Retailers and e-commerce platforms in Africa face constant pressure from cash dependency, high card processing fees, and settlement delays that strain cash flow. Many smaller merchants cannot afford POS devices or complex integrations, which limits their ability to serve customers who expect seamless digital payment experiences. For shoppers, the lack of secure and convenient payment options often leads to abandoned purchases or reliance on cash-on-delivery, which carries additional risk.
Mony enables retailers and online businesses to accept payments instantly via QR codes, payment links, or in-app integrations. Merchants receive settlement in real time directly into their wallets, eliminating the wait times and costs associated with traditional card processors. For e-commerce providers, Mony also supports split payments and digital receipts, ensuring smoother checkout flows and better reconciliation.
The result is a stronger ecosystem for both merchants and customers. Retailers and e-commerce operators improve their liquidity, lower their payment costs, and integrate loyalty or cashback directly into every transaction. Customers enjoy faster checkouts, secure digital payments, and rewards that make them more likely to return, turning one-time buyers into loyal repeat shoppers.
