PayShap · Point of sale
Your phone is the card machine.
Take instant PayShap payments from any customer's banking app. Nothing to rent, nothing to buy, and nothing taken off the sale. Just the phone already in your pocket.
Malini comes from “imalini?”, the question asked at every counter in South Africa. How much? For most traders it has only ever had one answer. We are here to give it another.
Not live yet. Payments switch on once South African banks enable QR at the till, expected late 2026. We are signing up the first merchants now, and you will be told the day it works.
New sale
DemonstrationWaiting for the customer
R0.00
Paid. Straight into your bank.
How it works
Sharp sharp. Three taps from “imalini?” to paid.
The whole sale happens on the phone in your hand. Your customer pays from their own banking app, so there is nothing for them to install.
Enter the amount
Type what the customer owes. Add a reference if you want to remember the sale later, like a table number or an invoice.
Show the QR code
Your customer scans it with their own banking app and approves the payment. Nothing to install, nothing to swipe.
The money lands
Funds settle into your bank account in seconds, not days. You get a notification and a receipt you can send straight to the customer.
What you get
A till, a receipt book and a sales record. One app.
Everything a small business needs to take the money and keep track of it, without buying a single piece of equipment.
The one that matters
Money moves bank to bank in seconds.
On South Africa's national instant payment rail. No waiting days for settlement, and no fee to be paid faster, because there is no payout to wait for.
Cash sales counted too
Record a cash sale with one tap, so your daily takings reflect your whole business, not just the digital half.
Today's takings, counted for you
Month-end rush or a slow Tuesday, see what you've made today and how the week is going. Without keeping a single book.
Receipts over WhatsApp
Send a customer their receipt on the app they already use, instead of a paper slip that fades in a pocket.
Works when the power doesn't
A card machine needs mains power and a line. Your phone has a battery. Load-shedding doesn't have to close your till.
Your money, your bank
Payments settle from your customer's bank straight into yours. We never hold your money along the way.
Nothing for your customer to install
They pay from the banking app already on their phone. No wallet to sign up for, no account with us, no download at the counter.
Pricing
You keep the whole sale.
Your customer's bank pays yours directly. We never touch your money, so we never take a cut of it. Instead you buy payment credits up front, like airtime. No monthly subscription, no hardware cost, no lock-in. Quiet month? You use nothing.
of your sale reaches your bank on a R100 sale
Payment credits are bought up front. A bigger sale uses more.
- R0 monthly fee. Nothing to pay when business is slow
- R0 hardware. No machine to buy or rent
- Free cash-sale recording, sales dashboard and receipts
- No contract. Stop whenever you like
Money is the oldest agreement we have. A hundred rand is worth a hundred rand because everyone at the counter agrees it is, and for no other reason at all.
Every payment system since has been the same thing. People deciding together that something counts.
Malini does not work yet. Neither did any of them, on the first day.
Why we built it
Taking only cash was never a choice.
A card machine costs more than a day's margin, so for most traders in this country it was never on the table. That is not a decision anybody made. It is what is left when everything else is priced out of reach. Malini exists to close that gap, which is why nothing comes off your sale and why there is nothing to rent. From the kasi to the CBD, if you take cash because the alternative costs more than it earns you, this was built for you.
Spaza shopsMarket stallsSalons & barbersStreet vendorsTuck shopsTavernsTradespeopleHome businesses
About us
A South African business, on South African rails.
Registered here, taxed here, and built on the country's own instant payment service. Your money never takes a detour through us.
We never hold your money
It settles from your customer's bank account straight into yours. We provide the software and the record, never a wallet, a balance or a float. There is nowhere in Malini for your money to sit, by design.
Registered company
Registered with the CIPC in South Africa, and registered for tax with SARS.
Built on PayShap
South Africa's national real-time payment service, supported by the country's major banks.
Verification comes first
No merchant can accept a single payment before their identity is verified, as FICA requires. Built into the software, not a policy we promise to follow.
Questions
Straight answers.
Including the ones that are not yet a yes.
When can I start taking payments?
Not yet, and we would rather say so. South African banks have to switch on QR payments at the till before any of this works, expected late in 2026. Put your name down now and you will hear the day it goes live.
What does it cost me?
No monthly fee and nothing to buy. You buy payment credits up front, like airtime, and a sale uses a few. A bigger sale uses more. Nothing is taken off the sale itself, so on a R100 sale the whole R100 reaches your bank.
Do I need a business bank account?
No. Your own account works. If you can receive a PayShap payment today, you can be paid through Malini.
What if my customer has no smartphone?
They key in a 13-digit number instead of scanning anything. Same payment, typed rather than photographed.
What happens when the power goes?
A card machine needs mains power and a line. Your phone has a battery, so load-shedding does not have to close your till. You do still need signal.
Can you see my money, or take it?
No. It goes from your customer's bank to your bank and never passes through us. There is no account with us for it to sit in.
Contact
Howzit. Let's talk.
We're signing up the first merchants now, ahead of payments going live. Get your name down and you'll be among the first to take one — and we'd rather hear what you need before we build the rest. Come say hello, ekse.