Fintech & Payments
Let any merchant take digital payments with no card machine and no app
One universal code, or a simple phone menu, so even cash first merchants get paid digitally.
Situation
Merchants were losing sales because paying meant cash, a card machine they could not afford, or an app the customer did not have. Reaching the cash first majority needed a way to pay with no hardware and no app that still settled instantly.
Action
I rolled out one universal QR code with a simple phone menu fallback, so any customer, on any phone, from any bank or wallet, can pay by scanning or dialling. The money routes over the national rails and reconciles to the merchant automatically.
Impact
Even feature phone, cash first merchants can now take instant digital payments, with no machine to buy and clean settlement at the end.
Insight
Reaching the cash first majority is not a nice to have. It is often where most of the volume actually is.
Where it ran
GhQR (universal QR) + USSD, settled over MMI / GIP
Figures for this engagement are available on request.
Let's talk about your platform.
Fully remote worldwide, open to global opportunities. Working across US and EU time zones from Accra, Ghana.