Merchant Onboarding

Merchant Onboarding with E-Pay

E Pay merchant onboarding system illustration

Seamless Onboarding

E Pay is built to reduce friction and time-to-market for merchants.

  • Self-service onboarding for quick setup or assisted onboarding for enterprise clients
  • Upload KYC documents, verify business details, accept terms, and go live in < 48 hours
  • Tiered onboarding for low-risk vs high-risk merchants.

Tools & Documentation

  • API-driven architecture with full sandbox / test environment
  • SDKs for PHP, Node.js, Python and WooCommerce plugins
  • Easy front-end integration via drop-in checkout widgets or hosted payment pages
  • Smart routing, split settlements, webhooks and chargeback management

Hardware for On-the-Ground Merchants

  • NFC-enabled terminals, mPOS devices, QR scanners
  • Chip & PIN, contactless and receipt printers
  • Direct delivery and local support for hardware setup

Pricing models

We use a pay-as-you-use model that suits startups and scale-ups alike.

  • 0 monthly fees for basic usage
  • Low MDR (Merchant Discount Rate) on transactions based on industry and volume
  • Custom pricing tiers for enterprise and high-risk merchants
  • Hardware is available for rental or once-off purchases
  • Volume discounts and API pricing for platform partners

Pricing Model

Service Pricing Model
Wallet Top-up (EFT / Card)
Crypto Deposit
Merchant Checkout
Bill Payment Commission
Voucher Purchase
POS Terminal Rental
Hardware Purchase (Once-off)

User Journeys: Simplified Experience

For the Everyday Consumer

  1. Sign-up & verify phone / email
  2. Fund wallet via EFT, Card or Crypto
  3. Buy airtime, pay bills, shop in E Mall or request payments
  4. Track usage, transaction history and set auto-reminders

For Merchants & Vendors

  1. Onboard with verified documentation
  2. Integrate POS or plug into E Mall
  3. Accept payments in-store, online and at events
  4. Manage payouts, refunds and reporting in real-time

For Event Organizers

  1. Create an event with E Pay ticketing
  2. Issue digital / NFC tickets
  3. Set-up E Pay terminals for onsite payments
  4. Monitor real-time dashboards: sales, access, wallet usage