard. Pick the one that matches what you want to do.

Which one should I choose?

• I want to save, send money to friends, pay shops, or get paid for freelance work: create a User account.
• I run a shop, a service or a website and want to accept payments from DroppCash customers: create a Merchant account.
• I want to earn commission by handling cash for people near me: apply as an Agent.

Key ideas you will see everywhere

Quick start in 5 minutes

1. Sign up. Choose your account type above and fill in the form. Use your real name, because it is used for identity checks and bank withdrawals.
2. Verify your email. A 6-digit code is sent to your email. Enter it to unlock your dashboard.
3. Verify your identity (KYC). Upload an ID once, from the banner at the top of your dashboard. This unlocks sending, paying, exchanging, cashing out and withdrawing.
4. Turn on two-step security. Optional but strongly recommended. See Two-step security.
5. Start using it. Users: add money with Deposit. Agents: wait for approval, then request funds. Merchants: finish KYC, then share your email or QR code or connect the API.

Creating an account

Open the sign-up page for your account type, complete the form, and submit. Registration must be open (if registration is ever paused you will see a message saying so).

• Your country decides your first wallet. A wallet in your country's currency is created for you automatically (for example, a Nigerian account starts with an NGN wallet).
• Your phone number matters. It is used to send the two-step security code by SMS, so enter it correctly with the right country dial code.
• Choose a strong password. Use a long, unique password. Never reuse a password from another site.

Verifying your email

Right after you register, a 6-digit verification code is emailed to you and you are asked to enter it. Until you do, the rest of your dashboard stays locked.

• Did not get the email? Check spam or promotions, then use Resend code on the verification page.
• Typed the wrong email at sign-up? Contact support from the contact page so the email can be corrected.

Logging in and resetting your password

Log in with your email and password at the login page for your account type. If you try too many wrong passwords in a short time, login is briefly slowed down, so wait a minute and try again.

Forgot your password?

1. Click Forgot password on the login page and enter your account email.
2. Enter the reset code that is emailed to you.
3. Choose a new password and confirm it. Then log in with it.

Changing your password while logged in

Users: Profile Setting in the account menu (top right). Agents and Merchants: Setting > Change Password in the sidebar. Enter your old password, then the new one twice.

Two-step security (SMS code at login)

Two-step security adds a one-time code, sent by SMS to the phone number on your account, to the login process. Even if someone learns your password they cannot get into your account without your phone.

Turn it on

1. Open Two Step Security: in the account menu (Users) or under Setting in the sidebar (Agents, Merchants).
2. Enter your account password and confirm it.
3. We send a code by SMS to your phone. Enter it on the next page.
4. Two-step security is now active. You can turn it off the same way (password, then SMS code).

What happens at login once it is on

After you log out and sign in again, you are asked for a fresh SMS code before you reach your dashboard. If a code does not arrive, check that your phone number (with country code) in your profile is correct and that your phone can receive SMS, then use Resend code.

Identity verification (KYC)

KYC ("know your customer") confirms that you are who you say you are. It protects you and everyone else on the platform. You submit your details once. Our team reviews them and your account is unlocked when they are approved.

What KYC unlocks

How to submit KYC

1. Log in. A banner at the top of the dashboard says "Please submit your KYC information to enjoy full access". Click Take me there. (Trying to use a locked feature also takes you to the KYC form.)
2. Users: fill in the ID number that matches the document you will upload. You can give any of: National Identification Number (NIN), Passport ID number, Driving License ID number, National ID Number Slip (NINS), or Voters Card. Then upload a clear photo of the ID under Upload Proof of Selected ID (required).
   Merchants: enter your Business Name (required), one ID number (NIN, Passport or Driving License), and upload the Proof of Selected ID (required).
3. Uploaded images must be PNG, JPG or JPEG and up to 5 MB each. Make sure the photo is sharp, uncropped and fully readable.
4. Submit. Your status changes to under review.

