Buypass replaces card machines, paper receipts and manual reconciliation with a single 6‑digit ID shared by every supermarket on the network. Settled in naira instantly. Built for fast retail checkout.
Identity, approval, and a receipt that becomes data, all without buying a single new POS terminal or training your cashiers on anything new.
Customers sign up in three minutes and get a 6‑digit ID tied to a secure naira wallet. They share it like an email, making it usable at every supermarket on the network.
Read the shopper flow →Push when the app is online. USSD when there's no data. Email as a final fallback. Buypass automatically routes to the channel most likely to reach the customer.
See channel logic →A virtual printer driver installs in 15 minutes on any Windows POS. It listens to the ESC/POS stream. While paper receipts still print, every transaction also lands as searchable JSON in the cloud.
How the driver works →A consumer wallet and a merchant terminal sharing the same ledger. Approval flows live on the customer's phone; reconciliation flows live on the manager's dashboard.
Top up by bank transfer, card, or direct bank link. Every deposit is instantly credited, ensuring your wallet is funded and ready at all times.
Funding options →Open the Web Terminal on any tablet, type the customer's 6‑digit ID and amount, and you're done. Manager dashboard updates in real time across every branch.
See the merchant view →Consumer app, merchant terminal, virtual printer driver, double-entry ledger, and real-time branch analytics. All built around a single unified settlement layer.
Every transaction clears in naira to the merchant's bank with guaranteed T+0 settlement. Linked bank and card funding stay invisible to the cashier, ensuring a fast, standard NGN checkout flow.
An append-only ledger sums to zero on every payment. Reconciliation jobs reconcile to the bank statement hourly.
A single network with very different value to each side of the till.
Pay across every supermarket on the network with a single Buypass ID, requiring no card, cash, or app dependency. Every purchase lands in your e-invoice inbox the moment the paper receipt prints.
Buypass installs in any browser, requiring no new POS to certify and no card terminal to maintain. Every transaction lands instantly in your merchant dashboard with full branch and cashier attribution.
A single browser tab gives your cashiers, branch managers and head office one view of every transaction, every settlement, every line item.
Naira clears to your bank account the moment the customer taps approve. No T+1 reconciliation runs.
Every transaction is a ledger event. End-of-day reports auto-email at midnight, broken down by branch and cashier.
Compare branches against each other. Hourly volume, ticket size, channel mix, cashier velocity — all live.
Pull transaction state from any system you already use. Webhooks for every payment event, all retryable.
Fund your Buypass wallet however you like. Korapay and Mono handle bank transfers, cards, and direct bank links natively, settling every merchant in naira regardless of the source.
Every Buypass account ships with a Korapay‑backed virtual account number. Transfer naira from any Nigerian bank to be credited in seconds.
Charge any Nigerian Visa, Mastercard or Verve directly inside the app. Korapay handles PCI scope; we never touch your card number.
Link your bank account securely using Mono. Authorize payments instantly from your connected balance at checkout without entering card details or processing manual transfers.
Supermarkets receive naira settlement only, regardless of how the customer funded their wallet. All payment processing and routing happen at the Korapay and Mono infrastructure layers, invisible to both cashier and merchant.
iOS, Android, USSD, plus a Web Terminal for every cashier in between. The same Korapay-backed wallet, on every surface.
Stakeholder interviews from the pre-pilot phase, paraphrased and anonymised. Names changed.
"My POS goes down at peak hours every Saturday. If something can just settle without that thing in my hand, I'll use it tomorrow."
"Reconciling end-of-day across four branches is two of my staff's full days a week. A real-time dashboard is the part I want first, with payments second."
"I lose more receipts than I keep. If my phone gets the receipt automatically, that's worth something. Especially for things I can claim back."
"Nobody is going to install another POS terminal. If you can do this in a browser with a 6-digit code, you'll get a meeting with everyone in Lagos retail."
If we missed something, write to hello@buypass.athnow.com.