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See Bitsika Console (API docs) and the Bitsika App.
Bitsika Console is the Bitsika app’s web dashboard and corresponding API for merchants. Many users have asked us for an opportunity to use their Bitsika app to make payments to their favourite merchants. This is our response.
Collections: merchants on the Console can create an invoice and instantly get paid by any Bitsika user regardless of their location or currency.
Payouts: merchants on the Console can disperse money to any Bitsika user’s app balance instantly regardless of their location or currency.
Any current Bitsika user can register / log-in onto the Console by authenticating with the same email they use on the Bitsika app. The Console will remember all your credentials like display name, username, profile picture, balances, etc. You essentially get to log-in with Bitsika.
Even if you’re not a current Bitsika user, we still make things easy for you. You’ll be given a short form on the web-app where you will provide a username and a display name that we will use to create a new Bitsika account for you, right on the spot. You can now enter the Console and start using it right after. Great thing is that, this newly created account can be used on the Bitsika mobile app whenever you decide to download it.
Merchants have to create an account or ‘Company’ on the Console for each of their businesses. They can invite all their respective staff members of each business to join the dashboard.
Merchants can create simple invoices with details like amount to be paid, the currency, title and description of the invoice, etc. A created invoice comes with a web link (like this one) that the merchant can share anywhere on the net.
Any Bitsika user who gets a hold of this link can pay it by scanning the QR or opening it directly in the Bitsika mobile app via a deep-link. After payment, the invoice amount is deducted from the Bitsika user’s balance and settled to the merchant immediately.
We hope the Bitsika Console can become a viable option for new devs thinking of integrating payments into their apps. The Console comes with some very clear benefits.
a. Infallible payments: all Console invoice payments go through without any failures. Most failures or bugs associated with payment platforms are mostly related to problems from external third party services these platforms depend on. Internal p2p transactions within the platform hardly ever fail. A Bitsika user paying a Bitsika Console invoice is practically doing an internal p2p transfer. So this is guaranteed to have almost no failure: i.e. 99.9% uptime.
b. Free transactions: being a p2p transfer, paying invoices incur no fees so we charge none either. Normal Bitsika fees do apply when Merchants want to withdraw their settlement outside of the Console or when merchants want to top-up their balances via non-p2p means.
c. Accept payments from all over Africa, get settled in your home currency: users in any country Bitsika natively serves can pay a merchant’s invoice. Say a merchant in Nigeria creates a 1,000 Naira invoice, any Bitsika user in Nigeria, Cameroon, Togo, Benin, Ivory Coast, Senegal and Burkina Faso can instantly pay this invoice. The best part is that these users can pay the invoices in their local currency like XOF or XAF, while the merchant gets settled in Naira. No need for the merchant to worry about expanding to new countries, dealing with exchange rates, language barriers from users in other countries, etc. They can just expect the NGN in their balance once the invoice is paid.
d. Instant settlement: almost all other payment platforms settle merchants’ invoice payments after 24 hours. Bitsika Console settles the invoice payments to the merchant instantly after it’s been paid because we view invoice payments as everyday p2p transfers.
Get started. Read our documentation today.