Merchant Payments
Make Digital Acceptance Work for Every Merchant
For many small and medium-sized businesses, conventional payment acceptance remains expensive, complex or inaccessible.
ARAMANTEC develops merchant payment propositions that reduce barriers to acceptance while giving businesses better visibility and control over their transactions.
What we build
- Static and dynamic QR payments
- Consumer-to-merchant wallet payments
- Merchant wallets and settlement accounts
- SoftPOS and mobile acceptance
- Payment links and remote-payment journeys
- Merchant onboarding and verification
- Transaction and settlement reporting
- Refund and reversal management
- Merchant dashboards
- Offers, loyalty and customer engagement
- API integration with acquirers, banks and payment networks
- Business-payment and collection services
The commercial opportunity
Merchant acceptance can create several connected value streams, including transaction fees, merchant services, settlement services, business wallets, loyalty, working-capital solutions and value-added digital services. The objective is not simply to process a payment. It is to build a relationship with the merchant and provide tools that help the business operate, sell and grow more effectively.
Market relevance
QR and mobile acceptance models can be particularly valuable in markets with these characteristics.
- High cash usage
- Large informal or microbusiness segments
- Low point-of-sale terminal penetration
- Strong smartphone adoption
- Fragmented merchant-payment experiences
- Demand for lower-cost acceptance
Capabilities described on this page are subject to applicable laws, licences, regulatory approvals and institutional partnerships in the relevant jurisdiction.