The JMO BizHub Handbook

Getting started

JMO brings three things together under one account: BizHub, a marketplace for hiring vetted providers with protected payments; Academy, where you learn a skill and earn a verifiable badge; and Media, free writing from JMO and from the providers doing the work.

Creating an account

1. Choose Sign up and enter your name, email and a password. A phone number is optional at this stage.
2. If you already know you will sell services, tick the provider option and pick the categories you work in. You can also do this later.
3. Open the email we send and click Confirm my email. The link lasts 60 minutes.

You can also sign in with Google or X where those buttons appear. Google has already confirmed your address, so no confirmation email is sent.

Finding your way around

• Media, BizHub, Academy — the three sections, in the top menu.
• Search — looks across BizHub listings, providers and Media articles at once.
• Your account menu (your initial, top right) — dashboard, notifications, notification settings, Refer & earn, publications you follow, devices and sessions, and Become a provider.

Anything marked Sponsored is a paid advert, never a JMO recommendation.

Hiring a provider

Every BizHub purchase is protected: your payment is processed by Flutterwave and held until you approve the work, so the provider cannot be paid before you are satisfied.

Browsing

• Open BizHub and click a main category to reveal its sub-categories.
• Set your state to see only providers who work where you are. Providers who work nationwide or remotely always appear.
• Each listing shows a fixed price in naira, the delivery time, and how many revisions are included.
• A provider's profile shows their verification badge, reviews, Academy skill badges, languages, where they work, and anything they have published.

Contact details stay hidden until you pay

Phone numbers, email addresses, links and social handles are replaced with [hidden until funded] in profiles, listings and messages. They appear automatically once a job is funded. This keeps both sides inside the protection that makes a payment safe to make. You can still ask questions before buying with Enquire on a listing.

Buying

1. On the listing, choose Buy. This creates the job.
2. Pay through the secure checkout. You have 48 hours; an unpaid job expires after that.
3. Once payment is confirmed the job is funded and the provider is notified to start.

How a job runs

Every job moves through the same stages, and both sides can see where it is on the job page. Stages marked in pink are where money changes hands.

1. Order placed pay within 48 h

   The buyer has chosen Buy. If checkout isn't completed in 48 hours, the job expires and nothing is charged.

2. Funded

   Payment is confirmed and held by the payment provider. Contact details unlock for both sides.

3. In progress

   The provider selects Start and begins the work.

4. Delivered buyer has 5 days

   The provider submits the deliverables. The buyer then chooses one of: Approve; Request a revision, up to the number the listing includes; or Open a dispute. A revision sends the job back to in progress and the 5-day clock stops until the next delivery.

5. Approved & released

   On approval the payment is released to the provider, minus commission. If the buyer does nothing for 5 days after delivery, the job is approved automatically and released.

6. Completed

   The job is closed, and both sides can now leave a review.

Disputes and reviews

Opening a dispute

Either side can open a dispute on any job where money is held: funded, in progress, delivered, or awaiting a revision. Choose Dispute on the job page, pick a reason, describe what happened, and attach any evidence.

1. Payment freezes. Nothing is released and the automatic-approval clock stops.
2. You have 72 hours to settle it between yourselves using messages.
3. If you can't, the JMO dispute desk decides. The ruling is one of: full release to the provider, full refund to the buyer, or a split. The reviewer records a written reason, and it cannot be edited afterwards.

Read the full Dispute Policy.

Reviews

• Reviews unlock only when a job is completed, so every review comes from real, paid work.
• Buyer and provider review each other. Neither sees the other's review until both are in, or until 14 days pass, so neither can retaliate.
• Give an overall rating of 1–5, optional ratings for quality, communication and timeliness, and 20–1,000 characters of text.
• A review can't be edited or replaced once posted. A provider may post one public reply to each review about them.
• A review on a job that went through a dispute stays visible and is labelled After a dispute.

Selling your services

One account can both hire and sell. Choose Become a provider from your account menu, or tick the provider option when you sign up. Your provider workspace is at Provider dashboard.

Set up your shopfront

• Categories — pick every service category you offer, up to 20. You can only create listings in categories you've selected.
• Public profile — your headline, a bio, the states you work in (or nationwide or remote), and the languages you speak. Buyers filtering by state only see you if you've said where you work.
• Away mode — tells buyers you're not taking new work and hides you from search until you switch it off.

