Merchant & Agent Platforms
Build and manage networks of merchants, agents, and service points
Enable businesses to onboard, manage, and operate networks of merchants accepting payments or agents providing cash services. From point-of-sale to cash-in/cash-out networks, this solution supports the full lifecycle of merchant and agent operations.
Who This Solution Is For
We believe in honest qualification. This solution is designed for specific use cases—not everything.
Designed For
- Payment service providers building merchant acquiring networks
- Mobile money operators with agent cash networks
- Banks with merchant services or agent banking programs
- Fintechs enabling SME payment acceptance
- Distributors managing retail or agent networks
Not Designed For
- Direct-to-consumer payment products without merchant/agent networks
- E-commerce platforms without physical presence
- Pure software POS without backend infrastructure needs
What You Can Launch
Concrete use cases enabled by this solution—focused on outcomes, not features.
Merchant Payment Acceptance
Enable merchants to accept digital payments via QR, NFC, or integrated POS systems.
Agent Cash-In/Cash-Out Networks
Power agents who handle deposits, withdrawals, and bill payments for customers.
Merchant Onboarding & KYC
Streamline merchant registration with automated verification and compliance checks.
Commission & Settlement Management
Calculate, track, and settle commissions for merchants and agents automatically.
Network Performance Monitoring
Track agent/merchant activity, performance, and compliance across your network.
Core Capabilities
Key capabilities grouped by responsibility area—what this solution enables for your business.
Customer-Facing Capabilities
- Merchant and agent onboarding portals
- Transaction acceptance and processing
- Commission visibility and reporting
- Device and terminal management
Operational & Control Capabilities
- Network hierarchy and territory management
- Float and liquidity management
- Fraud monitoring and controls
- Compliance and audit workflows
Settlement & Lifecycle
- Automated settlement and reconciliation
- Commission calculation and disbursement
- Merchant/agent lifecycle management
Optional & Integration-Dependent Components
Additional capabilities that may apply depending on your specific requirements and context.
External Providers
Third-party services that can be integrated
- POS hardware and terminal providers
- Payment scheme and acquirer connections
- KYC and business verification services
- Mapping and geolocation services
Dependencies
Core infrastructure requirements
- Payment processing infrastructure
- Account and ledger management
- Notification and communication services
Region-Specific
Geographic and regulatory considerations
- Local payment scheme certifications
- Agent banking regulatory requirements
- Tax and withholding configurations
Network capabilities depend on payment scheme partnerships, device integrations, and local regulations.
How This Solution Uses the Platform
Merchant and agent platforms leverage core platform products for identity, transactions, and operations management.
Security & Compliance
Security is built into every layer of this solution. Here are the key controls and compliance considerations.
View Full Security DetailsSecurity Highlights
- Merchant and agent identity verification
- Transaction limits and velocity controls
- Fraud detection and prevention
- Audit trails for all network operations
- Role-based access for network management
- PCI-DSS compliance for card acceptance
Delivery & Rollout Considerations
Our approach to implementation focuses on phased delivery and realistic scoping.
Phased Approach
Merchant/agent platform rollouts typically begin with core onboarding and transaction acceptance, followed by advanced features like commission management and network analytics.
What Affects Scope
- Network size and geographic distribution
- Payment method and scheme requirements
- Device and terminal integration complexity
- Commission and settlement model complexity
- Existing system migration needs
Rollout timelines depend on partner integrations, device deployments, and network scale.
Ready to Explore Merchant & Agent Platforms?
Let's discuss how this solution can support your business goals. Our team is ready to understand your requirements and explore what's possible.