2,500+merchants on CSwitchMoney in. Money out.
One switch.
Collect by payment link, invoice, card, transfer and POS. Pay out to any Nigerian bank.
Keep scrolling to see the whole page
Your customers pay how they like. You get paid either way.
- VISA
- mastercard
- Verve
- Transfer
- QR
- POS
One account for the merchant. One app to run it.
Your CSwitch merchant account handles collections, payouts and your team. The CSwitchPay app puts all of it in your pocket.
Merchant account.
Collections, payouts and statements in one place, with a subaccount for every branch, project or tax bill.
Mama T's Kitchen · all accounts
₦3,982,950.00
- Main account0123 456 789₦2,418,350.00
- Ikeja shopPOS and transfers₦864,120.00
- Online ordersPayment links₦517,900.00
- Tax pot7.5% set aside₦182,580.00
CSwitchPay.
Check sales, pay suppliers and get alerts from your phone. Or just send a message on WhatsApp.
Get paid the way your customers already pay.
A boutique in Ikoyi, a cake studio in Abuja and a salon in Lekki all get paid differently. CSwitch takes it every way, into one account.
Transfer received · just now
+₦18,500.00
from Ngozi Eze · to 0123 456 789
Bank transfers
Each customer gets their own account number, so every transfer arrives with a name on it.
Payment link · paid
WhatsAppCelebration cake, 2 tiers
₦85,000.00
Payment links
Share a link on WhatsApp or Instagram. Your customer pays by card or transfer.
GLOW STUDIO, LEKKI
CARD PURCHASE · APPROVED
POS at the counter
Tap, insert or pay by transfer at the till. Every sale settles into your account.
Everything a merchant account should do. And more.
The tools that usually live in five different places, built into the account your money already sits in.
Virtual accounts
An account number for every customer, so payments match themselves.
October salaries
Sending173 of 240 paid · ₦14,850,000
Bulk payouts
Pay hundreds of people from one upload, with approvals first.
Invoice INV-0418
Ada Fabrics, Aba
Invoices
Branded invoices with a pay button and polite reminders.
Subaccounts and money pots
Separate pots for payroll, tax and each branch.
Statements
Any period, as PDF or CSV, ready for your accountant.
Transfer to Okoro Building Supplies
₦3,400,000.00
Team and approvals
Roles for every staff member, and a second sign-off on big transfers.
Every naira, at a glance.
See what came in, from which channel, and what has gone out. Updated the moment money lands, on the web and in the app.
A terminal that settles while you serve.
Card, tap or transfer at the till. Every sale lands in your CSwitch balance before the receipt finishes printing.
Amount
₦4,750.00₦28,800.00₦12,000.00
Your merchant account, in your pocket.
Check sales, pay suppliers and get alerts in the CSwitchPay app. Away from the app? Do the same by chatting on WhatsApp.
- The app
Send 5k to Tunde
Done. ₦5,000.00 sent to Tunde Bakare.
An API your team will actually like.
Plain REST, signed webhooks and a sandbox full of test money. Your AI tools can use it too, through our MCP server.
# Give a customer their own account number
curl https://sandbox.cswitchcba.com/v1/virtual-accounts \
-H "Authorization: Bearer sk_test_••••" \
-d customer=cus_8Fq2 \
-d name="Ngozi Eze"Response · 201
{
"number": "9930112478",
"name": "Ngozi Eze",
"status": "active"
}
Your money, guarded.
Every login, approval and transfer is checked, so the only person moving your money is you.
- Two people sign off on big transfers
- Biometric login and a PIN on every device
- Fraud checks before money moves
Many branches. One view.
Chains, distributors and corporates run every outlet's collections, payouts and terminals from one dashboard.
Talk to salesWho can open a CSwitch merchant account?
Registered companies, partnerships and sole traders in Nigeria. Have your CAC documents, a valid ID and your BVN ready, and you can apply from your phone.
How quickly do payments reach my balance?
Transfers into your account show up the moment they are confirmed. Card and POS payments settle on the schedule shown in your dashboard, and you can see every one as it comes in.
Do my customers need a CSwitch account to pay me?
No. They pay by card, bank transfer or payment link from their own bank, and the money lands in your CSwitch account.
What does it cost?
Every fee is listed on our pricing page. Larger merchants can talk to sales about volume pricing.
Can I run several branches on one account?
Yes. Give each branch its own subaccount and terminals, set roles for your staff, and see every outlet in one dashboard.
Ready when you are.
Open a merchant account from your phone and start taking payments today.