I am building a platform that helps multiple businesses accept mobile money payments and automatically reconcile successful payments inside the system.
I would like guidance on the best and officially supported setup for this model.
My main concern is around how collections should work when one platform serves many merchant clients. If the integration is created under the platform account, does that mean funds are received into the platform’s collections account first, or can each client business receive its funds directly?
We would prefer a setup where the platform does not have to hold or manage client funds if possible.
I would also like to understand:
- whether each merchant needs its own setup or credentials
- whether there is any supported third-party, platform, or aggregator model
- whether it is possible to collect funds and immediately forward them to the merchant automatically
- whether extra charges apply in that kind of flow
- what the recommended approach is for this type of use case
Any advice on the correct architecture and settlement model would be appreciated.
Thank you.