The OD (Overdraft) allows Chapa to fund a merchant's account instantly using credit, before the merchant deposits have been settled into Chapa's main bank account.

The Overdraft (OD) facility provides immediate access to funds that are still in the settlement process, offering short-term financing when needed. The amount available to a merchant depends directly on their transaction activity and overall performance.As the merchant continues to perform reliably and maintain strong transaction volumes, the maximum OD limit increases over time. In simple terms, Chapa advances funds based on the merchant’s proven business activity on the platform.