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The collect and settle flow lets you accept payments from African customers in local currency and receive settlement in USD or stablecoins. This is the solution for companies that sell services to African customers and need to get their money out efficiently.

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How it works

1

Configure your merchant settings

After receiving your credentials, configure your merchant account:
  • Callback URL: Your webhook endpoint for payment notifications
  • Fee bearer: Whether you or your customer absorbs transaction fees
  • Credit currency: The currency you want to be settled in (e.g., USD, USDT, USDC)
Configure these via the dashboard or the Update Settings endpoint.
2

Create a user account for your customer

Register each customer using Create Account. This creates a permanent payment account that your customer can deposit to at any time.
3

Complete KYC for the customer

Your customer must verify their identity before making payments. See Accounts and KYC for the verification flow. This is a one-time step.
4

Initiate a collection

Use the onramp flow to collect a payment. Call Onramp and Offramp with type: "fiatToCrypto" to create a payment request. The response includes the bank account details where your customer should send their payment.Alternatively, if you are using the collect API for simpler collection without crypto conversion, you can create a payment using Create Transfer or Initiate Transfer.
5

Customer makes payment

Your customer transfers the specified local currency amount to the provided bank account via bank transfer.
6

Receive settlement

Partna converts the local currency and settles in your configured credit currency. You receive a webhook notification when the settlement completes.

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Settlement currencies

You can settle in any supported stablecoin (USDT, USDC) or hold balances in local currency. Configure your preferred settlement currency in your merchant settings.

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Checking your balance

Use Get Balances to check your merchant account balances across all currencies: 
curl --request GET \
  --url https://staging-api.getpartna.com/v4/user/balances \
  --header 'x-api-key: YOUR_API_KEY' \
  --header 'x-api-user: YOUR_USERNAME'

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Withdrawing your balance

Once funds are settled in your account, use Withdraw to send funds to an external wallet or bank account.

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Currency conversion

If you hold balances in one currency and need to convert to another, use Convert Currency to convert between supported currencies within your account.

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Use case: SaaS company collecting from Nigerian clients

A typical flow for a SaaS company invoicing Nigerian enterprises:
  1. Customer is onboarded and KYC’d once
  2. For each invoice, create a ramp request specifying the NGN amount owed
  3. Share the generated bank account details with your customer
  4. Customer pays via standard Nigerian bank transfer
  5. You receive USDT or USD settlement within hours (typically same-day)
  6. Withdraw to your corporate wallet or bank account as needed
This replaces the traditional process of waiting weeks or months for cross-border wire transfers from Nigeria.