01
As many groups as your business has shapes
Per product line, per branch, per partner. Each has its own split code. Attach the right one at charge time.
Appia Gateway · Splits & settlement
Set the shares once. Stop running settlement by spreadsheet.
Define who gets what, attach a split code to any charge, and every collection is divided and paid into your beneficiaries’ bank accounts automatically at 9am the next morning.
01 — Arrangements
Many arrangements, one account.
02
Percentage or fixed
Split by percentage — totalling 100% or less, with the remainder staying with you — or by fixed amounts.
03
Any Nigerian bank account, or an Appia wallet
Beneficiaries can sit at any bank. Paying into an Appia wallet costs ₦0.
02 — Verification
Every account name-verified.
No silent typos into a stranger’s account.
Before a beneficiary can receive a single naira, we resolve the 10-digit account number against the bank and confirm the real registered account name. You see the name before you save the beneficiary, not after the money has gone.
03 — Settlement
Settlement is a product, not an afterthought.
Automatic
09:00 WAT
Every day, covering the previous Nigerian day. T+1, no trigger, no reminder, no one remembering to run it.
On demand
Dry-run first
Trigger a payout yourself, with a dry run that returns the exact per-beneficiary breakdown, transfer fees, totals and whether your balance covers it. Zero side effects.
Transfer fees are ₦55 per bank beneficiary and ₦0 to an Appia-wallet beneficiary.
04 — Confirmation
We don’t assume a transfer worked.
-
~45 seconds
After dispatch we ask the bank for the transfer’s real status. Not our record of it — theirs.
-
Up to 5 polls
Re-checked repeatedly, and durable across restarts — a deploy in the middle of a payout batch does not lose the thread.
-
Hourly retry
Confirmed failures retry through the business day.
-
End of day
Anything still unresolved by the end of the Nigerian day is refunded — amount plus the transfer fee — back into your wallet. Nothing gets stranded.
Worth stating plainly
No split configuration means no payout.
If you haven’t set one up, your collections simply accumulate as spendable Appia wallet balance. That is not a fault — it is the default. We would rather you read it here than discover it on the third morning.
05 — Back office
A portal your finance team can actually use.
Today
Collections, payouts, unsettled
Plus a 7-day trend.
Drill down
To the bank’s own response code
From a payout batch into every individual transfer.
Roles
Four
Owner, admin, finance, support. Team invites, ownership transfer, forced logout, and an audit log on every sensitive action.
Daily email
Reconciliation
Collected minus fees minus payouts, netted.
Set it once. Then stop thinking about it.