KYC statuses

Wallets and currencies

Your dashboard shows one wallet card for each currency you hold. Money in one currency is completely separate from money in another until you exchange it.

How wallets are created

• One wallet is created at sign-up, in your country's currency.
• A new wallet is created automatically the first time money arrives in a new currency (a transfer, a deposit, a voucher you redeem, an exchange, a cash-in) so you never need to "add a wallet" manually.
• Forms that move money out of your wallet (transfer, payment, cash out, withdraw and so on) only list wallets that currently have a balance.

Supported currencies

Fiat: NGN (default, Nigerian naira), USD, EUR, GBP, GHS, KES, UGX, TZS, RWF, ZMW, ZAR, EGP, XOF, XAF, AED, CAD, AUD, NZD, SGD, HKD, JPY, CNY, INR, BDT, MYR, THB, TRY, ILS, UAH, BRL, MXN, CHF, SEK, NOK, DKK, PLN, CZK, HUF, RON, BGN.

Crypto: BTC, ETH, USDT, BNB, SOL, ADA, TRX, LTC, DOGE, KCS.

The currencies available at any time are the ones shown in the currency pickers inside your dashboard. Which currencies you can deposit or withdraw depends on the methods enabled for each currency.

Exchange rates

Rates between currencies are kept up to date by the platform and are shown on the exchange form before you confirm. Fixed fees (for example "NGN 10") are expressed in the default currency (NGN) and are converted into the currency of the wallet you are using, so a fee in a USD wallet is the equivalent amount in USD.

Limits are counted in naira

Minimum, maximum, daily and monthly limits are set in the default currency (NGN). When you use another currency, the platform converts your amount at the current rate to check the limit. For example, a limit of NGN 100 to NGN 1,000,000 is converted into the equivalent range in your wallet currency.

Transactions and receipts

Every movement of money is saved with a unique transaction reference. Open Transactions in your dashboard to see your history.

• Search by transaction reference to find one payment fast.
• Filter by type (Users can filter by Transfer Money, Request Money, Money Exchange, Invoice Payment, Merchant Payment, Merchant API Payment, Make Escrow, Escrow Return, Withdraw Money, Withdraw Reject, Create Voucher, Redeem Voucher, Deposit, Cash In and Cash Out). Agents and Merchants can also filter by type.
• Open a transaction to see its details: amount, fee, currency, date, description and balance effect.
• You also receive an email receipt for important actions such as transfers, payments, cash-ins, cash-outs, escrows and withdrawals.

Your QR code

Every account has a personal QR code that contains your account email. Instead of typing your email, a sender or customer can scan it to fill in your details.

1. Users: open the account menu and choose QR Code. Agents and Merchants: choose QR Code in the sidebar.
2. Click download to save the QR code as an image. Print it for your shop counter or share it on your social pages.

Customers should always check that the name that appears after scanning is the right person or business before they confirm a payment.

Profile settings

• Users can update their name, phone number, city, ZIP/postal code, address and photo.
• Agents and Merchants can update their business name, contact name, city, ZIP/postal code, address and photo (the photo is cropped to a square).

Getting help

• Support tickets. Open Support Ticket in your dashboard, write a subject and a message, and attach a PDF, JPG or PNG if it helps (for example a screenshot). You can reply on the same ticket and our team answers there. This keeps a full record of the conversation.
• Live chat. Use the chat bubble at the bottom corner of the website when it is available.
• Email: hello@droppcash.app, or use the contact page.

What to include in a support request

1. Your account type (User, Agent or Merchant) and the email on the account.
2. The transaction reference, if the question is about a payment.
3. What you expected to happen, what actually happened, and any message you saw (a screenshot is ideal).

Staying safe

• Only log in at droppcash.app. Check the address bar before you type your password.
• Turn on two-step security.
• Always check the recipient email on a transfer or cash out before you confirm. Transfers are instant and cannot be reversed by you.
• Treat voucher codes like cash. Anyone who has the code can redeem it.
• For escrow: do not release funds until you have what you paid for.
• Never share your API access key. If it leaks, generate a new one at once.
• Log out on shared computers. Every login to your account is recorded with its IP address and location.

