Our instore/ proximity pay product allows merchants to collect payments using various payment methods available in the market from banks to mobile money such that all transactions regardless of payment method are collected and settled into one store value of customer's choice.
The customers will be able to make payments to the merchant through USSD, QR Code, Merchant Initiated STK push, Bank Transfers and Point of Sale
USSD: is where a customer dials the USSD code enters the counter code and amount to make payment eg. *369*counter code*amount#. A code is assigned to different counters within a store.
QR Code: It where a customer scans a QR code assigned to a counter to make the payment.
Merchant Initiated STK push: is where the merchant sends the customer an STK push up to enter their pin to make the payment. The amount to be paid is already specified.
Bank Transfers; Is where the customer sends money to the provided virtual account number directly from their bank account.
Point of Sale: Is a hardware device that is provided, a customer can make cash payment and the payment is entered on the device by the cashier and a receipt is issued, the merchant can also send the customer a push to make the payment, customer can also swipe their card.