Run the whole business from one app.

A white-label super app that turns any phone into a complete business. Merchants accept every payment, get paid remotely, sell online, pay people and grow, under your brand.

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Key capabilities

Everything in one platform.

Accept card, tap-to-phone, QR, wallet, cash and loyalty points

PayLinks for invoices and products, sent by SMS or chat

Online store builder and a B2B marketplace

Live balance, sales analytics and VAT reporting

Payroll, supplier payments and bulk payouts

Bills, cash in and out, and remittance as extra income

Customer journey

Five steps, as your customers see them.

1OnboardSelf, agent and bulk, with KYC/KYB
2AcceptCard, tap-to-phone, QR, wallet, cash
3OperateLive balance, staff and inventory
4SettleFees, payouts and split settlement
5GrowOnline store, loyalty and VAS

Screens are illustrative mock-ups with sample data.

Accept payments

Every way to pay.

The phone becomes the terminal, and the merchant gets an instant receipt.

Card and tap-to-phone with SoftPOS
Dynamic QR, or request to pay by mobile number
Cash sales and loyalty points, redeemed with OTP
Print, share or refund from the receipt

PayLink · Store builder

Get paid anywhere.

Merchants send payment links and open an online store, without a website or a developer.

Invoice PayLinks with amount, expiry and partial payment
Product PayLinks, typed in or picked from the store
Payer name, reference number and invoice file
Online store with orders and products, in minutes

Dashboard · Analytics

Know the business at a glance.

Balance, today's sales and quick actions on the home screen, with reports one tap away.

Live balance and today's sales, by terminal and date
Sales by channel: card, wallet, QR and cash
Every payment with method and amount
Quick actions: sale, PayLink, refund, withdraw

MiniApps

Switch on what your customers need next.

Super App for Merchants

20+

Payments acceptance

SoftPOS
PayLink
QR code payments
Recurring payment
Split payment
Save now, buy later
Sell now, collect later

Commerce

E-commerce store builder
B2B marketplace
Pay at table
Instalments · mBNPL
Promos and notifications
Retail ECR solution

Disbursements

VCN issuance
Corporate payroll
Bulk payouts
Suppliers payment
Split settlement
Cash in · out

Value-added

Bill payments
PUDO operations
Remittance
Agent services
Business analytics
VAT reporting

Solution architecture

Built as a platform, not just an app.

L1ChannelsApps · Web portal · Back office · Checkout, links and QR · Partner APIs
L2Edge and identityCDN · DDoS · WAF · API gateway · SSO, MFA and device trust
L3Control planeUnified API · CMS · Policy, limits and fees · Workflows · RBAC
L4Business servicesOnboarding and KYB · Outlets and staff · VAS and bills · Support · Loyalty
L5Financial coreWallet ledger · Payment gateway · Routing · Cards · SoftPOS · Settlement
L6Shared servicesNotifications · Statements · AML and fraud · Configuration · Scheduler
L7IntegrationsBanks · Card schemes · Acquirers · KYC · Billers · CRM and e-sign
L8InfrastructureDatabase per service · Event bus · Cache · Storage · Kubernetes