For Users User account

A User account is your personal DroppCash wallet. This part of the guide covers everything you can do with it, step by step, including the fees and limits that apply.

What you get with a User account

Setting up your User account

1. Register at https://www.droppcash.app/user/register (name, email, phone with dial code, country, address and password). See Creating an account.
2. Verify your email with the 6-digit code we send you.
3. Complete your profile. Open the account menu (top right) > Profile Setting. Add your city, address and photo. Make sure your name matches your bank account name if you plan to withdraw to a bank.
4. Submit KYC (how). Without it you can still deposit, request money, create invoices and redeem vouchers, but you cannot send, pay, exchange, cash out or withdraw.
5. Turn on two-step security (how).
6. Add money with Deposit and you are ready.

Your dashboard and menu

The top menu groups everything by purpose:

Deposit: add money to your wallet

You can add money in many currencies. The methods you see depend on the currency you choose, because each method supports specific currencies. KYC is not required to deposit.

How to deposit

1. Go to Deposit > Deposit.
2. Type the amount first.
3. Choose the wallet currency you want to fund. The list of gateways (payment methods) for that currency then appears. (If you see "No payment method found associated with this currency", that currency cannot be funded right now.)
4. Pick a gateway. Any fee for that method and the total you pay are shown.
5. Click Confirm and complete the payment.

Two kinds of deposit methods

Check the status of a deposit

Open Deposit > Deposit history. Each deposit shows amount, fee, method and status: completed (credited) or pending (awaiting confirmation). A completed deposit also appears in your Transactions as Deposit.

Deposit fees

Any fee for a method is displayed on the deposit form before you confirm. Manual methods add their fee on top of the amount you deposit.

Transfer money to another user

Send money from your wallet to another DroppCash User using only their email address. It arrives instantly and the receiver gets the full amount you send. Requires KYC.

How to transfer

1. Go to Transfer & Request > Transfer Money.
2. Enter the receiver's email. We check that the email belongs to a DroppCash user and show who it is. If they are not found, they must register a User account first.
3. Choose the wallet to send from and enter the amount.
4. Check the fee and total shown, then confirm.

What happens

• Your wallet is reduced by the amount plus the fee.
• The receiver's wallet is increased by the full amount. If they have no wallet in that currency, one is created for them.
• You both get an email with the transaction reference, and the transfer appears in Transactions and in the transfer history (where you can search by reference).

Fees and limits

Limits are counted in the default currency. Your daily total resets at midnight and your monthly total resets on the 1st of each month. Only money you send counts; money you receive does not.

Request money from another user

Ask another user to pay you. They get a request they can accept or reject. KYC is not required to request money.

Send a request

1. Go to Transfer & Request > Request Money.
2. Enter the payer's email (a DroppCash User), choose the wallet that should receive the money, and enter the amount.
3. Submit. The payer sees it under Received Requests. You can follow it under Sent Requests.

Answer a request you received

1. Go to Transfer & Request > Received Requests.
2. Choose Accept to pay or Reject to decline.
3. When you accept, the full requested amount is taken from your wallet in that currency (so you need a wallet in that currency with enough balance). The requester receives the amount minus the request fee.

Fees and limits

The person who accepts pays exactly the amount requested, with no extra fee.

Exchange one currency for another

Convert money between any of the supported currencies (fiat and crypto). Requires KYC.

1. Go to Exchange.
2. Choose the wallet you are exchanging from and enter the amount to convert.
3. Choose the currency you want to exchange to. The amount you will receive is calculated using the current rate and shown to you.
4. Check the fee, then confirm. A wallet in the new currency is created if you do not have one.

Pay a merchant

Pay any DroppCash Merchant (shop, service, website) straight from your wallet using their email or QR code. No card details to type. Requires KYC.

