CICO

CICO FOR MERCHANTS

Accept more ways to pay.
Keep business moving.

Receive CICO Cash and PostPay payments through QR, payment links, online checkout, or supported APIs—then track every transaction from one place.

Availability, onboarding requirements, fees, and settlement options vary by market and are subject to approval.

LIVE PAYMENT VIEW

Today’s received paymentsReal-time overviewQR · links · checkout · API
Counter QRConfirmed
Payment linkConfirmed
Online checkoutConfirmed

PAYMENT ACCEPTANCE

Meet customers wherever they choose to pay.

Use one merchant experience for in-person, remote, and integrated payment flows.

QR
In person

QR at the counter

Display a reusable or transaction-specific QR so customers can pay from their CICO experience.

Remote

Payment links and requests

Send a secure payment request through messaging, invoices, or your existing sales process.

Online

Online checkout

Add a CICO payment option to websites, apps, or marketplaces through supported checkout tools.

P
Where available

PostPay at checkout

Offer eligible customers a PostPay option where available, subject to approval and market rules.

ONE BUSINESS VIEW

Know what was paid, when, and through which channel.

Track confirmations, transaction references, refunds or reversals where supported, and exportable records for reconciliation.

See the merchant workflow

Instant confirmation

See successful payment confirmation without relying on manual screenshots.

Transaction history

Search and review payment references across supported channels.

Reconciliation support

Export or connect records to supported business workflows.

Team access

Organize merchant operations with appropriate user access where supported.

GET STARTED

A clear path from application to acceptance.

Merchant onboarding and availability depend on business type, market requirements, and approval.

1

Register your business

Share the required business and contact information for merchant review.

2

Verify and configure

Complete applicable checks and select the supported payment channels for your business.

3

Start accepting payments

Receive your merchant setup and begin taking approved CICO payment types.

BUILT FOR DAILY COMMERCE

Flexible enough for the counter, the phone, or the checkout.

Choose the payment flow that fits how your customers already buy.

Retail and shops

Simple in-person collection with clear confirmation.

Service businesses

Send payment requests before or after delivering work.

Online sellers

Add supported checkout or payment-link flows.

Platforms and institutions

Connect payment acceptance through supported APIs and partnership models.

CLEAR AND TRUSTED

Payment records your team can follow.

CICO merchant flows are designed around clear status, traceable references, and practical support pathways.

Clear transaction status and references for supported payment flows.
Controlled merchant onboarding and market-specific compliance checks.
Support channels for settlement, transaction, and account inquiries.

MERCHANT FAQ

The essentials before you apply.

Final availability and commercial terms are confirmed during merchant onboarding.

Which payment methods can I accept?

Supported methods may include CICO Cash, QR, payment links, online checkout, API-based flows, and PostPay where available.

How are fees and settlement handled?

Fees, settlement timing, settlement destinations, and limits vary by market, product, risk review, and merchant agreement.

Can I connect CICO to my website or app?

Supported checkout and API options can be discussed during onboarding based on your technical and business requirements.

What information is needed to apply?

Requirements depend on the market and business type, but generally include business, ownership, contact, operating, and settlement information.

READY TO ACCEPT CICO?

Give customers a simpler way to pay.

Start a merchant conversation and we’ll confirm availability, requirements, supported channels, and commercial terms for your market.