Case Study · Merchants

Wanjiku's Salon, Westlands.

The same Till she's used for years — now reaching every participating bank's customers.

Wanjiku, a Kenyan salon owner in a colourful headwrap, smiling as a customer pays at her till

Westlands · Nairobi

Her morning

"Today I didn't lose a single customer."

Wanjiku's Till — the one stuck on the mirror with masking tape — is the same one she's had for five years. What changed is that her Equity, Co-op, Family and Absa customers can now pay her straight from their own banking apps. No top-ups. No "let me first send myself to the wallet."

"Sasa watu wananilipa moja kwa moja kutoka bank yao. Pesa inafika. Mimi nina-smile."

Same

Till number she already had

5 banks

Customers can pay from their own bank app

T+1

Settled to her Co-op account by midday

What actually happens

1. A customer opens her Equity Eazzy app and taps the LipafoPay shortcut.
2. She enters Wanjiku's Till — the same one painted on the wall — and confirms with her bank PIN.
3. Equity debits her account; Wanjiku's Co-op account is credited; the two banks settle bilaterally by RTGS the next morning.
4. Wanjiku gets the same SMS confirmation she's used to. Iko sawa.