Retail & markets

Sell when the network is down. Settle when it's back.

Customers pay by bank transfer to an account number for the till, from a wallet, or phone to phone with no network. When the signal drops, your phone keeps taking offline payments, and every sale settles once a device is back online.

The problem

What teams like yours tell us.

“The network goes at the busiest hour.”

The queue grows, customers walk away, and the sale goes to the stall with cash.

“Transfers are hard to check.”

A screenshot is not a payment, and confirming each transfer by hand slows the till.

“Every till needs its own reconciliation.”

Stalls, tills and riders each report differently at close of day.

One flow, drawn

How the money moves.

  1. Customer paysPhone to phone, no signal needed
  2. Held on the phonesSigned by both devices
  3. Back onlineThe payments upload and settle
  4. SettledTo your account
ExampleIllustrative

A provisions store in Onitsha market

On a Saturday the network drops for two hours. The store keeps taking offline payments, phone to phone, within each customer's loaded value: 140 sales worth ₦612,000. When the signal returns, the payments upload and every sale settles to the store's account.

Not a customer. Figures are made up to show the flow.

With Bridge Payments

Take payments for it with our gateway.

The Bridge Payments products this sector uses, on the same account.

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