Payments · 11 min read
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.
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 screens
The business app, screen by screen
Captured from the live apps.
Cafés and restaurants
Push a prompt, get paid
Send a payment prompt to the customer's phone; they confirm with their PIN and the money lands in the till.
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
190+
Countries you can launch in
4
Native apps, one platform
4
Channels — App · USSD · Web · API
100%
Double-entry, always balanced
More of the platform
One core, every capability.
Further reading
Guides from the PesaBridge team
Keep exploring
Where to go next
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.
Prefer to talk? Call +254 746 883809