Getting Started Guide

This guide explains, in plain language, how to shop on Bancostore and how to become a distributor — from registering to earning your first commission. It isn't a policy document; for the legal terms governing your account, see our Terms of Use and Earnings & Income Disclosure.

1. Shopping as a Customer

You don't need an account to shop. Browse products, add items to your cart, and check out as a guest — your cart is kept for you as you browse.

1. Browse the Shop page, or a product's category, and add items to your cart.
2. Go to checkout, enter your delivery details (or choose free pickup), and pay securely with Paystack — by card or Mobile Money.
3. Once payment is confirmed, your order is placed. You'll see live order status updates: Pending, Confirmed, Processing, Dispatched, and Delivered.

Creating an account lets you save delivery addresses, keep a wishlist, view your full order history, and leave a review once an order has been delivered. See our Returns, Refunds & Shipping Policy for delivery fees and order details.

2. Becoming a Distributor

Becoming a distributor means joining Bancostore's referral network as an Independent Representative (IR), with your own permanent IR ID and the ability to earn commissions. It happens in a fixed order:

1. Fill in the form on the Become a Distributor page: your details, your Ghana Card number, your sponsor's IR ID (filled in for you if you followed their referral link), and whether you join on their left or right side.
2. Confirm your phone number with the code we text you.
3. Pay the registration fee — a one-time fee of GHS 100, paid securely through Paystack.
4. Your account is ready straight away. You're placed in your sponsor's team and given your permanent IR ID, which you'll also get by email with your receipt. You log in with your IR ID and password.
5. We confirm your Ghana Card number. Our team checks it; once it's confirmed, you can request withdrawals.

You start as a Starter. To activate your account and start earning, buy 500 PV of products from the shop within 90 days — that makes you Bronze. If you don't, your account is paused; your IR ID and your place in the team are kept, and our support team can reactivate it.

Changed your mind shortly after joining? New distributors have a short window to cancel their membership for a partial refund — see our Returns, Refunds & Shipping Policy for the cooling-off cancellation window.

3. How Sponsoring Works

There's no separate "become a sponsor" step — it happens automatically. Once you have your IR ID, your distributor dashboard shows your own personal referral link. Share it with anyone (WhatsApp, social media, or in person):

• Anyone who registers through your link automatically has your IR ID filled in as their sponsor — and, once they arrive from a real referral link, that field is locked so it can't be accidentally cleared.
• You become their sponsor: you're credited as their recruiter, and you earn an instant bonus when their own product purchases reach 500 PV and again at 1,000 PV.
• They're also placed into the binary tree on your side — though for tree-balancing reasons, they may land a level or two below you rather than directly underneath, if your own immediate positions are already filled.

4. How You Earn

What you earn depends on your rank. Rates are business settings that may be adjusted by Bancostore over time — the figures below are the current values:

• Binary bonus — a share of your weaker leg's PV, worked out automatically on a regular schedule.
• Matching bonus — a share of what the people you recruited, and their recruits, earn in binary bonus.
• Instant bonus — paid to you when someone you personally recruited reaches 500 PV and again at 1,000 PV of product purchases. Starters don't earn bonuses.

How to move up

• Bronze — buy 500 PV of products.
• Silver — reach 1,000 PV of your own purchases, or 1,000 PV on both of your legs.
• Gold — 3 personal referrals who have each reached 1,000 PV, or earn GHS 1,500 or more a week for 4 weeks in a row.
• Leader, Associate Leader and Partner — earn at least GHS 15,000, GHS 31,000 or GHS 50,000 a week, 4 weeks in a row.

Your dashboard shows your rank and a progress bar to the next one.

To stay eligible for bonuses, you need to generate at least 0 PV of personal volume each month. Unused PV on your stronger leg is carried forward, but expires after 180 days if it's never matched.

All your earnings — wallet balance, this week's earnings, team size, PV, and rank — are visible on your distributor dashboard at a glance.

5. Requesting a Withdrawal

Once you've earned a balance in your wallet, you can request a withdrawal from your dashboard:

• Your Ghana Card number must be confirmed by our team, and you must have set a payout destination (a Mobile Money number and network) in your payout settings.
• Withdrawal requests must be between GHS 1 and GHS 10,000, and can be made weekly.
• Approved withdrawals are processed on Fridays.
• A withholding tax of 0% is deducted from every withdrawal and remitted to the Ghana Revenue Authority (GRA) — the exact tax and net amount are always shown to you before you submit a request.
• Requests are reviewed and approved by our team before payout.

6. Need Help?

If you have questions about shopping, registering, or your distributor account, reach us through our Contact page.