Transfers
Effortless Peer-to-Peer TransfersAt the heart of Co-op Pay is a seamless Peer-to-Peer (P2P) Transfer system designed to make sending and receiving money as simple as sending a text message. Whether you are splitting a bill, supporting a family member, or sharing resources with a fellow cooperative member, our platform ensures your funds move instantly and securely across the network. By eliminating the hurdles of traditional banking, Co-op Pay allows women to maintain full control over their finances, fostering a culture of mutual support and financial connectivity. With just a few taps, you can transfer USD balances or even your split debenture holdings to other users, ensuring that capital stays fluid and accessible within the community whenever it's needed most.
MSME Invoicing
Empowering MSMEs through Seamless InvoicingFor MSMEs in Zimbabwe, Co-op Pay offers a specialized Invoicing tool designed to bridge the gap between service delivery and secure payment. This feature empowers micro and small businesses to move away from informal, manual record-keeping by generating professional digital invoices that clients can settle directly within the Co-op Pay ecosystem. By formalizing the billing process, MSMEs can better track their cash flow, manage outstanding balances, and reduce the time spent chasing payments. This streamlined financial management not only builds trust with customers but also provides business owners with the organized data they need to scale their operations and achieve long-term sustainability in a competitive market.
CDEs
Women-led Co-op DebenturesAt Co-op Pay, we empower our community by providing exclusive access to OTC Women-led Co-op Debentures, a unique opportunity to directly support and invest in African women-led cooperatives. Through our platform, you can easily purchase these debentures to fuel grassroots growth or transfer them seamlessly to other users within the network. To ensure full transparency, detailed prospectuses are available on our homepage, allowing you to review the terms and objectives before making an informed decision. Your investment works for you in real-time: coupon payments are distributed pro-rata directly into your USD Wallet, and for maximum flexibility, debentures can be split into multiple decimals to suit your financial goals. Upon maturity, your holdings are automatically liquidated as USD into your wallet. Please note that these are private, Over-the-Counter (OTC) transactions with no public sale or exchange; by purchasing, you acknowledge and agree to the Co-op Pay terms of service and the specific conditions outlined in each debenture's prospectus.
Merchants
Flexible Merchant PaymentsCo-op Pay transforms the checkout experience by offering a multi-channel payment suite that fits the needs of every vendor, from boutique retailers to marketplace traders. Our integrated QR Code system allows merchants to accept payments instantly—simply display your unique code at your stall, print it on a receipt, or include it in a digital invoice for a "scan-and-go" experience. By supporting multiple payment channels, including mobile wallets and secure digital links, Co-op Pay reduces the friction of handling cash and eliminates the need for expensive traditional card machines. This versatility ensures you never miss a sale, providing your customers with a safe, contactless, and modern way to pay while giving you real-time confirmation and faster access to your funds in your USD Wallet.
Vouchers
Versatile Digital Vouchers for Gifting and GrowthThe Co-op Pay Voucher system offers a flexible way for users to digitize value for personal use, gifting, or business promotion. Whether you want to set aside funds for a specific purpose or send a digital gift to a friend within the community, you can instantly create vouchers directly from your USD Wallet. For merchants and MSMEs, these vouchers serve as a powerful tool to drive loyalty and pre-paid sales, allowing customers to redeem vouchers seamlessly at the point of purchase. This feature not only facilitates secure, paperless transactions but also adds a layer of convenience to the ecosystem, ensuring that value can be easily stored, shared, and spent across the Cooperative Economy.
