One integration, every way a customer pays
A small business rarely sells in one place. The same merchant takes a card at the counter, a QR code from a regular, a bank transfer from a wholesale buyer and a payment link from someone who called. Each of those usually means another provider, another settlement cycle and another reconciliation problem.
Digital Payments puts them behind one integration and one settlement account.
Acceptance channels
Point of sale. Card present payments on a terminal, with contactless and chip and PIN. Terminals report to the same dashboard as every other channel.
Online checkout. A hosted checkout for merchants without a developer, and an API for those who have one. Both support the card networks and the local wallets a market expects.
QR. Domestic QR schemes where they exist, which in several markets is how most consumers now pay.
Invoices and links. For businesses that sell by conversation rather than by catalogue: send a link, get paid, see it land in the same ledger.
Settlement
Funds settle to a commercial account held with a licensed bank partner in the merchant's own market and currency. Settlement timing depends on the scheme and the market; same-day is available in some, next-day in others.
Every payout carries the transactions that make it up, so a bookkeeper can tie a bank line back to the sales behind it without exporting three reports.
Disputes and refunds
Refunds are issued from the same dashboard, in full or in part, against the original transaction. Chargebacks arrive with the scheme's reason code and the evidence window, and the response goes back through the same screen.
What it costs
Pricing is per transaction and varies by channel, scheme and market. There is no monthly platform fee for the standard product.
Getting started
Merchant onboarding is digital, with KYB and KYC handled in the flow. Most merchants are activated without a site visit, though some categories and some markets require additional checks.