Powering Africa’s Marketplaces—From Checkout to Settlement
UbuntuLink unifies mobile‑money, USSD and QR rails, pays vendors in seconds and gives finance a live readout of every shilling, naira and cedi earned.
Why E‑commerce Needs a Wallet‑First Stack
Sub‑Saharan shoppers abandon 93 % of carts when they don’t see trusted local wallets or USSD options. Mobile‑money now processes over 62 billion transactions a year yet remains bolted‑on in most gateways. FX spreads of 8‑12 % and 3‑5‑day settlements bleed marketplace margins.
UbuntuLink Pillars for E‑commerce Growth
Wallet‑First Checkout
One widget surfaces every major mobile‑money, USSD and QR rail per market— raising conversion and trust.
Split‑Vendor Payouts
Auto‑route platform fee, VAT and seller share in one transaction; vendors see T + 0 funds.
Live Operations Analytics
Approval, refund and wallet‑mix dashboards refresh each minute—no more day‑old CSVs.
FX & Stablecoin Rail
Swap local takings to USDT/USDC at interbank spreads, then off‑ramp anywhere vendors bank.
Fraud & Chargeback Shield
Device fingerprinting and velocity rules slash wallet fraud without hard declines.
Cashless COD & Last‑Mile
Couriers accept QR / USSD at the door; cash‑on‑delivery reliance halves and float risk shrinks.
Workflow Snapshot
1 · Shopper Pays
Wallet, QR or USSD checkout feeds funds straight into UbuntuLink.
2 · Split Engine
Platform fee, taxes and vendor shares routed instantly—no bank spreadsheets.
3 · Live Visibility
Dashboards & webhooks keep ops and finance synced in real time.
UbuntuLink Modules in Play
- Collections Suite – wallet‑first checkout & payment links
- Bulk Disbursements – instant vendor payouts
- FX & Stablecoin Rails – cross‑border treasury
- Beneficiary Management – seller KYC & onboarding
- Analytics & Reconciliation – live finance KPIs & auto‑match
- Security Suite – tokenisation, 2FA & anomaly alerts
Security & Compliance
Zero‑Trust API – OAuth 2.0, HMAC‑SHA256 signatures & IP allow‑lists.
Certified Infrastructure – ISO 27001‑certified, tokenised PANs keep you out of PCI scope.
Real‑Time Threat Monitoring – fraud & anomaly webhooks in < 500 ms.
