How Carter Efe Gets Paid from Twitch in Nigeria

Last updated: January 19, 2026 • 4 min read

Direct Answer: Carter Efe receives his Twitch payments through a virtual US dollar account service (most likely Cleva or Geegpay) that provides him with real US bank details for receiving ACH transfers from Twitch.

The Payment Method Carter Efe Likely Uses

While Carter Efe hasn't publicly disclosed his exact payment setup, Nigerian streamers at his level typically use one of these virtual dollar account services:

• Cleva - 0.9% fee, Y Combinator backed, perfect for Twitch ACH payments
• Geegpay (Raenest) - 0.8% fee, multi-currency support, fast withdrawals
• Payoneer - 1-3% fees, most established option for high earners

How the Process Works

Here's the exact process Carter Efe (and other Nigerian streamers) likely follow:

1. Opens a virtual dollar account with a service like Cleva (takes 5-10 minutes with NIN + BVN)
2. Receives US bank details including routing number and account number
3. Adds these details to Twitch in the payment settings under "Payout Method"
4. Receives ACH transfers from Twitch (typically monthly, around the 15th)
5. Withdraws to Nigerian bank within 1-2 days at 0.8-0.9% fee

Why Traditional Nigerian Banks Don't Work

Carter Efe can't use regular Nigerian domiciliary accounts because:

• Twitch only supports ACH transfers to US bank accounts
• Nigerian domiciliary accounts don't have US routing numbers
• Traditional banks charge 5%+ in fees plus require physical branch visits
• PayPal doesn't allow Nigerians to receive international payments (suspended since 2016)

The Math on Carter Efe's Earnings

With 20,000 subscribers at Twitch's $4.99 subscription tier (Nigerian streamers typically get 50% revenue share):

Monthly Calculation:
20,000 subs × $4.99 × 50% = $49,900
Plus donations, bits, and ad revenue ≈ $50,000-$60,000 total

With Cleva (0.9% fee):
$60,000 - $540 (max $20 cap doesn't apply) = $59,460 in Nigerian bank
≈ ₦77 million at ₦1,300/$1

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