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Merchant Integration

Overview

ACBU enables merchants to accept payments from customers across 10 African countries without forex exposure.

Value Proposition for Merchants

Benefits

  • Accept one currency (ACBU) from all 10 countries
  • Lower fees (0.2% vs 2-3% card fees)
  • No currency conversion needed
  • Simplified accounting
  • Instant settlement (3-5 seconds)
  • No forex risk exposure

Target Merchants

E-commerce Platforms

  • Jumia
  • Konga
  • Takealot
  • Regional marketplaces

Service Providers

  • Hotels
  • Airlines
  • Restaurants
  • Retail stores

Payment Processors

  • POS systems (Yoco, Amplify)
  • Online payment gateways

Integration Methods

1. Payment Gateway SDK

  • JavaScript/React SDK
  • Easy integration for web merchants
  • QR code generation
  • Payment status callbacks

2. QR Code Payments

  • Works offline
  • Mobile wallet scanning
  • Instant settlement
  • Low infrastructure requirements

3. POS Integration

  • Compatible with Yoco, Amplify
  • In-store payments
  • Receipt generation
  • Transaction history

4. Mobile Money Interoperability

  • Integration with mobile money systems
  • Accept payments via mobile money
  • Convert to ACBU automatically
  • Seamless user experience

Merchant Onboarding

Requirements

  1. Business registration
  2. KYC verification
  3. Bank account or mobile money account
  4. Integration setup (SDK or API)

Process

  1. Merchant applies for ACBU acceptance
  2. KYC verification
  3. Integration setup (technical support provided)
  4. Test transactions
  5. Go live

Settlement Options

Option 1: ACBU Balance

  • Merchant receives ACBU
  • Can hold ACBU for future use
  • No conversion needed
  • Earn yield on ACBU balance (future feature)

Option 2: Local Currency Withdrawal

  • Merchant withdraws to local currency
  • 0.2% merchant fee
  • Instant settlement
  • Funds appear in merchant account

Option 3: Automatic Conversion

  • Automatic conversion to local currency
  • Daily batch settlement
  • Reduced fees for high-volume merchants

Merchant Dashboard

Features

  • Transaction history
  • Settlement status
  • Revenue analytics
  • Multi-currency reporting
  • Payment links generation
  • QR code management

Pricing

Merchant Fees

  • Accept ACBU: 0.2% per transaction
  • Withdraw to local currency: 0.3% (if not included in merchant fee)
  • API access: $500/month (premium tier)

Comparison

  • Card payments: 2-3% fees
  • ACBU payments: 0.2% fees
  • Savings: 90%+ reduction in fees

Goals

Phase 1: Payment Infrastructure (Year 1-2)

  • Goal: 100,000 merchants accepting ACBU
  • Focus: E-commerce platforms, major retailers
  • Incentive: Lower fees than card payments (0.2% vs 2.5%)

Phase 2: Financial Services (Year 2-3)

  • ACBU savings products for merchants
  • Merchant lending (ACBU-denominated)
  • Enhanced analytics and reporting

Phase 3: Ecosystem Lock-In (Year 3+)

  • Network Effect:
    • "I accept customers from 10 countries"
    • "No forex risk, instant settlement"
    • "Pan-African customer base"

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