You are not short of payment apps. You are short of one that behaves.

If your terminal is charging when the queue is longest, if Friday’s takings clear on Monday, and if reconciliation is a Sunday-night job — those are the three things we are building against.

What changes

Three problems, addressed directly.

No terminal to manage

Acceptance runs on the Android phone your staff already carry. Adding a till point at a busy hour becomes handing someone a phone, not sourcing a device.

Money that arrives today

Instant and same-day settlement is designed in, not sold as a premium tier. Your cash cycle should not be financing somebody else’s float.

Books that already match

Takings by day, by site and by staff member, reconciled against what actually landed — so the month-end is a review rather than an investigation.

Who this suits

Volume, and a reason to care about it.

We are starting with businesses where transaction counts are high enough that a few seconds and a few days genuinely matter.

Restaurants & QSR

Table turns, split bills, tips, and staff-level attribution on every transaction.

Retail & chains

Several sites reporting into one reconciliation, with per-branch visibility that does not require a phone call.

Events & hospitality

Temporary till points that stand up in minutes, on phones, and come down again the same night.

High-transaction SMEs

Businesses whose margin lives in volume and whose working capital is genuinely tight.

Straight answers

The questions merchants actually ask.

Can I use this today?

Not yet. Merchant acceptance is in build, and the pilot opens to a limited number of businesses first. Registering your interest puts you in that group and costs you nothing.

Do I need to buy anything?

The point of the product is that you do not. An NFC-capable Android phone is the terminal.

What does it cost?

Pricing is set before the pilot opens and will be published rather than negotiated case by case for small merchants. We are not going to quote a number here that we might have to change.

Who actually holds the money?

Settlement runs through licensed partner institutions. That relationship is set out properly with every merchant before they take a single payment.

Want to be in the first group of merchants?