IN-PERSON PAYMENTS

Integrated payment at POS

Our industry-leading payment platform provides our merchants with complete peace of mind while enabling solutions that reduce cost, increase efficiency, and contribute to a seamless and modern customer experience.

We take care of the complexities of payment processing and provide an intuitive, real-time view of your payments, settlement reconciliation, and retail footprint.

Our solutions are device-agnostic, bank-agnostic, and enable an expanding ecosystem of ‘closed-loop’ and digital payment providers, all integrated directly to your point of sale.

SERVICES WE ENABLE AT POS
IN-PERSON PAYMENTS

Android POS/mPOS

Smart POS devices have enabled merchants to break free of the traditional checkout process to create a rich experience for their customers. Whether this means enabling ordering on a device in a restaurant, accepting payment on delivery, capturing customer feedback after payment, or queue-busting in store, it is clear that mobility solutions are a new frontier for customer-centric innovation.

Our wide range of supported Android POS devices arrive pre-integrated directly to our payment platform, so that all devices within our merchants’ environments connect to a single interface. Seamless integration to a unified platform enables efficient operational and financial management.

IN-PERSON PAYMENTS

Contactless (Tap & QR)

The world has changed. Contactless payment solutions are now a must for merchants, regardless of whether they are a multi-lane retailer or a single store.

The Transaction Junction integrated solution comes out-the-box with support for NFC, and supported devices display our generic QR code directly on the screen.

The TJ QR is integrated into a growing number of transactional solutions:

IN-PERSON PAYMENTS

P2PE

While our competitors are PCI compliant, most do not offer P2PE (point-to-point encryption). In fact, Transaction Junction is the only fully validated P2PE provider in South Africa.

P2PE is a security innovation which reduces security costs and PCI overhead for our merchants, and removes risk by encrypting card data at the point of entry.

P2PE has become a must-have for merchants, as cost and risk associated with a non-compliant solution are simply too high.

IN-PERSON PAYMENTS

POS providers

We have spent years developing integrations with all the most popular point-of-sale solutions, and new integrations are being done all the time.

Arch Retail
Spinnaker Software / Arch Software
FMCG
Cow Hills
Cow Hills
Retail
Arch Retail
Spinnaker Software / Arch Software
FMCG

Is your POS not on this list?

IN-PERSON PAYMENTS

Powerful reconciliation

Often, we see competitors simply process payments and consider the job done. It isn’t. We understand that the complexity often lies in reconciling what took place at point of sale and what was settled. We save our clients time and money by making it possible to resolve exceptions without a manual matching process.

Transpector 5 provides our merchants with transactional analytics, and settlement reconciliation and exception reports across all settlement partners, making administration and customer support simple and easy.

IN-PERSON PAYMENTS

VAS & Loyalty

We process more VAS transactions than any other payment processor in South Africa. While our competitors often charge to enable their merchants to sell airtime, electricity, and other VAS, our merchants can access these services, integrated to their point of sale, from day one at no additional cost.

In addition to selling VAS, we also enable our merchants to reward their customers with airtime instantly at point of sale, based on predefined rule sets.

VAS is not only a revenue stream for our merchants, but also drives key business objectives, such as basket value increase and repeat purchases.

ONLINE PAYMENTS

Seamless checkout

Paying online should be a seamless, frictionless experience. This increases conversion, customer satisfaction, and brand affinity. Removing friction points in the payment journey is personal for us, and our checkout process is designed for this very purpose.

Our UI is simple, customisable, and clean, and customers can easily save a card to enable one-click payments. Importantly, our payment gateway supports embedded checkout, URL redirect, and API integration, so our merchants can decide how much of the checkout process they control.

SERVICES WE ENABLE AT POS
ONLINE PAYMENTS

Developer first

Smart POS devices have enabled merchants to break free of the traditional checkout process to create a rich experience for their customers. Whether this means enabling ordering on a device in a restaurant, accepting payment on delivery, capturing customer feedback after payment, or queue-busting in store, it is clear that mobility solutions are a new frontier for customer-centric innovation.

Our wide range of supported Android POS devices arrive pre-integrated directly to our payment platform, so that all devices within our merchants’ environments connect to a single interface. Seamless integration to a unified platform enables efficient operational and financial management.

ONLINE PAYMENTS

Payment methods

The world has changed. Contactless payment solutions are now a must for merchants, regardless of whether they are a multi-lane retailer or a single store.

The Transaction Junction integrated solution comes out-the-box with support for NFC, and supported devices display our generic QR code directly on the screen.

The TJ QR is integrated into a growing number of transactional solutions:

ONLINE PAYMENTS

Subscriptions and recurring payments

We have spent years developing integrations with all the most popular point-of-sale solutions, and new integrations are being done all the time.

Arch Retail
Spinnaker Software / Arch Software
FMCG
Cow Hills
Cow Hills
Retail
Arch Retail
Spinnaker Software / Arch Software
FMCG

Is your POS not on this list?

ONLINE PAYMENTS

Stability

Often, we see competitors simply process payments and consider the job done. It isn’t. We understand that the complexity often lies in reconciling what took place at point of sale and what was settled. We save our clients time and money by making it possible to resolve exceptions without a manual matching process.

Transpector 5 provides our merchants with transactional analytics, and settlement reconciliation and exception reports across all settlement partners, making administration and customer support simple and easy.

INNOVATIONS

Bespoke payments innovations

Owning our own software stack enables us to innovate at a much faster rate than most providers. This allows us to provide our clients with bespoke payments solutions, including:

A multiple POS to single PED solution
A multiple POS to single PED solution
Infinite redundancy architecture
Smart transaction routing
INNOVATIONS

B2B enterprise omnichannel platform

Traditionally, when banks, fintechs, and enterprise merchants wanted to deploy a switch, there were very few tech solutions available. These options were usually built long ago, are expensive to run, and expensive to enhance.

In contrast, we provide a feature-rich tech platform that enables enterprise switching of physical and eCommerce transactions, including merchant and back-office tools, reconciliation engines, and supplementary products and features that enable an end-to-end payment processing operation.

INNOVATIONS

Push payments

We focus on the digital payments journey, using technology and innovation to enhance the customer experience. We have pioneered push payments in South Africa – the ability to push funds directly to someone’s card. Some powerful use cases for this technology include:

P2P Money Transfer – Direct transfers between cardholders, including both domestic and cross-border remittances
Merchant Settlement – Payment facilitators and merchant acquirers use push transactions to speed up settlement by sending sales proceeds directly to a merchant’s card account
Payouts – One of the most promising use cases is using push transactions to pay funds owed to contractors or affiliates quickly
Funds Disbursement – Push services can be used by businesses and government authorities to send funds to individuals for insurance claims, expense reimbursements, benefits payments, and other non-sales payments
Utility and Bill Payment – Similar to funds disbursement, businesses can use push transactions to pay suppliers for contractual amounts owed (distinct from individual sales transactions)