Onboard merchants digitally in your own app or in the app you already have through the UNIFOS Super SDK. Equip each merchant with an interoperable QR code for digital payments and Accepto SoftPOS, which turns an NFC-enabled Android phone into a POS terminal for contactless card payments, alongside traditional POS devices.
Unified Financial Operating System for Banks
Merchant Acquiring
UNIFOS Accepto not only onboards merchants digitally for payment collection into a dedicated BALANCE account, but also gives them an interoperable QR code and SoftPOS for digital and card payments, alongside traditional POS terminals, payment links and online checkout. UNIFOS processes every acquired transaction, confirms its status to the merchant, with the option to settle it instantly. Merchants track collections and settlements on dashboards and account statements in your app.
Seamless merchant onboarding
A digital account for collecting payments
Accept payments by QR code, SoftPOS and POS terminals
Transaction processing and instant settlement
Empowering banks and fintechs with an end-to-end merchant acquiring solution, from merchant onboarding to the acquisition, processing and settlement of digital and card payments into a dedicated collection account
Merchants and Agents, One Network in Your Brand
AcceptoMerchant Acceptance
Every merchant takes every payment
Sign shops, traders and online sellers from the app. They take payment however their customers pay, and every sale lands in their account with you at once.
- Dynamic QR, paid from any bank’s app
- SoftPOS: tap to pay on an NFC Android phone
- POS terminals, payment links and online checkout
- Instant settlement and a spoken notification for every sale
FunduAgency Banking
Your bank at the shop around the corner
Turn trusted neighbourhood shops into counters for your bank. Customers handle cash and everyday payments near home, without a branch visit.
- Cash deposits and withdrawals, released by a one-time code
- Bills, airtime and data at the counter
- Universal cards picked up from the agent
- Cash services only at the verified shop
Live in Four Steps
01
Sign up in the app
A business registers as a store or an agent in a few steps.
02
Verified location
The business gets its location verified digitally, in a few taps.
03
KYB
Verifyed checks the company registration, tax ID and each director’s BVN or NIN.
04
Partner portal
Dashboards show settlement and reconciliation for every payment, in one place.
Standalone banks run Accepto and Fundu in their own app on BALANCE. Super SDK banks add them to the app they already have and place the entry points where they choose.
Lasting Value for Banks Across Africa
UNIFOS creates a payment collection account on BALANCE for each onboarded merchant, held in your bank’s name. Merchant collections stay with your bank as deposits.
ScanPay enables digital payments through interoperable QR codes issued to merchants during a seamless digital onboarding. Customers scan them with their mobile banking app and pay instantly with an Instacard, a BALANCE account or another bank’s card.
Merchants start collecting contactless card payments with Accepto SoftPOS in your mobile app, on NFC-enabled Android phones. They can also request POS terminals and use payment links and online checkout.
Fundu agents offer cash deposits and withdrawals, bills, airtime and Universal card pick-up services at a shop around the corner, each agent onboarded with KYB and a verified location.
Verifyed checks each business and its directors’ BVN or NIN, and verifies the business location digitally. Sonar checks every payment for fraud and compliance.
Boost digital adoption with Rewa, a loyalty programme that credits usage-based points to a dedicated rewards account. Customers earn, track and redeem their points directly in your app.
An all-in-one merchant acquiring solution for seamless merchant onboarding, digital and card payments and instant settlement
Explore More of Our Solutions
BALANCE · Digital Banking
UNIFOS powers a full-featured digital account ecosystem: digital banking and account management for credit and prepaid cards, loans and rewards, in your own Standalone App or inside your existing app through the Super SDK.
Know More
Instacard · Virtual & Universal Cards
Issue virtual debit, credit and prepaid cards instantly. Customers pay online and contactless from the app, and link one physical Universal card to any of their virtual cards for in-store payments, relinked any time.
Know More
Ace · AI Credit Exchange
Build and scale a profitable lending portfolio with Ace. It checks every loan against your rules, an AI Checker and the credit bureau, then disburses instantly and runs repayment and collections.
Know More
Instacard DTS
With the patented Dual Transaction Service, offer instant credit through your customers’ existing debit cards, with no new card needed. Drive engagement and grow income with ease.
Know More
Verifyed · KYC & Soft Token
Verifyed makes identity verification effortless with face match, liveness detection and a soft token for two-factor authentication, so you onboard customers securely and at scale.
Know More
Rewa · Loyalty Management
Design, launch and manage loyalty programmes that reward usage, increase customer engagement and show earned points in real time. You set the rules on the Partner portal.
Know More
Frequently Asked Questions
Accepto onboards merchants digitally for payment collection into a dedicated account for your bank, held on BALANCE core banking, and gives them an interoperable QR code, SoftPOS and POS terminals for digital and card payments. UNIFOS processes every acquired transaction and confirms its status to the merchant, and each sale comes with the option to be settled instantly.
Fundu adds agents who offer cash deposits and withdrawals, bills, airtime and Universal card pick-up services at a shop around the corner. Your bank creates the merchants and agents, the platform manages them, and every payment earns revenue for your bank.
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.