What's Included
Merchant Capabilities
This is the biggest roadmap item — most of it is not built yet.
QR & Wallet Collect
LiveMerchants can already accept payments via a collection code resolved by the wallet.
Dispute Management
LiveFull dispute lifecycle: evidence upload, contest, accept, admin decision.
Refunds & Reversals
LiveIssue refunds and reverse ledger entries with a full audit trail.
Settlements
LiveTrack settlement runs to merchant bank accounts.
POS / mPOS / SoftPOS Acceptance
Coming SoonCard-present acceptance through terminals or NFC-enabled phones.
Payment Authorization & Orchestration
Coming SoonMulti-processor authorization with automatic failover.
Merchant Onboarding & KYB
Coming SoonDedicated merchant application, risk screening and approval workflow.
Configurable Settlement Cycles & Fees
Coming SoonMDR/fee deduction and multi-party payout splits.
Honest Roadmap
Why This Is Marked Roadmap
A full merchant acquiring stack — POS terminals, card authorization, processor orchestration and settlement fee splits — is effectively a standalone payments platform. We already have the wallet-side building blocks (collection, disputes, refunds, settlements), but card-present acceptance requires integrating a real payment processor, which hasn't been scoped yet.
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