1. Go to Payment.
2. Enter the merchant's email (or scan their QR code). We check that it belongs to a merchant account.
3. Choose the wallet and enter the amount.
4. Confirm. The merchant is credited in the same currency and the payment is saved in your payment history.

• You pay exactly the amount you enter. The fee is deducted on the merchant's side.
• Payments can only go to merchant accounts. To send money to a person use Transfer Money.
• Paying a website? When a shop uses DroppCash checkout, you are sent to a DroppCash page where you log in with your User account and confirm. If your balance is too low, the page offers to add money by card or bank transfer; then go back to the shop and start the payment again.

Vouchers

A voucher turns part of your balance into a one-time code. Give the code to anyone with a DroppCash account and they can add the money to their wallet. It works like a digital gift card.

Create a voucher needs KYC

1. Go to Voucher > Create Voucher.
2. Choose the wallet and enter the amount.
3. Check the fee and total, then confirm. The amount plus the fee is taken from your wallet.
4. Your voucher code is created (two groups of 10 digits, like 1234567890-0987654321). Find it in Voucher > My Vouchers and share it with the person you want to give it to.

Redeem a voucher

1. Go to Voucher > Redeem Voucher and enter the code.
2. The full voucher amount is added to your wallet in the voucher's currency. A wallet is created if you do not have one in that currency.
3. Find it later under Redeemed History.

• A voucher can be used once. After it is redeemed, My Vouchers shows it as used.
• You cannot redeem a voucher you created yourself.
• Redeeming does not require KYC and costs nothing.

Invoices

Create an itemised invoice, send your customer a payment link, and receive the money in your wallet. KYC is not required to create invoices.

Create and send an invoice

1. Go to Invoice > Create Invoice.
2. Enter Invoice To (customer name), the customer's email, their address, and the currency.
3. Add the items: a name and an amount for each. Use Add for more lines. The total is the sum of all items.
4. Choose your options:
   • Allow Escrow: lets the customer pay through escrow for extra safety.
   • Pay for Charge? (If Escrow): if the customer pays through escrow, tick this if the escrow fee should be added on top of the invoice total for the customer. Leave it unticked if the fee should come out of your payout.
5. Save. The invoice is created as a draft. Go to Invoice > Invoices and switch Publish Status to Published. A customer can only pay a published invoice.
6. Click the mail action to send the invoice by email again, or Copy Invoice URL to share the link yourself.

Managing invoices

How your customer pays

1. They open the link in the email (or the link you shared). They must log in to their DroppCash User account (or create one).
2. They choose how to pay: Pay with system wallet (their DroppCash balance), Pay with gateways (card, bank transfer or other methods available for the invoice currency), or Escrow Payment (only if you allowed escrow).
3. When paid, the invoice is marked paid and you are credited (see fees below). You get a transaction in your history.

• The customer pays the full invoice total. The invoice fee is worked out from that total and taken from what you receive.
• You cannot pay your own invoice.
• Only invoices in an active currency can be created.

Escrow: pay safely when you do not know the seller

With escrow, DroppCash holds your payment. The seller is told the money is secured, delivers what you bought, and the money only reaches them when you release it. If something goes wrong, either side can open a dispute and our team decides. Creating an escrow requires KYC.

Create an escrow (as the buyer)

1. Go to Escrow > Make Escrow.
2. Enter the seller's email (a DroppCash User), choose your wallet, enter the amount, and describe what you are buying.
3. Decide who pays the fee with the pay charge option:
   • Ticked: the fee is added to what you pay now, and the seller receives the full amount when you release it.
   • Unticked: you pay only the amount, and the fee is taken out of the seller's payout when you release.
4. Confirm. The money leaves your wallet immediately and is held. You and the seller get an email.

Release the money

When you have received what you paid for, open Escrow > My Escrow, find the escrow and press Release. The seller's wallet is credited and the escrow is closed. Only the buyer can release, and a release cannot be undone, so release only when you are satisfied.