Creating a listing

Choose Publish new. A listing is a fixed-price package: a title and description, a price in naira, delivery time in days, the number of revisions included, a cover image, an optional gallery and video link, and any paid add-ons.

From Listings you can pause a live listing and reactivate it later. Removing a listing is permanent.

Getting verified

Verified providers carry the badge buyers look for, and only verified providers' listings go public. Open Get verified in your provider sidebar.

1. Confirm your phone number. We text a 6-digit code that expires in 10 minutes. If text messages can't reach you, the code may be emailed instead.
2. Upload your documents. Images or PDFs, up to 8 MB each, stored privately and seen only by our review team:
   • Valid government ID — NIN slip, international passport, driver's licence or voter's card, with its expiry date. An expired ID is refused.
   • Company registration or business name — your CAC certificate.
   • Professional certification — a certificate, licence or accreditation for the work you offer.
   Which of these are required depends on your categories; the page marks each one. The others are optional but strengthen your application.
3. Choose Submit for review. Review usually takes up to 2 business days. Your documents are locked while under review.

If something comes back

• One document rejected — the reason appears beside it. Upload a replacement, even while under review. This doesn't count against your attempts.
• Application returned — the reason appears at the top of the page. Fix what's asked and resubmit. You have 3 attempts before the case goes to manual escalation.

Earnings and payouts

When a job is released, your share lands in your Wallet, minus commission.

Commission

The rate steps down as your lifetime sales on JMO grow. The rate at the moment a job is funded is fixed for that job, even if the schedule changes later.

Withdrawing

1. Open Wallet and choose to request a payout. The minimum is ₦5,000.
2. Enter your bank and account number. The account name must match your own name; payouts to someone else's account are refused.
3. New earnings are on a 24-hour hold before they can be withdrawn, and your first ever payout on a 72-hour hold. These are fraud checks.
4. Our finance team approves the payout and the transfer is sent.

Learning on Academy

Courses are taught by approved providers and reviewed by JMO before they're listed. Pass a course's assessment and you earn a skill badge that anyone can verify.

1. Enrol from the course page. Paid courses go through the same secure checkout as BizHub. If a cohort course is full, join the waitlist.
2. Learn — open My learning to work through the video and text lessons.
3. Take the assessment. Each course sets its pass mark (never below 50%), number of attempts, waiting time between attempts, and any time limit.
4. Earn your badge. It appears on your BizHub profile and has its own public page, so a buyer can check it's real without an account.

Teaching a course

Any provider can apply to teach. Open Teach in your provider sidebar and tell us what you'd teach and why you're qualified, in at least 80 characters. We usually reply within 2 working days.

Building a course

1. Create the course — title, summary, level, format, duration, price (or free), learning outcomes and a cover image.
2. Add lessons — a YouTube video or written text. Unpublished lessons stay hidden from learners.
3. Write assessment questions — multiple choice with one correct answer each, plus an optional explanation. Set the pass mark (at least 50%), question count, attempts and cooldown.
4. Submit for review. The page lists anything still missing. A reviewer approves the course or sends it back with notes.

What you earn

You keep 70% of each enrolment fee. Your share is paid once the learner's refund window (20% of the course duration) has closed, so a refunded enrolment never has to be clawed back. Learners on each course shows who has enrolled, what's been paid and what's pending.

Media and publications

Everything on Media is free to read, with no account needed. Articles come from JMO's editorial desk and from providers, and every piece says who wrote it.

Reading and following

• Media shows both voices; Provider publications shows provider writing only.
• Subscribe on a provider's profile or at the end of their article, and you'll be told by email and in the app when they publish. Subscribing is free and needs a signed-in account.
• Manage everyone you follow under Publications you follow in your account menu.
• The JMO newsletter is separate: enter your email on the Media page.

Publishing as a provider

1. Open Publications in your provider sidebar and choose Write something.
2. Add a title, theme, a short excerpt (shown in the feed and in search results), the body (at least 200 characters), and optional key takeaways and tags.
3. Add a cover image if you have one — JPG, PNG or WebP up to 2MB. It appears on Media, on your profile, and when somebody shares the link. A wide 16:9 picture works best. Leave it empty and your piece gets JMO artwork instead.
4. Save the draft, then Publish. It goes live straight away, on Media and on your profile. Publishing is free.

