The field platform behind the ePay payment gateway
Put ePay on every counter in Ethiopia.
One platform runs a salaried field team and a self-expanding agent network side by side, so coverage grows block by block, every merchant verified on the ground and paid for by real transactions.
Fayda digital-ID on every owner, GPS on every visit, and four field languages: English, Amharic, Tigrigna and Oromiffa.
A gateway needs acceptance points everywhere. You can't hire your way to tens of thousands of them.
Operators who covered a continent (M-PESA, OPay, GCash) did it with a lean team steering a much larger commission-driven network. ePay Reach brings that model to ePay.
In place of
- SpreadsheetsReplaced
- Chat groupsReplaced
- Manual reconciliationReplaced
The reach of an agent network, the control of a field team.
Salaried staff
A field team you manage top-down
Your own officers, organised from HQ to the ground with shift schedules, assigned tasks and supervisor sign-off. Every movement on the map.
- Role-based org, HQ to field
- Shift GPS tracking and geofence alerts
- Tasks with photo, form and checklist proof
Independent agents
A network that recruits itself
Master agents bring on agents, agents bring on sub-agents, the agent-banking model that took M-PESA, OPay and GCash to scale, built for Ethiopia.
- Referral and self-registration onboarding
- Recruiting unlocked after probation
- Four tiers deep, capped and auditable
From recruiting to payout, one connected loop
Three stages your field teams repeat at scale: build the network, register merchants, pay from real sales, all in one system.
- Invited01
Build the network
Recruit agents, draw territories, deploy staff. The downline grows itself, with span-of-control caps that keep it auditable.
- Submit to gateway02
Register in the field
Agents onboard merchants on mobile, every one GPS-stamped, Fayda-verified and mirrored straight to the ePay gateway.
- Cash outCashableClearing03
Pay from real sales
Live transactions run the commission engine. Earnings land in a wallet, clear on a timer and cash out to the bank.
The commission engine
Pay a whole chain, never more than the fee.
Agents earn only from real transactions. A single gateway fee splits down the sponsor chain, held in whole santim, and the total is capped at what the gateway actually collected. No floating-point money, no recruitment pyramid.
Everything the field runs on, in one place
An Android app for agents on the ground and a role-based portal for the back office, over the same live data.
Agent onboarding
Referral or HQ invite, tiered KYC, selfie and Fayda digital-ID, phone-OTP login and device binding.
Merchant registration
Mobile capture, GPS-stamped, Fayda eKYC on the owner, mirrored to the ePay gateway in real time.
Challenges
Time-boxed drives targeted by territory, downline or agent, with auto-tracked progress and a live board.
Tasks and visits
Photo, document, form and checklist evidence, GPS check-in and check-out, geofence flagging on every visit.
Live location
Shift-based GPS on a live map, with geofence, off-hours and fake-location alerts routed to supervisors.
Roles and audit
Scoped dashboards for supervisors, managers, HQ and finance, MFA on sensitive roles and a full audit trail.