Part 4: Business Model & Money Flow

The Money Flow — Technical & Financial

1
👤
The Funding — User → GPaye Ecosystem
User tops up their GPaye card

Funds are debited from the user's Mobile Money provider or Bank Account via PI-SPI, and securely held in the GPaye ecosystem. The user pays any standard network funding fees at this stage — GPaye charges nothing extra.

↓
2
📲
The Transaction — User → Merchant
User taps their card at the terminal

The transaction is instantly authorized (offline or online) for the exact purchase amount. No fees charged to the user at this step. If the card balance is low, auto-topup triggers automatically from the linked account.

↓
3
📊
The Settlement — GPaye Ecosystem → Merchant
GPaye aggregates daily transactions & deducts commission

At end of day, GPaye calculates total transaction volume and deducts our 1% commission from the gross amount. All transactions — regardless of provider — are unified into a single settlement figure.

↓
4
🏦
The Disbursement — GPaye → Merchant's Bank Account
Net funds disbursed directly to merchant's bank

The net funds are disbursed directly into the merchant's single registered bank account, completely bypassing the need to manually withdraw from multiple fragmented mobile money wallets. One payout. One account. Zero manual effort.

MONEY FLOW DIAGRAM
👤
User
Mobile Money / Bank Account
Funds
↓
💳
GPaye NFC Card
Encrypted, offline-capable
Tap →
↓
📡
GPaye Terminal (ESP32-S3)
Offline-first, syncs to cloud
↓
☁️
GPaye Cloud Platform
Aggregation, reconciliation, commission deduction
– 1%
↓
🏦
Merchant's Bank Account
Single account — all providers unified
Net Payout

🔑 The Key Innovation

GPaye decouples the funding source from the physical transaction. The merchant doesn't need to know how the customer paid. They receive one clean, unified payout — every single day.

15 / 19