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Overview

Bila gives you full control over where your funds are settled. You can direct funds from specific sub-wallets to different settlement accounts, whether a bank account or mobile money depending on your business needs. If no specific settlement account is set on a sub-wallet, funds automatically settle to your default settlement account.

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Wallets

From the left sidebar, click Wallets. The Wallets page shows your Main Wallet and all your Sub-Wallets.

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Main Wallet

Your Main Wallet is your primary business wallet in ZMW. It shows: From the Main Wallet you can:
  • + Add Money — top up your wallet
  • Transfer — move funds between wallets
  • History — view your full transaction history

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Sub-Wallets

Sub-wallets let you segregate funds for specific purposes — for example, a wallet per product line, service, or department. Each sub-wallet shows its name, currency (ZMW), available balance, hold amount, and its own Transfer and History actions.
You can have multiple sub-wallets, each with its own settlement account. This gives you full flexibility to direct funds exactly where they need to go.

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Creating a Sub-Wallet

Click + Create Sub-Wallet from the Wallets page. A panel slides in from the right.

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Settlement Account options

When creating or editing a sub-wallet, you can assign a specific settlement account from the dropdown:
If no specific settlement account is set on a sub-wallet, funds automatically settle to your default settlement account.
Click Create Wallet to save, or Cancel to discard.

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Settlements

From the left sidebar, click Settlements. The Settlements page lets you track all funds settled to your bank or mobile money account.

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Summary cards

At the top of the page you will see three summary cards:

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Tabs

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Settlement Accounts

Click the Settlement Accounts tab to view, add, and manage the accounts your funds are settled into. The accounts table shows:
Your default settlement account is marked with a Default badge. All wallets without a specific settlement account assigned will settle here automatically.
To set a different account as your default, click Set as Default next to the account you want to use.

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Adding a Settlement Account

Click + Add Account from the Settlement Accounts tab. A two-step panel opens: Step 1 — Account Details → Step 2 — Confirm OTP Choose your Destination Type first:
Fill in the following fields:
“Enter the required details and we’ll verify the destination automatically.”
Click Next to proceed to Step 2, where you confirm the account with a one-time OTP sent to your registered number. Click Cancel at any time to discard.

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Setting a Custom Settlement Account on a Sub-Wallet

Previously, all funds from a merchant’s different wallets settled into a single default account. You can now assign a specific settlement account to each individual sub-wallet.
1

Go to Wallets

From the left sidebar, click Wallets.
2

Click the edit icon on the sub-wallet

Find the sub-wallet you want to configure and click the pencil (✏️) icon next to the wallet name on the wallet card. This opens the Edit Wallet panel.
3

Update the wallet details

The Edit Wallet panel lets you update:
4

Choose a settlement account

In the Settlement Account dropdown, select one of the following:
5

Save your changes

Click Save Changes to apply. Funds collected into this sub-wallet will now settle to the account you selected. Click Cancel to discard.
If no settlement account is set on a sub-wallet, all funds will automatically settle to your default settlement account. Make sure your default account is always verified and active.

Payments

View and manage all your payment transactions.

Invoices

Create and send invoices that collect payments into your wallets.

Mobile Money & Local Bank Transfers

Learn about supported mobile money operators for settlements.

Report a Bug

Something not working? Report it directly from your dashboard.