For merchants

Sell anywhere.
Get paid everywhere.

Counter QR, online payment link, mobile money, card payments. Every channel works the same way and lands in the same wallet. Withdraw to your bank when you're ready.

Merchant accepting a payment at the counter
Payment received
+$250.00
Scan to pay
30s
to your first sale
5
currencies in one wallet
T+1
bank settlement
5%
card processing fee

Acceptance channels

Four ways to take a payment.

Same wallet, same reconciliation, same payouts, pick whichever fits the moment.

01 IN PERSON

Counter QR

Print your QR once. Customer scans, enters the amount (or you pre-enter it for them), pays. Notification on your phone in seconds.

02 REMOTE

Send a payment request

Generate a locked-amount invoice from the dashboard. WhatsApp it, email it, paste it. Customer pays, you get an alert.

03 ONLINE

Hosted payment page

payclio.com/pay/yourshop, your logo, your name, your colors. Customers pick wallet or card.

04 API

Embed in your site

REST API and webhooks. Create payment requests programmatically, display the QR on your checkout, get notified when the customer pays.

Every kind of business

Retail, trades, or a one-person shop online.

Same wallet, same acceptance channels, however you sell.

Two tradespeople reviewing an invoice on a laptop at a job site

On site, invoicing straight from a laptop.

A seller sharing their payment link on social media from a phone

Selling from a phone, link shared in a bio.

Merchant console

One dashboard. Every channel.

Today's takings, your top customers, refunds, payouts, transaction history with CSV export, and a single payout button that pushes any wallet to your verified bank account.

  • Real-time transaction stream
  • Customer and payer profiles auto-built
  • Refunds in one click
  • Webhooks: pay, refund, dispute, payout
My ShopLIVE
payclio.com/pay/myshop
Today
$4,820
+18%
This week
$31k
+7%
Transactions
147
Next payout
Tomorrow
A
Anna M.
QR | 2 min ago
completed
+$250.00
B
Benjamin S.
Card | 14 min ago
completed
+€1,200
C
Carla M.
Card | 1 hr ago
completed
+£580.00
D
David O.
QR | 2 hr ago
completed
+$320.00
E
Emma N.
Link | 3 hr ago
completed
+$18.00

Get started

From signup to first sale in 3 steps.

1

Open Account

Phone, email, business name. Verify in under a minute.

2

Complete KYC

Upload ID and proof of business. Reviewed within 24 hours.

3

Share your QR

Print it, post it, paste it on socials. Money lands the moment a customer pays.

Ready to sell?

Open a merchant account. Your QR and payment link go live the moment KYC clears.