Solutions for merchants
Through Capital Connect, we provide frictionless unsecured, short-term business funding solutions to the South African retail sector.
Cash flow is the lifeblood of a retail business. Our affordable funding solution is an alternative to the often complicated and time-consuming application process through traditional lenders. With Click & Borrow, retail business owners can access up to R2.5 million in just 24 hours, so that you never miss a business opportunity. And in business, quick access to capital keeps you agile.
The capital injection gives merchants the opportunity to top-up stock, make bulk purchases at discounted rates or renovate their store. You choose the amount and repayment period, with affordable daily instalments ensuring that cash flow is maintained.
Ultimately quick access to business funding allows merchants to grow and take their business to the next level.
A version of this offering has been specifically tailored to the needs of the informal market, with a 90-day lending facility provided to merchants. After approval, the capital is paid to the merchant’s virtual wallet within 24 hours to boost their business.
Cash management and payments
Through Cash Connect, we offer smart retail cash management and payment solutions to small, medium and micro enterprises (SMMEs) in both informal and formal markets.
We offer an alternative to traditional cash management processes through an enhanced, efficient and fintech-enabled cash management proposition that enhances cash flow. We now process in excess of R110 billion a year on behalf of our clients and stand as South Africa’s leading provider of automated cash management and payment solutions to the retail community.
Our robust, automated cash vault solution facilitates cash deposits and supplier payments with instant cash access, risk cover transfer when cash is deposited into the SABS Category 4 cash vault, and a fully managed cash-in-transit (CIT) service, to ensure that our clients can trade in a safer environment.
Our end-to-end turnkey cash management and payments solution save merchants time and money. Clients are assigned a dedicated consultant and have access to a support centre 24/7. And our digital portal gives you real-time information on cash levels in the vault, CIT collection times, a full transaction history and even the ability to make digital cash-on-delivery payments to your vendors.
We connect our clients with opportunities to maximise their business potential.
Card payment acceptance
We are an independent provider of traditional and mobile point-of-sale (POS) payments acceptance solutions to SMMEs. With our range of card payment machines, merchants can enjoy the benefit of secure card transactions – anytime, anywhere.
We apply over 15 years of expertise in merchant solutions to recommend the card payment device best suited to their transaction needs. Merchants can give their customers more in-store and get more foot-traffic by offering quick, easy and convenient cash withdrawals at till-points.
Existing clients in our network can also benefit from quick access to capital to grow their business. Based on your card throughput, we can provide hassle-free access to capital to grow your business.
With ‘always-on’ payment functionality (through our Wi-Fi and dual SIM enabled card payment terminals) merchants enjoy more uptime. Our devices also enable cash withdrawal at till points, so that you can provide greater convenience to the customers who drive your business.
Bill payments, value-added services and enterprise payments
We facilitate bill payments to more than 120 recognised businesses and a range of pre-paid value-added services (VAS) straight from till-points. This is done through the largest retail footprint in South Africa across both informal and formal markets.
This opens new revenue streams for merchants by earning commissions on sales, while enhancing convenience for their customers.
Our VAS offering includes prepaid airtime, data, electricity, DStv payments, as well as gaming top-up vouchers, money transfers, lotto tickets and so much more. It is scalable from micro enterprises all the way to large retail stores.
Cryptography and smartcards
Through Prism, we provide cryptography and secure token vending solutions for payment and utility vending clients.
Our superior security is built from years of experience. Our products and services have defined the very security standards upon which countless local and international organisations operate. As each new generation of Hardware Security Module is designed by us, their manufacture and support systems build on experience and expertise gained from previous generations.
Payment technology provision
Lesaka is a provider of world-leading Ingenico payment devices and the only accredited Ingenico supplier able to perform device support services for enterprise clients in South Africa. These devices deliver fast and highly secure transactions to ensure high performance and cost-effective transactions that deliver compelling customer service.