Merchants enroll online. The process includes KYC (know-your-customer), risk analysis and approval, as well as product, operations and settlement configurations. This allows for the mobile proposition to be tailored to meet their needs.
Merchants who wish to provide mobile payments through their existing systems (e.g. POS systems, eCOM platforms or mobile apps) are forwarded to our merchant API for integration, enabling a variety of integrated merchant solutions.
Merchants who wish to accept mobile payments without hardware or integrations can enable our turnkey solutions, enabling both remotepre-order payments and on-site mobile digital cash payments. The solution includes tools for product management and marketing, order handling and sales and settlement reporting.
The online enrollment portal is accessible to all merchant types with KYC, AML, PEP, CTF controls and approval processes, choice of product(s), and various operations and settlement configurations. This allows merchants to tailor the mobile proposition, needs dependent.
Merchant profile and settings
The profile page includes organisation details, user management and settlement accounts, as well as brand logo, store name, description and other branding options towards consumers.
Access to the merchant console is permissions-based and the console can be configured by the account owner to cater to the needs of different roles such as operational personnel, accountants and general managers.
Merchants can add their products and organise these in mobile stores, with custom branding, images and texts. Merchants can also manage inventory, VAT rates, customer data capturing, payment validation and delivery settings.
Merchants can also choose from a variety of ways to expose and sell their products. This includes on-site and remote payment options, which allows the sale of products directly in the consumer app or in any other channel such as social media, in printed media or on TV.
Merchants can receive, track and process orders from customers. The interface features all the details needed, including order date and time, payment status, customer chat, and order processing status options to cater to different order types such as pickup and delivery. Orders can also be reversed and payments credited in real-time.
Merchants get a real-time overview of their sales with a variety of data segmentation options (date, time, type, amount etc). Sales reports, available in selected formats (CSV, Excel etc), are sent out periodically to configured email addresses and can also be downloaded manually.
Merchants have access to a complete overview of all settlements performed, each containing details such as gross sales, transaction- and service fees, and net-settled amount paid to the merchant’s bank account. Sales reports, available in multiple formats (CSV, Excel etc), are sent out periodically to configured email addresses and can also be downloaded manually.
Customer data collection
The system collects and manages a wide variety of user data, ranging from customer identity to transaction history. Configurable by the scheme owner, the system enables merchants to collect and use customer data, with or without the customer’s consent (configurable by the scheme owner and subject to local legislation).
Before, during or after a transaction, data points such as loyalty ID, name, address, balance and purchase history can be shared. This data can be used by the merchant to create personalised shopping experiences and automate future interactions. Users are, however, free to turn on/off sharing permissions for individual merchants (and for specific data points) inside the consumer app.