If you are the seller

Open Escrow > Pending Escrows to see escrows made out to you. Deliver the goods or service, then ask the buyer to release. You are paid when they do (or if our team decides in your favour after a dispute).

Disputes

1. Open the escrow and choose Dispute (available to the buyer and the seller while the money is still held).
2. Write your message. You can attach a PNG or JPG screenshot (up to 5 MB) as evidence.
3. Both sides can reply in the dispute thread. DroppCash support reviews the evidence and either releases the money to the seller or returns it to the buyer. You are notified, and the dispute thread is closed.

Cash in and cash out with agents

DroppCash agents are people and shops who swap cash and wallet money. You do not need a bank branch.

Cash in: turn cash into wallet money

1. Find an agent (the agent will give you their account email, or you can scan their QR code).
2. Give the agent the cash and tell them your DroppCash User email (or show your QR code).
3. The agent enters your email and the amount. The money is added to your wallet instantly and you get an email. There is no DroppCash fee for you on a cash-in.

Cash out: turn wallet money into cash needs KYC

1. Go to Withdraw > Cash out to Agent.
2. Enter the agent's email. We check that it belongs to an agent and show their name.
3. Choose the wallet and amount. Check the fee and total.
4. Only confirm when you are standing with the agent. The moment you confirm, the amount moves to the agent's wallet. The agent then hands you the cash.

Withdraw money

Send money from your wallet to a bank account, PayPal, Payoneer or a crypto address. Requires KYC. Go to Withdraw > Withdraw Money.

Standard withdrawal (reviewed by our team)

1. Choose the wallet you are withdrawing from. The available withdrawal methods for that currency appear.
2. Choose a method and read its instructions. Each method tells you exactly which details to provide (for example bank name, account number and account name, or a PayPal email, or a crypto address).
3. Enter the amount and fill in your account details. The fee and total are shown.
4. Submit. The total (amount + fee) is taken from your wallet immediately and the request is pending while our team reviews and pays it.

• Approved: the money is sent and the request shows as accepted. You get an email.
• Rejected: the full amount, including the fee, is returned to your wallet and the reason is shown in your withdrawal history (the transaction appears as "Withdraw Reject").

Instant bank withdrawal (NGN)

For Nigerian naira you can choose Instant Bank Transfer (NGN). Your money is sent to your bank account within minutes, normally with no waiting for manual approval.

1. Choose your NGN wallet and the instant method, then enter the amount.
2. Pick your bank from the list and enter your 10-digit account number.
3. We look up the account and show the account name. We also show the transfer fee and your total before you confirm. The bank's transfer fee is passed on to you; DroppCash adds no extra charge of its own on this method.
4. Confirm. The transfer is sent. You get an email when it completes.

Status of a withdrawal

Open Withdraw > Withdraw history. Instant withdrawals show a live status (processing, in review, completed or failed). Our system rechecks pending instant transfers automatically every few minutes.

Methods, fees and limits

Minimum and maximum are in the currency of the method. Methods and limits can change; the withdraw form always shows what is available to you right now.

User API key (for developers)

If you build a website, app or marketplace, the Api menu gives you an API access key for your User account. With it your own software can start and confirm payments (money is paid into your user wallet), create escrows from your wallet, and create invoices.

• Open Api to see your key. Use Generate new key to replace it; the old key stops working immediately.
• Switch between Test mode (no money moves, perfect for building) and Active mode (live money).
• Full technical reference, examples and error codes are in the API documentation.

User FAQ and troubleshooting

For Agents Agent account

Agents are DroppCash's cash points. You help people in your area turn cash into wallet money (Cash In) and turn wallet money into cash (Cash Out), and you earn a commission on cash-ins. This part of the guide explains how to join, how the money flows, and how to run your agent business safely.

