Merchant payments
Mercato
One terminal for 2,300 merchants
- Sector
- Merchant payments
- Location
- Istanbul, Türkiye
- Year
- 2024
- Kickoff to production
- 20 weeks
Merchant onboarding, settlement visibility and terminal health for an acquirer that ran all three on paper and phone calls.
Signing a merchant took nine days and a courier. Every settlement question became a phone call because merchants could not see when money would land, and a dead terminal was only discovered when the shop complained.
- 01
Onboarding in an afternoon
Trade licence, bank and ownership checks run against source registries during the application, so approval is same-day instead of next week.
- 02
Show them the money
A merchant app with a settlement timeline: what was captured, what is in transit, what lands tomorrow and why a deduction happened.
- 03
Terminals that report themselves
Device telemetry surfaces connectivity, battery and failed-transaction spikes, so a field visit is dispatched before the merchant notices.
Onboarding is now a same-day process, settlement support quieted down, and terminal downtime is measured in hours rather than discovered in complaints.
What changed
- Merchant onboarding
- Same day
- Settlement timeline
- Live
- On the desk
- Terminal health
Stack
- Next.js
- React Native
- Postgres
- Kafka
- Grafana
Disciplines applied
- Financial technology
- Custom software development
- Automation & operations
