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Introduction

The in‑person payment network enables merchants to leverage our reach and collect payments at many different pay points, from large retailers to agents operating at small shops. Our goal is to rapidly increase merchants’ payment network distribution and truly allow customers to pay any place and any time they choose.

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Prevalence

Consumer preferences are shifting to digital payment methods; however, many of the largest businesses collect more than 60% of payments using the in‑person network. These preferences do not only stem from a customer’s access (or lack of access) to digital payment methods—although that is sometimes the case—but also from strong emotional preferences. Trust in financial institutions is weak, and not all customers are comfortable enabling payments using cards or from their bank accounts. The in‑person network puts the customer in control.

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Pay Points

Moment’s in‑person network is ubiquitous across South Africa, enabling consumers to pay at more than 300,000 locations. Consumers can make a payment at any of the following pay points: Group 261

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Enablement

Our in-person payment network is powered by our Billing ecosystem. Once integrated with the Billing service, customers will be able to check the amount they owe anywhere on our network, and after they have paid, merchants receive a real‑time notification.

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Payer journey

  1. The customer arrives at an in‑person payment location and requests to pay a bill.
  2. The clerk (generic term for the POS teller, trader, or agent, depending on the market and payment‑location context) requests the customer’s unique identifier to fetch their payment details.
  3. The customer provides their unique identifier for the merchant.
  4. The clerk verifies the customer’s name and amount due, and may optionally ask the customer how much they want to pay and how they want to pay.
    1. Payment locations and merchants can set minimum and maximum payment-amount rules.
    2. Some locations can also share other bill details with the customer (for instance, the service or product the bill is for).
  5. The customer successfully completes payment and the payment location notifies Moment that a payment has been completed.
  6. Moment will notify the merchant in real-time that the customer has paid.
  7. The customer will be provided a payment receipt which can be used as proof of payment in case of any support queries.