How the agent business works

What you get with an Agent account

• A dedicated agent dashboard with your wallets, recent transactions and recent withdrawals
• Fund Requests to top up your float
• User Cash-In to credit customers who hand you cash, with commission paid straight to your wallet
• Automatic credit when customers cash out to you
• Withdraw to bank (including instant naira transfers), PayPal, Payoneer or crypto
• A personal QR code so customers can find you by scanning, two-step security and support tickets

Becoming an agent: sign up

1. Open https://www.droppcash.app/agent/register.
2. Fill in: business name, business address, your National ID number, a clear photo of the ID (JPG or PNG), your full name, email, phone number (with country code), country, address and a password.
3. Submit, then verify your email with the 6-digit code that is sent to you.
4. Your application is now pending. You cannot log in to the agent dashboard until it is approved.

Agent approval

Every new agent is reviewed by the DroppCash team before they can start. This protects customers who trust you with their cash.

Your agent dashboard

After you log in at https://www.droppcash.app/agent/login you land on the dashboard. The sidebar contains:

Set up your profile first: Setting > Profile Setting. Make sure your business name, address and photo are correct because customers see them.

Then turn on Two Step Security (how). As an agent you handle other people's money, so this is strongly recommended.

Getting float: fund requests

To perform cash-ins you need money in your agent wallet. You top it up by sending a fund request to DroppCash.

1. Open Fund Requests.
2. Choose the currency and enter the amount you need, then submit. Each request gets a unique code you can use to search for it later.
3. The DroppCash team reviews the request.
   • Accepted: the amount is credited to your agent wallet immediately and you get an email with the transaction reference. It appears in your Transactions as "Fund request accepted".
   • Rejected: nothing is credited and you are emailed.
4. Settle the funds with DroppCash as agreed with the team when your request is approved. Always quote your request's unique code when you pay or ask about it.

• You can only send fund requests while your account is active.
• Request in the currency your customers use. You hold a separate wallet for each currency.

Cash In: a customer hands you cash

When a customer wants to add cash to their DroppCash wallet, you credit their wallet from your float, and keep the cash.

1. Take the cash from the customer and count it.
2. Open User Cash-In.
3. Choose your wallet (the currency you are paying out in). Only wallets with a balance are listed.
4. Enter the customer's DroppCash User email. (They can show you their QR code.) We check that the user exists and show their name. Confirm that it is the right person.
5. Enter the amount that matches the cash you received.
6. Confirm. Your wallet is reduced by the amount; the customer's wallet is increased by the same amount instantly (a wallet is created for them in that currency if needed). You both get an email.
7. Your commission is credited to your wallet straight away as a separate "Cash In Commission" transaction.

The customer must have a User account. You need enough balance in your wallet to cover the amount. The commission rate is set by DroppCash and is shown on the Cash-In page.

Cash Out: a customer collects cash from you

When a customer wants to turn wallet money into cash, they send a Cash Out payment to your agent email, and you give them the cash.

1. The customer tells you the amount they want and enters your agent email (or scans your QR code) on their Cash out to Agent page.
2. They confirm. The full amount they entered is credited to your agent wallet instantly. You get an email and a "Cash Out" transaction.
3. Check your wallet or the email, and confirm the credit has arrived in the right amount.
4. Only then, hand the customer the cash for that amount.

• The customer pays the cash-out fee; you receive the full amount they send you.
• A customer can cash out up to NGN 200,000 at a time, subject to their daily and monthly limits.

How agents earn

Your profit comes from the commission on cash-ins and from running a steady cash business. Use the Transactions page (filter by "Cash In Commission") to see exactly what you have earned.

Withdrawing your balance

You can withdraw agent balance to your bank account or other supported methods. Go to Withdraw > Withdraw Money. The steps, fees, limits and statuses are the same as for users, including Instant Bank Transfer (NGN); see Withdraw money for the complete walkthrough and the methods table.

• Pick the wallet, then the method, enter the amount and the account details, and submit.
• Standard withdrawals are reviewed by the team. Rejected ones are refunded in full with the reason shown in Withdraw History.
• For instant naira transfers, the bank account name must match the name on your agent profile (at least two name parts).

