PayShap · Point of sale
Your phone is the card machine.
Malini lets you accept instant PayShap payments from any customer's banking app. Nothing to rent, nothing to buy. Just the phone already in your pocket.
Malini comes from “imalini?”, the question asked at every counter in South Africa. How much?
New sale
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.
Instant PayShap payments
Money moves bank-to-bank in seconds on South Africa's national instant payment rail. No waiting days for settlement.
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, you can 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.
Pricing
One fee, on the money you actually take.
No monthly subscription, no hardware cost, no lock-in contract. Quiet month? You pay us nothing. Sharp.
per PayShap payment accepted
On a R100 sale, R98.50 reaches your bank account.
- 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
Who it's for
Built for the businesses card machines priced out.
From the kasi to the CBD: spaza, salon, stall or bakkie. If you take cash today because a card machine costs more than it earns you, Malini is built for you.
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.
Registered company
Malini is operated by a company registered with the CIPC in South Africa and registered for tax with SARS.
Built on PayShap
Payments run on PayShap, the national real-time payment service operated by BankservAfrica and supported by South Africa's major banks.
We never hold your funds
Money settles directly from your customer's bank account into your own. We provide the software and the record, not a wallet.
Verified merchants only
Every merchant is identity-verified before they can accept payments, as South African law (FICA) requires.
Contact
Howzit. Let's talk.
We're onboarding our first merchants now. If you run a small business and want to take payments on your phone, come say hello, ekse.