Your Business Has a Payment Identity Now.
Accept money from any phone. Build a transaction record nobody can dispute. Open the door to merchant credit.
No POS machine. No smartphone. Just your Collect code.
Your Merchant Code
Every registered merchant gets a unique Collect code. Customers pay by dialling *920*2026# and entering your code. Simple.
Instant SMS Receipts
Every payment sends an SMS to both merchant and customer with a reference number. Nothing disputed.
Works on Any Phone
Customers pay from MTN, Telecel, or AirtelTigo. You do not need to be on the same network as your customer.
Your Credit Record
Every transaction builds your transaction history. The first formal record of your business. Six months changes what lenders can offer you.
Merchant Credit Path
Six months of Collect history qualifies you for merchant credit referral to our MFI partners. First time ever for most merchants.
Dues Auto-Sweep
Drivers station members? Your daily Collect payments auto-sweep to your station's Pay account. No cash handling. Zero leakage.
From registration to your first payment in under ten minutes.
Register
You or a Cornerstone agent registers your business: name, phone number, merchant type, and optional location. Takes under 5 minutes.
You receive: Your unique Merchant Code (e.g. 5XXXXX) via SMS.
Display Your Code
Print your Merchant Code on your station board, your market stall, your apron, your window. When a customer asks to pay, they dial *920*2026# and follow the Collect menu.
3Customer Pays
Customer dials *920*2026#, enters your code, and confirms payment. You and your customer both receive SMS confirmation instantly.
Money Moves and Record Builds
Funds move to your Collect account. You withdraw to your mobile wallet or bank at any time. Every transaction is logged. Your business record grows with every payment.
Built for every type of merchant.
1. Transport — Trotro, Taxi, Bus, Okada
Drivers accept fares digitally. No change disputes. No envelope collections at the station gate.
Your daily GHS 12 station dues auto-sweep to the station's Pay account the moment you receive them. One transaction. No middleman.
Your passenger's payment is your financial record. Three months of fares and you have a credit identity.
2. Market Traders — Fabric, Produce, Provisions, Electronics
Accept payment for any amount from any customer's phone. No minimum. No POS machine to rent or maintain.
Your Collect code goes on your stall board. Customers who don't carry cash can still buy from you. You do not lose a sale to "I don't have change."
Every transaction is a business record. The market cooperative treasurer can verify your turnover.
3. Food Vendors — Waakye, Chop Bar, Street Food, Catering
Take payment while your hands are busy. Customer dials. You receive the SMS. Serve the food.
Catering jobs? Take a Collect deposit to confirm the booking. The reference number is your proof of payment. No chasing clients for the balance on the day.
Your daily sales are visible, recorded, and yours.
4. Artisans — Mechanics, Tailors, Welders, Builders
Two transactions. Two references. Zero disputes.
Customer pays the deposit via Collect: Reference DEP-0041. Customer pays the balance on collection: Reference BAL-0041. The linked record shows the full job history.
When a customer says "I already paid" — you have the reference. When a lender asks for your business history — you have twelve months of Collect transactions.
5. Salons & Beauty — Hair, Nails, Skincare, Barbershops
No-show? Take a booking deposit through Collect before you set aside the appointment slot. If they do not come, the deposit is yours. The reference confirms the agreement.
Accept payment for any service from any client's phone. No card machine. No exact change required.
Your client base becomes your transaction history. Consistent weekly turnover. Visible to every lender.
6. Spare Parts — Auto, Electronics, Equipment
Accept bulk payments from mechanics and traders without handling cash on a busy workshop floor.
Track large orders across multiple payments with linked Collect references. Supplier invoice paid in three tranches? Three references. One clear record.
Your turnover as a spare parts dealer qualifies you for a supplier credit facility. Collect is the evidence.
7. Kiosk Operators — Provisions, Airtime, Water, Everyday Goods
The Credit Tab: your regular customers can run a tab through Cornerstone Collect. You record what they owe. They pay off at end of week. No notebook. No bad debts forgotten.
Accept payment for any item — GHS 1 airtime to GHS 500 in provisions — from any phone.
Your daily sales log becomes your business identity.
8. Professionals — Photographers, Tutors, Freelance Services
Confirm a job with a Collect deposit. The reference number is your contract. The client's SMS is their receipt.
Invoice your clients by Merchant Code. They pay from any phone. You receive confirmation before you deliver.
Your professional income has a formal record for the first time. Tax registration, loan applications, business bank accounts — all now possible.
You only pay when you get paid.
Zero setup fee.
Zero hidden charges.
1% transaction fee — paid by the customer
at the point of payment.
GHS 50 monthly charge.
Withdrawals to your mobile wallet or bank
account are completely free.
Everything else is free.
The customer pays 1%
"When your customer pays GHS 100, they pay GHS 101. The extra GHS 1 is Cornerstone's transaction fee. You receive GHS 100 in full. Nothing is deducted from you."
Free withdrawals
"Withdraw to your mobile money or bank account at no cost. On GHS 100 withdrawn, you receive GHS 100. No deductions, no fees."
Account requirements
"A flat GHS 50 monthly fee keeps your account active. Maintain a minimum balance of GHS 20 in your account at all times."
No transaction fees on your end. Ever. Simple.