Agent safety and good practice

• Verify before you pay out. For a Cash Out, wait for the credit in your own dashboard or an email from DroppCash.
• Verify before you press confirm. For a Cash In, count the cash and check the customer's name on the screen.
• Keep float in the right currency. If you serve customers in several currencies, keep a wallet balance in each.
• Protect your login. Use two-step security, never share your password, and log out on shared devices.
• Display your QR code in your shop so customers can find the right agent account quickly.
• Keep records. Every transaction has a reference. Note it for disputes.
• Be wary of fraud. If someone asks you to "reverse" a cash-in or to pay out before the money arrives, refuse. DroppCash staff never ask agents for passwords or codes.

Agent FAQ and troubleshooting

For Merchants Merchant account

A Merchant account lets your business get paid by DroppCash customers: in person with your email or QR code, or online with the DroppCash checkout and API. This part of the guide shows how to set up, start receiving money, connect your website, and withdraw your earnings.

What you get with a Merchant account

Setting up your Merchant account

1. Register at https://www.droppcash.app/merchant/register. You need your business name, your full name, email, phone (with country code), country, address and a password.
2. Verify your email with the 6-digit code we send.
3. Set up your business profile. Go to Setting > Profile Setting and check your business name, city, ZIP/postal code, address and photo. Your business name is what customers see at checkout, so make sure it is the name they know. (If it is empty, your account name is shown instead.)
4. Submit KYC so you can withdraw (how).
5. Turn on two-step security (how).
6. Start receiving: share your email or QR code, or connect the API.

Your merchant sidebar

Merchant identity verification (KYC)

You can start receiving payments straight after email verification, but withdrawing requires approved KYC. Do it early so you can withdraw as soon as money arrives.

1. Click the KYC banner on your dashboard (or open the KYC form when a locked feature sends you there).
2. Enter your Business Name (required).
3. Enter one ID number: National Identification Number (NIN), Passport ID number or Driving License ID number.
4. Upload a clear photo of that ID under Upload Proof of Selected ID (required, PNG/JPG, up to 5 MB).
5. Submit. Status becomes under review; once approved the Withdraw menu works. If rejected, use See Reasons and re-submit.

The full status table is in Identity verification (KYC).

Receiving payments

There are three ways your customers can pay you. All of them credit your merchant wallet in the currency the customer paid in.

1. In person or by link: your email and QR code

1. Share your merchant email, or display your QR code (download it from QR Code and print it).
2. The customer, logged in to their User account, opens Payment, enters your email or scans your QR code, picks a wallet and enters the amount.
3. They confirm. You are credited immediately (minus the fee) and receive an email. It shows in Transactions as Merchant Payment.

2. Online: the DroppCash checkout (API)

Your website or app asks DroppCash to create a payment, sends the buyer to a DroppCash checkout page, then confirms the result. This is covered step by step in Connect your website. Credited payments appear as Merchant API Payment.

3. Online with escrow

Buyers pay into DroppCash escrow and you are paid when they release it. See Escrow checkout.

Fees on money you receive

• The customer always pays the exact amount. The fee is deducted from what is credited to you.
• The fee is shown on each transaction.
• Fixed fees are converted into the currency of the payment.

Connect your website: accepting payments with the API

If you sell online, you can add DroppCash as a payment option. A developer can do this in under an hour. This section explains the flow in plain language; the complete reference, with code in cURL, PHP, Node.js and Python, is in the API documentation.

Step 1: Get your API access key

1. Log in and open API Access Key.
2. Your key is shown (it is created the first time you open the page). Copy it and store it on your server only.
3. If the key is ever exposed, click Generate new key. The old key stops working at once.

Step 2: Choose Test or Active mode

Use the mode switch on the API Access Key page. In both modes the buyer signs in with a DroppCash User account during checkout, so create a second test User account to play the buyer.

