PesaBridge

Merchant payments

Accept payments, settle instantly.

Till, Pay Bill and QR acceptance, plus prompt-to-pay — a push charge that lands on the customer's phone to confirm with a PIN — settling to a merchant wallet.

In depth

Merchants accept money the way their customers want to pay: a Till or Pay Bill short-code, a QR code, or prompt-to-pay — a push that lands on the customer's phone to confirm with a PIN, no app switching. Funds settle to the merchant's wallet in real time, ready to withdraw or pay suppliers the same day.

Behind the counter, the merchant app handles products and inventory, scan-to-sell, refunds and reversals, multiple staff operators and sales reporting, with one view across several outlets. The same acceptance is available over the API, so an e-commerce or billing system can request and confirm a payment programmatically.

Why it matters

Built to be trusted.

  • Prompt-to-pay (STK) confirms on the customer's phone, no app switching.
  • Funds settle to the merchant wallet, ready to use immediately.
  • Refunds, products and multi-outlet sales in one back office.

Outcomes

  • Less cash to handle
  • Faster checkout
  • Same-day liquidity
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What's inside

Merchant payments — in detail.

01

Till & Pay Bill

Classic short-code acceptance for any business.

02

QR

Scan-to-pay for fast, contactless checkout.

03

Prompt-to-pay

Push a charge; the customer confirms with a PIN.

04

Settlement

Instant settlement to the merchant wallet.

Real flows

How it works in practice.

Switch between the journeys this capability handles. Each one checks balance and limits, then waits for PIN or biometric authorisation before posting balanced entries to the ledger.

Pay a merchant by QR

Customer-scanned QR acceptance with settlement straight to the merchant's bank.

Authorised with PIN or biometric — nothing posts to the ledger until the customer confirms.
  • Balance & limit checked first
  • Validation / authorisation gate
  • Balanced debits & credits posted
Customer
System
CustomerScan the merchant QR
01
02
SystemResolve merchant till & name
CustomerConfirm the amount
03
04
System · validatesValidate merchant, balance & limits
Customer · validatesAuthorise — PIN or biometric
05
06
SystemDebit payer, credit merchant
07
SystemQueue settlement to the bank
08
SystemReceipt to payer · alert to merchant
System · donePaid · merchant notified
Step Validation / PIN Completed
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Countries you can launch in

0

Native apps, one platform

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Channels — App · USSD · Web · API

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Double-entry, always balanced

More of the platform

One core, every capability.

Stored-value wallets

A double-entry ledger at the core — every cent balanced and audited.

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Agent & super-agent network

Cash-in / cash-out, float distribution, commissions and field onboarding.

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Developer API

OAuth2 keys, a sandbox, STK push and signed webhooks.

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USSD & offline

The full wallet on a feature phone, multilingual — reach everyone.

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White-label & global

One core, your brand. Currency, language, rails and KYC are configuration.

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Ready to launch your wallet?

Book a demo and we'll stand up your brand, country and rails — and walk you through the apps, admin and API.

Book a demo Test drive first