Merchant Payments

Let your Customers Pay Anywhere

Unlock flexible payment options that give your customers the freedom to pay anytime, anywhere - all through a single, seamless platform.

About Merchant Payments

Today’s businesses need payment systems that are fast, flexible, and available around the clock. With cGrate’s Merchant Payments solutions, banks, merchants, and their customers no longer have to contend with long queues, limited payment options, or costly reliance on cash.

Our locally designed platform helps merchants deliver a better, faster, always-on customer shopping experience. For banks and financial institutions, this translates into increased revenue through merchant growth, reduced operational costs with automated reconciliations, and lower risks and expenses linked to cash handling.

From mobile POS devices to self-service terminals, merchant apps, and seamless system integration, cGrate provides a one-stop service to process payments securely and efficiently.

Mobile POS devices: Enable flexible payment processing on the go.

Self-service terminals: Offer customers a quick, hassle-free payment experience.

Merchant apps: Simplify payment processing with dedicated apps for easy management.

Seamless system integration: Ensure smooth, efficient operations by integrating directly with your existing systems.

This allows businesses of all sizes to scale faster and serve customers better.

cGrate Self service terminal

Features of Our Merchant Payments Platform

Our merchant payment solutions are built for Africa’s realities and designed to help businesses and banks grow faster, reduce costs, and serve customers better. Here’s why merchants choose us:

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Multiple payment options on a single device or platform

Accept mobile money, cardless bank payments, QR codes, and card transactions,  all through one POS device, self-service terminal, merchant app, or direct system integration.

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Innovative self-service solutions

Enable 24/7 payments beyond business hours through smart terminals for toll gates, vending, retail checkout, and restaurants.

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Customisable for business operations

Our platform can double as a point-of-sale till by linking directly to your inventory system, so you have a single view of stock and sales.

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Seamless integration

One integration gives banks and merchants access to multiple payment options, eliminating the need for multiple vendors or systems.

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Fast and secure transactions

High-capacity systems which can process thousands of transactions per second with near-perfect success rates.

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Real-time, automated reporting

Customisable transaction reports are available instantly via secure FTP, email, the cGrate portal, or automated reconciliations, giving you better oversight and reducing admin.

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Access to merchant loans

Merchants can access short-term loans to bridge cash flow gaps and keep operations running smoothly.

Multiple Ways to Pay: Mobile, QR, Card & More


Give customers the freedom to choose how they want to pay. With cGrate’s Merchant Payments platform, merchants can accept payments seamlessly across mobile, QR, card, and more - all through one secure, integrated system.

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Real-time Transaction Reporting

Our secure payment platform gives merchants real-time access to transaction data, which can be customised for reporting and used to monitor payments as they are processed. With real-time tracking and reporting, merchants gain better oversight, enhanced risk management, and an improved customer experience.

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Seamless Integration

No matter the size of the merchant, whether an established or small business, our platform aggregates multiple services into one flexible, integrated payment system suited to your unique needs and customer profile.

Innovative Self-Service Payment Solutions

Let customers select the groceries, garments or goods they want to buy and then check out at a self-service terminal. Multiple payment options reduce queues, speed up transactions, and keep customers in control.

Restaurant

Order, Pay, and Enjoy.
No wait, just great service

Customers can conveniently and efficiently order and pay via a terminal or mobile app, reducing waiting time. Orders placed by customers are directly sent to the kitchen reducing the need for human capital to take orders.

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Vending

Grab and Go.
Fast, cashless purchases

Self-service vending solutions enable cashless purchases at various locations, including filling stations, laundry marts, and EV charging stations, offering customers a seamless, modern payment experience.

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Retail

Effortless Checkout.
Customers in control, every time

Let customers select the groceries, garments or goods they want to buy and then check out at a self-service terminal. Multiple payment service points  reduce queues, speed up transactions, and keep customers in control.

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Bill payments

Manage Your Bills at your own pace, anytime, anywhere

Make bill payments simple  - from electricity and water to TV and insurance - let customers pay at a self-service terminal. Convenient access points help customers manage recurring expenses in their own time, without waiting in line.

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Toll gate

Skip the Lines, Pay Instantly.
Smooth travel ahead

Our automated toll solutions instantly identify vehicles and process payments via card, mobile money, or cardless banking. Drivers move quickly through tolls without cash or attendants, reducing congestion and improving traffic flow.

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Get in touch

Contact us to find out more about licensing opportunities
and promoting cashless societies in Africa.

Contact us to find out more about licensing opportunities and promoting cashless societies in Africa.