Merchant

Get paid without cashing out

Aid programme payments and payments to your suppliers, on the till you already use, paid into your wallet or your account.

Show me the merchant flow

Accept

Take payment by QR or by sending a request to the customer's phone number.

Keep or settle

Receive into the approved wallet and, where available, settle to a bank account through the licensed partner.

Pay onward

Use the balance for approved supplier payments or cash out through a licensed partner.

Commercial terms are agreed by market and partner; no price claim is made before launch.

Saleem merchant POS asking how the customer will pay: show a QR code or charge a phone number — How will the customer pay?

Saleem merchant POS home screen on a phone: takings, new sale, cash-in, refunds — Merchant POS on any phone

Six client surfaces are built and demonstrable against mocked services. The production backend, licensed-partner connections and independent security testing remain pre-launch work.

You keep the sale and the customer.
Licensed partners perform regulated money movement, custody, conversion and payout as required in each jurisdiction. Saleem provides instruction validation, screening orchestration, routing, records and reconciliation under the agreed operating model.
Recipient balances are to be held by a licensed custodian and accessed through Saleem's interfaces; keys do not sit on the handset. This is the target operating model at launch.
Saleem charges no fee to sender or recipient; FX conversion applies where currencies convert, at the licensed partner's rate. Institutions pay Saleem.

Questions partners ask

How does a merchant get paid? How does Saleem make money, and what does the recipient pay? Is it secure, and what happens when a handset is lost, shared or taken, or when the network is down? Can payments be programmed, and can a business hold the digital money?

All twelve questions