Formatting your writing

The body is a full editor, not a plain box. Use the toolbar for headings, bold, italic, bulleted and numbered lists, quotes and links — the same way you would in any word processor. The counter under the box tells you how far you are from the 200-character minimum, then counts words.

• Pasting is safe. Text copied from Word or another website arrives clean, without that site's fonts and colours.
• Tables don't survive. A pasted table becomes plain text — set the information out as a list instead.
• Your piece looks the same in the editor as it will to readers.

Your subscribers are notified the first time a piece goes live, not if you take it down and republish it. Once published, the article's web address is fixed, so links already shared keep working.

Refer and earn

Bring people to JMO and earn a share of what the platform makes on the work they do. Every account has a referral link — buyers, providers and instructors alike.

Your link

1. Open Refer & earn in your account menu.
2. Copy your link. It looks like app.jmobizhub.com/r/JUG8ZP, and the six-character code at the end is yours alone.
3. Share it — WhatsApp, Instagram, a business card, or in person with a business that should be listing on BizHub.

Anyone who signs up after clicking your link is recorded against your name, even if they sign up days later on the same device, and even if they use Google or X to join. The same page shows everyone who has joined through you and what each has earned you.

What you earn, and when

• You earn when somebody you referred completes their first job — whether they hired someone or did the work themselves.
• It is paid once per person. One reward for each new member you bring, not a cut of everything they ever do.
• The reward is a percentage of JMO's commission on that job, set by the administrator. Nothing is taken from the provider's earnings or added to the buyer's price.
• If you brought in both sides of a job, the buyer and the provider, you earn on both.

Getting paid

1. Rewards build up as an available balance on your Refer & earn page.
2. Choose Withdraw once you have at least ₦5,000. New rewards sit on a short security hold first — 72 hours before your first withdrawal, 24 hours after that.
3. Enter the amount, your bank and your account number. We check the account with your bank: it must be in your own name.
4. JMO Finance sends the money and marks the request paid. You'll see the status, and the reason if a request is ever declined.

Your account number is encrypted and is never shown in full anywhere on the platform.

Your account

• Notifications — everything that has happened on your jobs, messages and subscriptions. Mark items read one at a time or all at once.
• Notification settings — choose in-app, email or SMS for jobs, messages, Media and marketing. Messages about money, disputes and account security are always sent and can't be switched off.
• Messages — conversations with buyers or providers, including file attachments. Contact details stay hidden until a job is funded.
• Refer & earn — your referral link, who has joined through it, what you've earned and how to withdraw it.
• Devices & sessions — see where you're signed in and sign out any device you don't recognise.
• Forgotten password — use Forgot password on the sign-in page. The reset email can land in spam.

Running the platform

The admin panel is at /admin. Screens are grouped in the left sidebar; a number badge beside a screen means items are waiting for someone.

Most screens are open to all staff. Adverts and everything under Configuration need the admin or super admin role. Documents is also open to support agents.

Verifying a provider, step by step

This is the job that unblocks everything else: an unverified provider's listings cannot go live, so until someone is verified the marketplace stays empty.

1. Open Trust & Safety → Vetting queue. It lists providers who have pressed Submit for review. If somebody is missing, they haven't submitted — their uploads are still under Documents.
2. Open the provider. Check each document: the name on the ID matches the account, the CAC certificate is legible, certifications are current.
3. In Trust & Safety → Documents, Approve or Reject each document individually. Rejecting one does not reject the provider — they can replace just that file.
4. Back in the vetting queue, Approve the provider. The dialog warns you if a required document is still unapproved. They get the badge, and any listing already approved goes live at that moment.
5. Or Reject with a reason. The provider sees your words, fixes the problem and resubmits — they get three attempts before it comes to you manually.

Getting a listing live

A listing reaches buyers only when it is Active. New listings are held in review for one of two reasons, shown in the Review dialog:

• The provider isn't verified yet. Verify them (above), or approve the listing now — it publishes itself the moment their badge is issued.
• Contact details in the text. A phone number, email or social handle in the title or description. Use Send back with a note; the provider edits and resubmits.

Timers and fees

Every clock and amount that decides what happens next, in one place.

When something goes wrong

Still stuck? The Help centre answers the most common questions, and the Terms of Service and Privacy Policy set out the rules in full.