Part 4: Business Model & Money Flow
Revenue Streams — How We Make Money
Our strategy removes all barriers to entry. Cards are free. Terminals are nearly free. We monetize the high-volume transaction flow that results.
A transparent, flat 1% commission is deducted directly from the merchant's payout on every transaction. The merchant pays nothing upfront. As millions of users tap daily, this micro-fee compounds into significant, predictable recurring revenue. The optimized target for Series A is 1.0%.
A negligible 10,000 FCFA (~$16) per year per terminal. This is not a profit center. It's a nominal barrier designed to ensure merchants value and care for the hardware, while keeping our entry cost virtually non-existent.
Interest and fees from micro-loans built on transaction history. Once users have 6+ months of tap history, GPaye can offer fuel credit, transport credit, and extended corporate fleet lines — unlocking a high-margin financial services layer.
📊 Revenue Math at Scale
At 1.0% commission with 4,000 users spending $40/month each:
🎯 Why This Model Works
Cards are free (absorbed as CAC). Hardware is nearly free ($16/year). The only barrier is the first tap. Once users are in, every daily transaction generates revenue — with near-zero marginal cost.