Built for how you trade.
See how Cornerstone Collect solves specific payment challenges across different merchant categories.
Built for every type of merchant.
1. Transport — Trotro, Taxi, Bus, Okada
Drivers accept fares digitally. No change disputes. No envelope collections at the station gate.
Your daily GHS 12 station dues auto-sweep to the station's Pay account the moment you receive them. One transaction. No middleman.
Your passenger's payment is your financial record. Three months of fares and you have a credit identity.
2. Market Traders — Fabric, Produce, Provisions, Electronics
Accept payment for any amount from any customer's phone. No minimum. No POS machine to rent or maintain.
Your Collect code goes on your stall board. Customers who don't carry cash can still buy from you. You do not lose a sale to "I don't have change."
Every transaction is a business record. The market cooperative treasurer can verify your turnover.
3. Food Vendors — Waakye, Chop Bar, Street Food, Catering
Take payment while your hands are busy. Customer dials. You receive the SMS. Serve the food.
Catering jobs? Take a Collect deposit to confirm the booking. The reference number is your proof of payment. No chasing clients for the balance on the day.
Your daily sales are visible, recorded, and yours.
4. Artisans — Mechanics, Tailors, Welders, Builders
Two transactions. Two references. Zero disputes.
Customer pays the deposit via Collect: Reference DEP-0041. Customer pays the balance on collection: Reference BAL-0041. The linked record shows the full job history.
When a customer says "I already paid" — you have the reference. When a lender asks for your business history — you have twelve months of Collect transactions.
5. Salons & Beauty — Hair, Nails, Skincare, Barbershops
No-show? Take a booking deposit through Collect before you set aside the appointment slot. If they do not come, the deposit is yours. The reference confirms the agreement.
Accept payment for any service from any client's phone. No card machine. No exact change required.
Your client base becomes your transaction history. Consistent weekly turnover. Visible to every lender.
6. Spare Parts — Auto, Electronics, Equipment
Accept bulk payments from mechanics and traders without handling cash on a busy workshop floor.
Track large orders across multiple payments with linked Collect references. Supplier invoice paid in three tranches? Three references. One clear record.
Your turnover as a spare parts dealer qualifies you for a supplier credit facility. Collect is the evidence.
7. Kiosk Operators — Provisions, Airtime, Water, Everyday Goods
The Credit Tab: your regular customers can run a tab through Cornerstone Collect. You record what they owe. They pay off at end of week. No notebook. No bad debts forgotten.
Accept payment for any item — GHS 1 airtime to GHS 500 in provisions — from any phone.
Your daily sales log becomes your business identity.
8. Professionals — Photographers, Tutors, Freelance Services
Confirm a job with a Collect deposit. The reference number is your contract. The client's SMS is their receipt.
Invoice your clients by Merchant Code. They pay from any phone. You receive confirmation before you deliver.
Your professional income has a formal record for the first time. Tax registration, loan applications, business bank accounts — all now possible.