FinPay Wallet

FinPay's target market was small merchants — market stalls, corner shops, service vendors — in a cash-heavy economy where accepting digital payments meant either an expensive card terminal most couldn't justify, or a bank merchant account that took weeks of paperwork to open. Most merchants simply stayed cash-only, which capped their ability to serve customers who preferred not to carry cash and locked them out of the growing share of commerce moving digital.

The merchants who did want to go digital faced a KYC and onboarding process built for large businesses, not a single shopkeeper trying to start accepting payments by the following week.

We built a React Native wallet app where a merchant can complete KYC onboarding from their phone in under three minutes and start accepting QR payments the same day, with no hardware to buy. Settlement happens in real time rather than the multi-day bank transfer merchants were used to waiting on, and rule-based fraud screening runs on every transaction without adding friction to the checkout moment.

We built for the failure modes that matter most in a cash-heavy, mobile-first market: patchy connectivity, low-end Android devices, and merchants who have never used a business banking app before. The result processes over 200,000 transactions a month at 99.99% payment uptime.