From a street vendor to a chain of stores, every merchant takes every kind of payment: interoperable QR, static or dynamic; SoftPOS on any NFC Android phone; POS terminals that tap, dip and swipe; payment links; and online checkout through web and mobile SDKs. Merchants onboard themselves with KYB and a verified location in minutes, and every sale lands in a business account with your bank, with the option of instant settlement.
Unified Financial Operating System for Banks
Every Way to Get Paid, With the Option of Instant Settlement
Your customers register their shop as a merchant inside your app, pass KYB and start selling the same day
Every sale lands in the merchant’s business account with you the moment it is approved
One merchant app takes QR, SoftPOS, POS, payment links and online checkout
Terminals, limits and pricing run from the Partner portal
Contactless on Any NFC Android Phone, Every Card on a Terminal
Digital onboarding of merchants, with digital KYC and business verification
A dedicated settlement account, with the option of instant settlement
SoftPOS for accepting contactless payments
POS terminals for accepting card-present payments
Merchant onboarding
Verified Merchants, No Branch Visit
Merchants sign up in minutes and complete KYB on their own. The app shows what is verified and what is still to do.
01
Store or agent
The customer chooses a physical store or agent and registers inside your app.
02
Business account
Money from every sale lands in a business account with your bank.
03
KYB, step by step
Verifyed checks the CAC record and TIN, matches each director’s BVN or NIN and verifies the premises.
04
Money in before money out
Until the business location is verified, the account takes money in but cannot send it out.
Merchants trading in their own name accept QR and SoftPOS. POS terminals follow once KYB is complete.
Accept payments
One Merchant App for Every Channel
Each sale moves from your settlement account to the merchant’s business account the moment it is approved, so reconciliation stays simple.
Dynamic QR
The merchant enters an amount; any bank’s app pays the interoperable QR code.
SoftPOS
Tap on phone: the merchant’s own NFC-enabled Android phone takes contactless cards.
POS terminals
Tap, dip and swipe for merchants who need a terminal.
Payment links
Share a link for remote sales; the customer pays from anywhere.
Online checkout
Web and mobile checkout for merchants who sell online.
Card sales are routed one by one: your own cards stay on-us, and other banks’ cards go through NIBSS.
Turn Any NFC-Enabled Phone into a Contactless Payment Terminal
Flexible Card Payments with a POS Terminal
For busy counters and larger stores, the same merchant account takes every card on a terminal.
Tap
Dip
Swipe
- Issued after KYB, to merchants who need a terminal
- Standard ISO 8583 messaging
- Works only at the registered site
Partner portal
Every Merchant, Every Terminal, Every Sale
Your acquiring team runs Accepto from the Partner portal: merchants and their KYB, terminal requests, pricing and limits by channel, and settlement.
Merchants at a glance
Every merchant onboarded in your app, with its KYB, verified location, channels and sales today.
Terminal requests
POS requests are scored on your rules, then approved and activated by your team with a PIN.
Pricing and limits
Service charge, daily limit and settlement set per channel: QR, SoftPOS, POS and payment links.
Settlement and disputes
Settlement, agents and disputes in the same place, every change under maker-checker and signed with the UNIFOS portal PIN.
Lasting Value for Banks Across Africa
A service charge on every sale: QR, SoftPOS, POS and online.
Merchants paid instantly keep their money with you, so deposits grow with every sale.
A merchant base built from your own customers and verified in the app.
Every merchant you onboard digitally gets SoftPOS acceptance for card payments, with no hardware to ship.
Explore Other Products
- BALANCE · Digital Banking
- Digital and business accounts
- Credit card and prepaid card accounts
- Loan accounts
- Reward points and redemption accounts
- ScanPay · Pay by QR
- Any merchant’s interoperable QR, any bank
- Static and dynamic QR codes
- Instacard, BALANCE account or another bank’s card
- Checkout on merchant sites
- Fundu · Agency Banking
- Cash deposits and withdrawals
- Bills, airtime and data
- Universal card pick-up
- Verified agents only
- Instacard · Virtual & Universal Cards
- Virtual and physical card issuance
- Debit, credit, prepaid and gift cards
- Universal card
- Dynamic CVV for online payments
- Contactless payments with virtual cards
- Ace · AI Credit Exchange
- Three-way underwriting with an AI Checker
- Loan and credit card origination
- Portfolio management
- Collections and repayments
- DTS · Dual Transaction Service
- Virtual credit cards
- Credit on existing debit cards
- Collections and repayments
- Dynamic limit management
- KYC & Soft Token
- Liveness Detection
- Facial Recognition
- Business Verification
- Address Verification
- Soft Token for 2FA
- Guida · In-App Assistant
- Understands requests in multiple languages
- Guides customers through every product
- Tickets for disputes, tracked to resolution
- Rewa · Loyalty Management
- Customised reward programmes
- Reward points and redemption accounts
- Points, cashback and tiers
Frequently Asked Questions
They self-onboard in minutes in your app and start collecting contactless payments with SoftPOS on NFC-enabled Android phones. Once KYB is complete, merchants can request POS terminals, scored on rules you define.
Launch the Future First
Launching a digital bank? Adding products to your app? Get your own mobile bank in your brand, or the UNIFOS Super SDK inside your app. Tomorrow’s banking, live today. Launch in weeks, on a revenue share.