PesaBridge

For retail & merchants

Accept payments and settle instantly.

Give merchants Till, Pay Bill and QR acceptance with prompt-to-pay, instant settlement to a wallet, and a customer scan-&-pay experience.

Why retail & merchants choose PesaBridge

Cash is risk and reconciliation is a daily chore. Customers want to pay by phone, instantly. PesaBridge gives merchants Till, Pay Bill, QR and prompt-to-pay acceptance with instant settlement to a wallet, plus a customer scan-&-pay experience that speeds checkout. Multi-outlet businesses get one view of sales and settlement.

Behind the till, products and inventory, refunds, staff operators and sales reports come built in, and the same acceptance is available over the API for online and billing flows. Less cash to handle, faster checkout, and same-day liquidity.

The challenge

What gets in the way.

  • Cash handling is risky and reconciliation eats the day.
  • Customers expect to pay by phone — instantly and without fees friction.
  • Multi-outlet businesses need one view of sales and settlement.

Outcomes

  • Less cash, less risk
  • Faster checkout
  • One view of every outlet
Talk to us

How PesaBridge helps

What you switch on for retail & merchants.

01

Accept anywhere

Till, Pay Bill, QR and prompt-to-pay that lands on the customer's phone.

02

Instant settlement

Funds settle to the merchant wallet, ready to withdraw or pay suppliers.

03

Scan & pay

Customers scan items and pay from their wallet for fast checkout.

04

Back office

Products, refunds, staff and sales — across every outlet.

How it works

How money moves.

Every step settles on the same balanced ledger — cash in, wallet, payments, cash out — across apps, USSD and agents.

STEP 1

Cash in

A customer deposits cash with an agent. Agent float debits, the wallet credits — balanced.

STEP 2

Wallet

Value lands in a stored-value wallet on the double-entry ledger, PIN- and KYC-gated.

STEP 3

Send & pay

Send to another wallet, Pay Bill, Buy Goods by QR or STK, buy airtime — instantly.

STEP 4

Cash out

Withdraw at any agent; the agent float credits and the wallet debits.

How customers transact

The flows retail & merchants run most.

Switch between the journeys that matter to your segment. Every one checks balance and limits, then waits for PIN or biometric authorisation before a single entry hits 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

Build vs. PesaBridge

Why not build it yourself?

You could. Here's what each piece costs in time and risk when you start from zero — versus switching it on.

Capability
Build it yourself
With PesaBridge
Balanced double-entry ledger
Months of careful engineering — and the riskiest part to get wrong
Out of the box, reconciled to zero
KYC tiers, limits & AML
Build, test and certify yourself
Configurable, regulator-ready
Agent & float network
Design float, commissions, reconciliation from scratch
Full agent / super-agent engine
USSD channel
Integrate a gateway and build the menu engine
Whole wallet over USSD, included
Native apps (User/Agent/Merchant/Corp)
Four apps × two platforms to build & maintain
Shipped, themed from your brand
Developer API & webhooks
Design, document, secure and version it
OAuth2, sandbox, signed webhooks
Rail integrations
One-off builds per provider
Pluggable adapters
Time to market
12–24 months, large team
Weeks

More solutions

Built for whoever launches mobile money.

Banks & neobanks

Launch a mobile wallet and agent network without re-platforming your core.

Explore

Telcos & MNOs

Turn airtime and SIM reach into a full mobile-money business under your brand.

Explore

Fintechs & PSPs

Skip years of ledger work — build your product on a balanced core and open API.

Explore

Microfinance & SACCOs

Wallets, loans, savings and group finance for members, on phone and feature phone.

Explore

Governments & NGOs

Disburse to thousands with maker/checker controls, audit trails and reconciliation.

Explore
0+

Countries you can launch in

0

Native apps, one platform

0

Channels — App · USSD · Web · API

0%

Double-entry, always balanced

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