Real infrastructure for the economy that runs on its own rules.
Spaza owners, informal traders, community collectives and the businesses that serve them are the largest underserved payments segment in South Africa. We built for them, not around them.
What we hear most often.
- Staff and traders without formal bank accounts
- Cash-heavy operations with real theft and float risk
- Customers who don't qualify for mainstream BNPL
- Suppliers who won't accept cash but expect to be paid weekly
What we usually put in place first.
AppiaStaff
Pay traders, hawkers and casual staff without a bank account.
Merchant Acquiring
Affordable terminals for spaza shops and township merchants.
PayBeta
BNPL underwriting that actually approves informal-income customers.
AppiaReward
Instant reward payouts for community and loyalty programmes.
A township grocery aggregator rolls out AppiaStaff cards to its 200 hawkers and Merchant Acquiring terminals to its 40 spaza partners. Weekly cash-in-transit runs stop, shrinkage drops, and hawkers who never had a bank account can now pay for groceries with a card — from a card their employer topped up that morning.
Let's talk about informal & township economy.
One call, scoped to your business. We'll show you exactly which products fit and how they'd be priced.
Ready to sort out your business payments?
Tell us a bit about your business and we'll get back to you within one working day.