E-commerce acquiring, POS integration, merchant onboarding, settlement management, and payment method orchestration for merchants in Cabo Verde and Africa.
Full online payment acquiring with hosted payment pages, API integration, and support for cards, mobile money, and alternative payment methods.
UnifiedPOS terminal integration for retail environments with support for card-present transactions, contactless payments, and QR code payments.
Streamlined merchant registration with KYB verification, risk assessment, and automated merchant account provisioning with configurable fee structures.
Automated settlement processing with configurable schedules, multi-currency settlement, split payments, and real-time merchant reporting and reconciliation.
The Commerce Module enables financial institutions to offer merchant acquiring services — from onboarding and payment processing through settlement and dispute management. For institutions serving the growing e-commerce market across Cabo Verde and the broader Lusophone African space, this module provides the complete infrastructure to become a payment facilitator or acquirer without building acquiring technology from scratch.
Payment method orchestration is the module's distinguishing capability. Rather than routing all transactions through a single acquirer, the Commerce Module can distribute transactions across multiple acquiring banks based on cost, card type, geography, and success rate. This multi-acquirer routing increases authorization rates by 5-15% compared to single-acquirer setups, directly increasing merchant revenue and satisfaction.
The module includes pre-built e-commerce plugins for major platforms, POS terminal integration for physical retailers, and marketplace payment support for platform businesses. Settlement management with automated reconciliation, chargeback handling workflows, and recurring billing make the Commerce Module a complete merchant services platform that institutions can deploy rapidly to capture the growing digital payments opportunity in emerging markets.
Digital merchant onboarding with KYB verification, business document collection, and risk classification. Automated onboarding reduces merchant activation from weeks to hours, with configurable risk tiers that determine processing limits and monitoring intensity.
Multi-acquirer routing based on card type, geography, transaction amount, and historical success rates. Intelligent routing increases authorization rates by 5-15% by directing each transaction to the acquirer most likely to approve it.
Full POS terminal support for in-store payments including card-present, contactless, and QR code transactions. Integration with leading POS terminal providers and softPOS solutions for mobile-first merchant environments.
Pre-built payment plugins for WooCommerce, Shopify, Magento, and custom integrations via JavaScript SDK and server-side APIs. Merchants can accept payments online within hours, not weeks, with hosted payment pages and seamless checkout experiences.
Automated settlement processing with configurable schedules — daily, weekly, or monthly — per merchant. Multi-currency settlement with FX conversion at point of settlement, and automated reconciliation between acquiring bank settlements and merchant payouts.
Structured chargeback management with automated case creation, evidence collection, response submission, and representment workflows. Chargeback ratio monitoring per merchant triggers alerts and risk reviews before ratios reach scheme-mandated thresholds.
Real-time transaction fraud screening using rule-based and ML-powered detection. Configurable risk thresholds trigger transaction blocking, manual review, or 3DS challenges. Fraud screening is applied before authorization to prevent fraudulent transactions from reaching the payment network.
Subscription and recurring payment support with secure tokenized card storage. Handles automatic rebilling, failed payment retries, and card update management for seamless recurring revenue operations. Supports both fixed and variable amount billing cycles.
Multi-seller marketplace payment processing with automated split payments between marketplace operator and sellers. Supports escrow, delayed capture, and partial capture workflows for marketplace business models.
Automatic splitting of single payments across multiple beneficiaries — platform fees, seller proceeds, tax withholding, and commission distributions. Split rules are configured per marketplace and applied consistently to every transaction.
Support for local and alternative payment methods beyond cards — mobile money, bank transfers, digital wallets, and buy-now-pay-later options. Expanding accepted payment methods increases conversion rates by 10-20% in markets where card penetration is low.
Comprehensive merchant dashboard showing transaction volumes, authorization rates, settlement schedules, chargeback ratios, and revenue analytics. Merchants access real-time insights into their payment performance, reducing support inquiries and improving operational transparency.
Every processed transaction generates merchant discount rate (MDR) revenue. Typical MDR rates of 1.5-3% per transaction create a growing revenue stream that scales with merchant transaction volumes. A portfolio of 500 active merchants averaging EUR 50,000/month generates substantial recurring income.
Multi-acquirer routing directs each transaction to the acquirer most likely to approve it, increasing authorization rates by 5-15%. For merchants, this means more sales; for the institution, it means higher processing volumes and revenue from transactions that would otherwise be declined.
Digital onboarding reduces merchant activation from 2-4 weeks to 24-48 hours. Faster activation means merchants start processing sooner, generating revenue from day one. The reduced friction also increases merchant acquisition rates as businesses choose the fastest path to accepting payments.
Proactive chargeback monitoring and automated representment workflows reduce chargeback losses by 30-40%. Merchants stay below scheme-mandated chargeback thresholds, avoiding fines and potential account termination that would result in lost revenue.
Tokenized payment processing keeps cardholder data off merchant systems, reducing their PCI DSS compliance burden to SAQ-A level. Merchants accept payments securely without needing their own PCI audits, removing a major barrier to merchant acquisition.
The platform handles from 100 to millions of transactions per month without infrastructure changes. Multi-acquirer routing and horizontal scaling ensure that adding merchants never degrades processing performance or authorization rates.
Comprehensive REST API for payment initiation, refund processing, and merchant management. Webhook notifications deliver real-time transaction events — authorization, settlement, chargeback — to merchant systems for seamless integration with order management workflows.
All card data is tokenized at the point of entry, ensuring sensitive cardholder data never touches merchant servers. This dramatically reduces merchant PCI DSS compliance scope and eliminates the risk of card data breaches at the merchant level.
Intelligent transaction routing across multiple acquiring banks with configurable rules based on BIN range, card type, amount, currency, and geographic origin. Routing decisions are made in under 50ms, adding no perceptible latency to the payment flow.
JavaScript SDK for custom checkout integrations and hosted payment page for merchants without development resources. Both options provide the same tokenized security, 3DS2 authentication, and alternative payment method support without requiring merchant-side compliance work.
A Cabo Verde tourism booking platform needed to accept payments from international tourists in EUR, USD, and GBP. Existing payment options required tourists to use bank transfers, resulting in a 60% booking abandonment rate at checkout.
Paymart Suite Commerce Module enabled card payments via a hosted payment page with multi-currency support and 3DS2 authentication. Booking abandonment dropped from 60% to 18%, and the platform processed EUR 2.5M in bookings within the first 6 months. Tourists from 40+ countries now pay instantly with their cards.
A marketplace connecting Cabo Verdean artisans with European buyers needed to split each payment between the artisan seller, the marketplace commission, and shipping fees. Manual payment splitting was error-prone and delayed seller payouts by weeks.
Paymart Suite split payment automation handles every transaction with pre-configured rules: 80% to artisan, 15% marketplace commission, 5% shipping partner. Sellers receive payouts within 24 hours instead of 2-3 weeks. The marketplace grew from 50 to 200 sellers in 4 months, with transaction volumes tripling.
A retail chain with 15 stores across Cabo Verde needed unified payment processing with consolidated settlement. Each store used different payment providers, creating reconciliation nightmares and inconsistent customer experiences.
Paymart Suite unified all 15 stores under a single merchant account with per-location reporting. POS terminals in each store connect to the same platform, with next-day consolidated settlement to the company's central account. Reconciliation time dropped from 3 days to 2 hours, and the chain achieved an average 8% higher authorization rate through multi-acquirer routing.