Your Donation Is Protected
We've built BisaFund so that every cedi you give goes straight to a verified organiser — with upfront identity checks, content review, and real-time fraud monitoring keeping the platform safe.
Our Four Pillars of Protection
Mandatory KYC Before Go-Live
No campaign goes live until the organiser completes Smile ID biometric KYC (government ID + selfie match) and links a verified payout account. Every donation therefore goes to a confirmed identity.
Held Funds with Admin-Approved Payout
Donations are held in BisaFund's settlement account and disbursed to the organiser's verified mobile money or bank account after admin-approved withdrawal.
Identity Verified Organisers
Organisers earn an "Identity Verified" badge after Smile ID biometric KYC — government ID + selfie matched against the Ghana government database. Because verification is required before go-live, every Active campaign has a verified organiser.
Upfront Vetting & Post-Fraud Enforcement
Every campaign is content-reviewed and sanctions-screened before going live. If fraud is detected, we suspend the campaign instantly, block further donations, and refer the matter to the authorities.
How Your Donation Flows
You Donate
Your donation is processed securely by our payment provider and held in BisaFund's settlement account on behalf of the campaign.
Organiser Pre-Verified
Before the campaign went live, the organiser completed Smile ID biometric KYC and linked a verified payout account — so your donation goes to a confirmed identity.
Funds Held and Disbursed
Your donation is held by BisaFund and disbursed to the organiser's verified account after admin-approved withdrawal, with the platform fee deducted at payout.
Ongoing Monitoring
We monitor the campaign for fraud in real time. If we detect fraud, we suspend the campaign immediately, block further donations, and refer the matter to the authorities.
Additional Safeguards
AI Fraud Detection
Every campaign is scanned for suspicious keywords, misleading links, and risk patterns before going live.
Suspension System
Campaigns flagged for fraud are immediately suspended and blocked from receiving further donations, then referred for investigation.
Upfront Vetting
Every organiser is biometrically verified (Smile ID), sanctions-screened, and content-reviewed before their campaign can go live — because once donations flow, they go straight to the organiser.
Real-Time Monitoring
Donation patterns are monitored for coordinated behaviour, velocity, and IP diversity. Suspicious activity triggers instant campaign suspension.
Celebrity Priority Review
Celebrity campaigns undergo a separate priority review track with multi-layer verification (ID, selfie, social proof) to ensure high-trust fundraising for public figures.
What If Something Goes Wrong?
If you suspect a campaign is fraudulent or misleading, you can report it directly from the campaign page. Our team reviews every report within 24 hours. Because BisaFund holds donor funds pending disbursement, it can withhold or reverse donations where fraud is detected before payout. If fraud is detected after payout, we will suspend the campaign, block further donations, and refer the matter to the authorities. Your donation is a voluntary gift to a verified individual.