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When users top up, Jaza:
  1. Collects local currency via Mobile Money across supported African markets (and card where enabled).
  2. Converts into your unified credit model using customer FX rates (local units per USD).
  3. Accrues USD to your settlement wallet after a 5% platform fee on each top-up.
  4. Settles to your bank when you request a payout or on your chosen schedule, with a $100 USD minimum.

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Platform fee

Jaza takes 5% of each top-up from the merchant share. End users still pay the bundle price in local currency — the fee is not added on top of their MoMo charge. Example: a $10** bundle top-up credits **$9.50 to your settlement wallet.

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FX

Customer quotes use a customer-pays local-per-USD rate (the rate to buy $1 with local currency). A tighter treasury rate is kept for ops and margin; it is not charged to the end user.

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Bank account and frequency

In the dashboard Payouts page:
  • Save one bank account (holder name, account number, bank, SWIFT/BIC, branch address, country, currency).
  • Choose a settlement frequency: weekly, bi-weekly, monthly, or quarterly.
  • Request a settlement anytime when available balance is at least $100 USD.
After each completed settlement, Jaza emails an invoice PDF. Funds typically arrive in 2–5 business days.

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What you do not do

  • Open or operate a PawaPay (or similar) merchant account for collection.
  • Maintain per-country FX tables for MoMo deposits.
  • Build a second ledger for currency conversion.

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What you do

  • Enable markets, features, and bundles in the dashboard.
  • Integrate @jazadev/node plus @jazadev/react-native or @jazadev/react.
  • Configure bank details and settlement frequency; use dashboard analytics and payouts for reporting.

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Sandbox vs live

Operational data (wallets, top-ups, consumption, settlement wallets) is isolated by environment. Use test keys until flows look right, then switch to live.