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inyad Payment Agent

Become a payment agent and earn on every visit.

Become a money transfer and utility payment agent: bills processed, money sent, cash deposited and phones topped up at your counter, with a commission on every one.

Free demo. No commitment. In your language.

the agent app showing the current balance and pending commission, with cash at the counter

350 000 monthly active businesses · $16B+ in sales recorded every year · 40+ countries

Botanika
Cafés Carrion
Chez Thang
Coco Palm
Fun Art Place
Himmi
Ironman
Pralinor
The Game Changer Company
Yoka Sushi
The services

Add money services to the counter you already run.

Bill payments, money transfers, cash deposits and withdrawals: services your neighbourhood needs, from the shop they already visit.

Bill payments

Utility and everyday bills settled in minutes, confirmation in hand.

Money transfers

Sent and received at your counter, served on the spot.

Cash

Deposits and withdrawals, without a trip to a branch.

Phone top-ups

All operators, in seconds, as many times a day as clients ask.

How you earn

Every service you offer pays you a commission.

One regular pays one bill at your counter: here is what you earn, what they buy while they wait, and what it costs you to start.

1 · The client pays you in cash

He hands you the money for his electricity bill.

2 · You run the operation in the app

Your agent balance covers the bill. The cash stays in your till.

3 · The bill is paid

Confirmation on the spot for the client.

4 · Your commission is credited

Automatically, tracked in the app.

a phone showing a completed sale and the commission credited instantly
More visits, more sales

Money services bring customers. Customers buy more.

The commission is only part of it: every visit for a bill or a transfer is a chance to sell what is already on your shelves.

A bill to pay A visit to your shop Something else in the basket A client who returns

Regulars come back more often, new faces discover your shop, and your counter becomes a habit for the whole street.

How it works

Three steps from merchant to certified agent.

Our team walks you from the application to your first transaction, with the training and the paperwork handled alongside you.

1

Apply

Talk to our team and tell us about your shop. We answer your questions and start your agent request.

2

Get activated

Once your request is approved, your agent profile and services are switched on in your inyad app. Our team shows you how each service works.

3

Start serving

Take the first bill payment, the first top-up, the first transfer. From the first transaction, the commission is yours.

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What it takes

You bring the shop and the clients. We bring the network.

Becoming an agent is a short setup, not a project. Here is exactly what sits on your side and what sits on ours.

Your side
  • A counter your neighbourhood already visits
  • A phone you know how to use
  • Regular customers who trust you
  • A few minutes between two sales
Our side
  • Your agent status and the paperwork behind it
  • The services, the app and the commissions
  • Setup at your counter, done with you
  • Training and a real person on the phone
Who becomes an agent

The kind of shop your neighbourhood already trusts.

Merchants with a counter, regular customers and the trust of the street: the agent network is built on shops exactly like yours.

Corner shops & traditional retail

The shop that knows every client by name is the natural place to pay a bill or send money.

inyad for traditional commerce

Grocery & convenience stores

Daily foot traffic means daily transactions. Every basket is a chance to serve one more thing.

inyad for grocery stores

Telecom & electronics shops

Clients already come for top-ups and SIMs. Transfers and bill payments are the obvious next service.

inyad for electronics shops
Testimonials

What agents say after their first months of commissions.

People used to walk past my shop on their way to the bank. Now they stop here, and half of them buy something too.
AT
Abdellah T. Grocer, Fès
I started with bill payments only. Two months later my regulars ask for everything: transfers, top-ups, deposits.
GM
Gabriela M. Shop owner, Medellín
My shop has become the place where the whole street pays its bills. The extra income arrives without any extra work from me.
EY
Emre Y. Minimarket owner, Ankara
The inyad platform

Agent services connect to the rest of inyad, with nothing to set up.

The same app that pays a bill also sells, invoices and holds your money, so one counter covers more of what your street needs.

FAQ

Learn more about becoming an inyad payment agent

Who can become an agent?
Any registered local business with a physical storefront can apply to join our network. Whether you run a neighborhood grocery store, a small kiosk, a pharmacy, a retail shop, or a local service center, you can turn your existing location into a financial hub. All you need is an active physical counter where customers can walk in, a verified business registration or identity document, and a desire to generate a new source of revenue from your daily foot traffic.
Do I need to invest money or buy equipment?
You do not need to buy expensive, proprietary bank machines, but you do need a receipt printer to hand over physical transaction tickets to your customers. The agent software itself is completely hardware-agnostic and runs smoothly on your standard Android smartphone or tablet. The only financial requirement is connecting a compatible Bluetooth thermal printer and maintaining a basic rolling cash balance in your digital wallet to execute customer deposits, ensuring you can start operating with minimal upfront overhead.
How do commissions work, and how do I track my earnings?
Commissions are earned instantly on every single financial service you process at your counter. Every time you execute a cash deposit, handle a withdrawal, or process a utility bill payment, a transparent fee split is calculated automatically. Instead of waiting until the end of the month, your earned commissions are credited directly to your active balance in real time the exact second the transaction clears. Your digital dashboard tracks everything automatically, displaying your exact hourly, daily, and monthly earnings in a clean, unified report screen.
What if a customer wants to withdraw a large amount and my register is empty?
You are always in complete control of your store's cash flow and liquidity. You are never forced to process a transaction that compromises your daily store operations. The system allows you to set your own custom daily limits for cash deposits and withdrawals based on the volume of physical money you comfortably hold in your register. Furthermore, because customers both deposit cash (which puts physical money into your drawer) and withdraw cash (which takes physical money out), the system naturally balances your cash flow throughout the day.
Is the money topped up in my digital wallet safe from unauthorized use?
Yes, your working capital is fully secured within your digital wallet system. To use any financial service, process a recharge, or deploy your topped-up balance at the counter, you must log in and validate the action using your own unique, secure PIN code. This localized security logic ensures that your funds cannot be accessed or spent without your direct knowledge, giving you absolute protection and tracking over every single cent moved through your device.
How long does it take to become an agent and start operating?
You can start operating and earning commissions instantly. Our onboarding process features an instant self-serve activation that opens Level 1 services the exact moment you complete your basic digital profile, allowing you to process immediate recharges right away. As your transaction volume grows and you want to unlock higher tiers, larger limits, and full financial services, you simply submit your standard business registration through the dashboard to trigger a quick security review phase by our compliance team.

Your counter is ready. So are your clients.

Tell us about your shop, and we'll walk you through becoming an agent.

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