PactPay: Agent Banking

PACT MICROFINANCE BANK LTD

About this app

Welcome to PactPay — the ultimate agency banking and POS companion for smart merchants and business agents. Turn your retail store or mobile business into a fully functional financial hub and earn attractive commissions on every transaction.

Whether you are running a neighborhood shop or managing a large merchant business, PactPay equips you with all the tools to accept payments, transfer funds, pay utilities, and manage cash flows instantly and securely.

Why Choose PactPay?
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* Seamless POS Integration: Full compatibility with Horizon K11 and leading POS terminals for card withdrawals.
* Instant Payouts & Settlements: Enjoy real-time wallet settlement so your funds are always accessible.
* Robust Offline Reliability: Built-in local SQLite database tracking helps you run and log transactions smoothly.
* Advanced Security: Financial-grade encryption, secure PIN entry, and device pairing keep your business safe.

Core Features:
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1. CARD WITHDRAWALS (CASH OUT)
Accept Visa, Mastercard, and Verve cards on your paired POS terminal. Process card withdrawals easily with automatic charge calculation and immediate wallet funding.

2. INSTANT BANK TRANSFERS
Send money to all commercial banks and financial institutions instantly. Perform fast wallet-to-wallet transfers with instant digital receipts.

3. AIRTIME & DATA VENDING
Purchase airtime and data bundles for all major telecom networks (MTN, Airtel, Glo, 9mobile) directly from your app with special agent discounts.

4. BILLS & UTILITIES PAYMENT
Pay electricity bills (prepaid & postpaid), cable TV subscriptions (DSTV, GOTV, Startimes), and other merchant bills in just a few taps.

5. AGENT UPGRADE & KYC MANAGEMENT
Upgrade your account limit directly within the app by completing secure KYC verification (Government IDs, BVN/NIN, utility bills).

6. BLUETOOTH & THERMAL RECEIPT PRINTING
Generate and print professional receipts for customers via Bluetooth thermal printers or integrated POS hardware. Keep digital receipts for record-keeping.

7. REAL-TIME BUSINESS ANALYTICS
Track your performance on a sleek dashboard. Analyze sales trends, payment method distributions, and top-performing services to grow your business.

Getting Started is Easy:
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1. Download the PactPay app.
2. Complete your sign-up in minutes.
3. Fund your wallet or pair your POS terminal.
4. Start transacting and earning commissions!

Developer & Support Contact:
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* Website: https://pactmfb.ng
* Support Email: [e-mail]
* Phone: [phone]
* Copyright: © 2026 PactPay. All rights reserved.

What’s new

# PactPay Version 1.11.0 Changelog

We have released version 1.11.0 to improve the merchant login experience, onboarding verification, and general data security.

### What's New:
• Fixed merchant login and verification errors.
• Improved passcode inputs to prevent validation failures.