Payments
How you get paid
Your customers pay you directly, on the rails your country already uses. In this default mode the platform never holds, routes or touches your money: it only keeps the ledger of prepaid balances honest. If you would rather not chase references by hand, you can ask us to collect online payments for you instead.
How a top-up works
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1
You tell customers how to pay
On your panel you write your till, merchant number, wallet or account in your own words, per language.
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2
The customer pays you and sends the proof
They pick the rail, enter the amount and the transaction reference. Nothing is credited yet.
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3
You check and approve
One click in your admin, on your phone. The balance is credited through the ledger in one transaction and the customer is notified.
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4
Orders spend the balance
Every order debits the exact charge; failed or partial deliveries are refunded automatically, once.
Rails your panel can name
Pick the ones your customers already use. Each comes with a short instruction your customers see when they submit a payment.
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M-Pesa
Send to the till or phone number the store shows, then enter the M-Pesa confirmation code as your proof.
Common in: Kenya, Tanzania
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MTN MoMo
Pay the merchant code or number the store shows and enter the MoMo transaction id as your proof.
Common in: Uganda, Ghana, Cameroon, Ivory Coast, Rwanda, Zambia, Benin
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Airtel Money
Send to the Airtel Money number the store shows and enter the transaction id as your proof.
Common in: Uganda, Tanzania, Kenya, Zambia, Malawi, DR Congo, Nigeria
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Orange Money
Send to the Orange Money number the store shows and enter the transaction id as your proof.
Common in: Ivory Coast, Senegal, Cameroon, Mali, Burkina Faso, Guinea, DR Congo, Madagascar
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Wave
Send with the Wave app to the number the store shows and enter the transfer reference as your proof.
Common in: Senegal, Ivory Coast, Mali, Burkina Faso, Uganda
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Bank transfer
Transfer to the bank account the store shows and enter the transfer reference or the sender name as your proof.
Common in: Nigeria, Ghana, South Africa, Kenya, Ethiopia, Egypt, Morocco
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Crypto (USDT)
Send USDT to the wallet address the store shows and enter the transaction hash as your proof.
Common in: Anywhere
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Mobile money
Enter your PIN on the prompt that appears on your phone to approve the payment.
Common in: Tanzania
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Bank card
Pay with your card on the secure page that opens next.
Common in: Anywhere
What the platform never does in this mode
- Hold or move your customers' money.
- Take a cut of a top-up.
- Change a balance outside the ledger.
Start collecting on your own terms
Open your panel today; add your payment instructions in five minutes.
Start free trial