Step 3: How a payment flows

1. Your server sends the amount, currency, your own order reference, the buyer's email and three URLs (webhook, success, cancel) to DroppCash. You get back a payment ID and a checkout link.
2. You send the buyer to that link. They log in with their DroppCash User account and confirm the payment from their wallet in the chosen currency. If their balance is too low, the page offers to add money by card or bank transfer.
3. DroppCash tells you the result by calling your webhook URL and by sending the buyer back to your success URL.
4. Your server confirms the payment with DroppCash (a "check validity" call) before delivering the goods. This step is essential. The webhook and redirect are not signed, so anyone could fake them.

Who can pay you through the checkout?

• The buyer must have a DroppCash User account with a wallet in the payment currency.
• Merchant accounts cannot pay.
• The currency must be one DroppCash supports (see Wallets and currencies).

Key points developers ask about

Escrow checkout: let buyers pay safely

Escrow checkout works like the normal checkout, except that the buyer pays into DroppCash escrow instead of paying you directly. The money is held until the buyer releases it. This is ideal for high-value items, services and marketplaces where trust matters. You are the seller, and you are paid into your merchant wallet when the buyer releases.

How it flows

1. Your server starts an escrow payment (same fields as a normal payment, plus an optional choice of who pays the fee) and sends the buyer to the checkout link.
2. The buyer funds the escrow. You are told by webhook (escrow.funded) and the status becomes held. This is your signal to ship or deliver.
3. The buyer releases the money when happy (escrow.released) and you are credited. If there is a problem, a dispute is opened (escrow.disputed) and DroppCash support decides who receives the money.

• You can refund the buyer through the API while the money is still held.
• In test mode there is no real buyer, so a simulate call lets you act as the buyer (release or dispute) to test your flow.
• Webhooks are signed (header X-DroppCash-Signature) so you can verify they really came from DroppCash.
• Merchant accounts do not have an escrow screen in the dashboard. Track escrows with the status call and webhooks.
• Fee: 1% + NGN 100. By default it is taken from your payout; the buyer can choose to pay it on top.

Technical details are in the API documentation under Escrow Checkout.

Withdrawing your earnings

Go to Withdraw > Withdraw Money. You need approved KYC.

1. Choose the wallet (currency) you are withdrawing from.
2. Choose a method, enter the amount and your account details (bank details, PayPal email, crypto address and so on, as the method's instructions say).
3. Submit. The amount plus the method fee is taken from your wallet at once.
4. Standard methods are reviewed by our team and then paid. If rejected, you are refunded in full and the reason is shown in Withdraw History.
5. Instant Bank Transfer (NGN): choose your bank, enter your 10-digit account number, check the account name and fee shown, and confirm. It is paid within minutes. The bank account name must match your merchant profile name (at least two parts), otherwise it goes to manual review.

Methods, limits and fees are the same as in Withdraw money (for example NGN bank transfer 500 to 500,000 with no fee; most international methods 1%).

Go-live checklist

1. Business name on your profile is correct.
2. KYC is verified.
3. Two-step security is on.
4. Your integration works end to end in Test mode (payment, webhook, success redirect, cancel redirect, check-validity).
5. Your server confirms every payment with check-validity before delivering, and delivers each order only once.
6. Your access key is only on your server, not in your web page or mobile app code.
7. You switched the API Access Key page to Active mode and ran one small real payment from a test buyer account.
8. Your QR code is printed or shared, if you also take payments in person.

Merchant FAQ and troubleshooting

Fees and limits at a glance

This table is read live from DroppCash's current settings, so it always shows today's numbers. A fee such as "0.5% + NGN 10" means 0.5% of the amount plus a fixed NGN 10 (converted to your wallet's currency). "Free" means no fee.

Worked examples

Glossary

Still need help?

If the answer is not in this guide:

This guide describes the DroppCash platform as it works today. Fees, limits and available payment methods can change; the forms inside your dashboard always show the current values before you confirm anything.