Accept Payments with Your Phone

Turn any smartphone into a payment terminal. Accept QR codes, tap-to-pay, and payment links with instant settlement and AI-powered business insights.

Central Bank Licensed 6 Countries PCI DSS Compliant AI-Powered

Why Merchants Choose ElRoi Pay

Everything you need to accept payments and grow your business

No Hardware Needed

Your phone is your POS terminal. No expensive equipment, no maintenance costs, no technical setup.

Instant Settlement

Receive payments in real-time. Money hits your wallet immediately, available for withdrawal or spending.

Transparent Pricing

Simple, flat-rate fees with no hidden charges. Know exactly what you'll pay for every transaction.

AI Business Coach

Get personalized insights on sales trends, inventory management, and customer behavior to grow revenue.

Credit Readiness

Build your transaction history to unlock access to business loans and credit facilities.

24/7 Support

Get help anytime via chat, phone, or email. Our team is always ready to assist you.

Multiple Ways to Accept Payments

Give your customers the flexibility to pay however they want

QR Code Payments

Display your QR code at checkout. Customers scan and pay instantly from any wallet app.

  • Works with all wallets
  • No internet needed for display
  • Perfect for small businesses

Tap to Pay (NFC)

Accept contactless card payments by tapping on your phone. Full PCI DSS compliance included.

  • Visa, Mastercard, local cards
  • Secure chip & PIN
  • Works offline

Payment Links

Share payment links via WhatsApp, SMS, or email. Perfect for remote sales and invoicing.

  • One-time or recurring
  • Custom amounts
  • Track payment status

Fast, Flexible Settlement

Choose how and when you receive your money. Instant wallet deposits, scheduled bank transfers, or on-demand withdrawals.

Instant to Wallet

Money available immediately for spending or transfers

Scheduled Payouts

Automatic daily, weekly, or monthly bank transfers

On-Demand Withdrawal

Withdraw to your bank account anytime, 24/7

Settlement Dashboard

Today's SalesGHS 2,450
Pending SettlementGHS 8,320

Next payout: Tomorrow 9:00 AM

Total This MonthGHS 45,680

AI Merchant Coach

Get personalized business insights powered by artificial intelligence

Sales Forecasting

Predict future revenue based on historical trends, seasonality, and market conditions.

Inventory Tips

Get alerts when stock is running low and recommendations on what to reorder.

Customer Insights

Understand your best customers, peak hours, and popular products to optimize operations.

Credit Readiness

Build your transaction history to unlock business loans and credit facilities from partner banks.

Start Accepting Payments in Minutes

Simple KYB verification, no paperwork, no hardware. Just download the app and start selling.