Three delivery schemes
Each scheme is an ordered sequence at the counter. A programme can run one, or combine them on the same beneficiary.
Scheme 1 Instant payment
The beneficiary scans a merchant QR in a messenger. The platform checks the whitelist, debits the targeted account, and the seller is paid in the same moment.
- 1 The beneficiary opens a messenger and scans the merchant's QR code.
- 2 The platform checks the merchant against the programme whitelist.
- 3 The platform debits the beneficiary's targeted account.
- 4 The seller is paid in the same moment.
Best for
Open-market purchases at vetted shops
Scheme 2 E-vouchers
Vouchers for specific goods or fixed sets arrive in a messenger or wallet pass. The merchant's existing POS scanner reads them. No printing, no reconciliation.
- 1 The programme issues vouchers for specific goods or fixed sets.
- 2 Each voucher arrives in a messenger or as a wallet pass.
- 3 The merchant's existing POS scanner reads the voucher.
- 4 The goods are issued. There is no printing and no reconciliation.
Best for
Fixed rations, kits and seasonal sets
Scheme 3 Category limits
The beneficiary is identified by any channel. The merchant selects the purchase category, and the platform confirms it against the account's rules and limit.
- 1 The beneficiary is identified by any channel, including a phone number or card.
- 2 The merchant selects the category of the purchase.
- 3 The platform confirms it against the account's rules and limit.
- 4 The purchase is approved, or declined at the counter.
Best for
Flexible allowances within set categories