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Merchant payments
Take the money. Keep the phone you already have.
Acceptance built for a market where the terminal is the bottleneck: QR at the counter, SoftPOS in the hand, proximity transfers between people, and settlement that arrives while the day is still running.
The problem
Hardware is the tax nobody itemises.
A Nigerian merchant who wants to take cards has historically needed a box. Somebody buys it, somebody carries it, somebody charges it, somebody replaces it when it is dropped. Multiply that by the millions of terminals now active across the country and the cost of acceptance stops being a percentage and starts being a logistics operation.
The merchants furthest from that logistics operation — the market trader, the pop-up, the driver, the stall on a Saturday — are the ones who most need to take a card and least able to justify a terminal.
What we are building
Four ways to get paid, one account behind them.
Android SoftPOS
The merchant’s own NFC Android phone becomes the terminal. A customer taps a contactless card or their own phone against it and the transaction completes. No box to buy, no box to lose.
Static & dynamic QR
A printed code taped to a counter for the simplest case, and a generated code carrying the exact amount when the till needs to be right. Both settle to the same place.
Proximity transfers
Person to person, in the same place at the same time, without typing an account number or reading one out across a noisy room.
Merchant operating system
Takings by day and by staff member, reconciliation that matches the bank, stock and inventory tooling, and the reporting a lender would want to see later.
CHAMPPAY
Amount due
₦12,400.00
Table 6 · two covers
Tap card or phone
ReadyInterface shown is illustrative of the product being built.
Settlement
Money that arrives while you are still trading.
A restaurant that gets Friday’s takings on Monday is financing its own weekend. Instant and same-day settlement is the single feature merchants ask about first, and it is designed in from the start rather than sold as an upgrade.
01
Tap or scan
Card, phone or QR — whichever the customer has to hand.
02
Authorise
Routed through licensed partners with risk and fraud checks applied.
03
Confirm
Merchant and customer both see the result immediately, on their own screens.
04
Settle
Into the merchant account on an instant or same-day cycle.
Where we start
High-volume merchants first.
Acceptance infrastructure earns its place where transaction counts are high and the pain of the current setup is obvious every single day.
Restaurants & QSR
Table turns, split bills, tips and staff attribution.
Retail chains
Multiple sites, one reconciliation, per-branch reporting.
Events & hospitality
Queues that have to move, and staff handed a phone rather than a terminal.
High-transaction SMEs
Businesses whose margin lives in volume and whose cash cycle is tight.
Want early access when the merchant pilot opens?
Register your interest