Solution
Field solutions for PAYGO smartphones
A turn-key solution for device financing at scale: manage pay-as-you-go payment plans for your smartphone distribution business, sell on instalments, track repayment performance and give your buyers a smoother purchase experience.
Lock & unlock functionalities
Phones are remotely locked and unlocked based on payments made. Major Android brands are supported, with over 150 models, and automated payment reminders go out before every due date.
- Remote lock and unlock based on payments
- Major Android brands, 150+ models
- Automated payment reminders
Loan Management System (LMS)
A configurable pricing engine for repayment schedules, loan terms and down payments, with seasonality, penalties and promotions. Create as many pricings as needed.
- Create as many pricings as needed
- Repayment schedules, loan terms and down payments
- Seasonality, penalties and promotions
- Track repayment performance
End-customer app
A shopping-style app where customers manage their billing, refer friends and access discounts. Payments go through mobile money rather than USSD menus, and after-sales ticketing is built in.
- Billing managed in the app
- Referrals and discounts
- Mobile money payments
- After-sales ticketing
Partner & shop management
Manage resellers, shops and regions as separate entities with role-based permissions. Structures can be nested up to four levels.
- Resellers, shops and regions as separate entities
- Role-based permissions
- Nested up to four levels
Client management
Customisable customer journeys with a no-code contract questionnaire: signature, photo and GPS capture, optional credit checks and a full audit trail, protecting data quality at every step.
- Customisable customer journeys
- No-code contract questionnaire
- Signature, photo and GPS capture
- Optional credit checks and audit trail
Inventory management
Device ownership tracking with a full event history: defective units, repossessions and replacements, all handled with barcode and QR scanning.
- Device ownership tracking
- Event history on every unit
- Defective units, repossessions and replacements
- Barcode and QR scanning
Agent commissions
Agent-based commission schemes on daily, weekly or monthly cycles, paid as lump sums or percentages, by product or promotion, for all or selected agents.
- Daily, weekly or monthly cycles
- Lump sums or percentages
- By product or promotion
- For all or selected agents
Payment collection
Mobile money and cash handling, with direct integrations to many mobile money providers, cash reconciliation and cash limits, multi-currency wallets and SMS payment alerts.
- Direct mobile money integrations
- Cash reconciliation and cash limits
- Multi-currency wallets
- SMS payment alerts
All must-have features to run a successful PAYGO smartphones distribution business
- Multiple pricing terms
- Promotions, referrals and bundles
- Agent performance tracking
- Mobile app that works offline
- End-customer app
- Tailored configuration
- Data collection tool
- Powerful analytics and reports
- Access to additional modules
- Training academy available 24/7
Frequently asked questions
What is PAYGO smartphone financing?
Selling a phone against a down payment and daily, weekly or monthly instalments, with the device locked remotely if a payment is missed. It lets customers without a bank loan afford a smartphone, and lets distributors sell more phones with controlled risk.
Which phones can be locked?
Major Android brands, with over 150 models supported. Tell us which models you sell and we will confirm coverage.
Do I need all the modules?
No. The platform covers the whole journey; you keep the modules you need and we connect to the tools or teams you already have for the rest.
Does it work without internet?
Yes. The agent app works offline for onboarding and payments and syncs later. The phone needs a connection once to be set up for locking, and lock commands apply as soon as it reconnects.
How long does it take to launch?
A few weeks. We configure the pricing plans and the onboarding flow, train your team, and you start selling.
See the solution on your own phones.
Book a 30-minute demo. Bring a device you sell and we show onboarding, a payment plan and a remote lock, live.