Considering different ways to get paid?
A simple way to accept payments.
In person and online.
ThanksRaphy is a voucher ecosystem that powers both real-world and online commerce. Every payment becomes a digital voucher that settles sellers instantly and in full — whether a buyer taps an NFC tag at the counter or checks out on your storefront.
Non-custodial • Buyer-controlled • Clean, auditable flow
Two simple ways to take payment with ThanksRaphy
ThanksRaphy is designed to make accepting payments effortless. Whether you’re standing in front of a customer or sending them a link from anywhere, the process is simple, secure, and requires no setup beyond creating your PayPoint or listing.
In person: Tap or scan to pay — customers simply tap your NFC PayPoint or scan your QR code using their phone.
Online: Share a payment link — create a listing for any item or service and send the link via WhatsApp, social media, SMS or email.
The buyer completes the purchase in seconds using familiar payment options directly on their device.
You receive the full value of the sale immediately through the voucher system — no hardware, no accounts, no complications.
- • Tap or scan to pay with a single action
- • Works anywhere — no hardware required
- • Ideal for markets, services and on-the-go sales
- • Create simple listings for any item or service
- • Share payment links instantly
- • Suitable for remote customers, social selling and bookings
Both methods operate through the same underlying voucher system, ensuring a fast, predictable experience for both buyer and seller.
The voucher engine at the core
Every transaction in ThanksRaphy follows the same pattern: a buyer’s payment is converted into a single-purpose digital voucher that a seller redeems at full value. The payment rail can change. The environment can change. The voucher logic stays the same.
Buyer commits to a purchase
A product, a service, a tab, or an over-the-counter sale — in person or online.
They choose a payment rail
Card, Apple Pay, Google Pay, Yoco, Ozow, SnapScan and more — the buyer selects the provider.
Fees are surfaced and added on top
The provider’s fee is shown clearly and added above the base price. R100 becomes R103.40. The R3.40 covers costs, and can be rebated back to the buyer.
Payment becomes a voucher
The base amount (R100) is instantly converted into a single-use ThanksRaphy voucher tied to that seller.
Seller redeems at full value
The seller redeems the voucher for the exact amount they charged. No commissions. No hidden deductions. No funds held in the middle.
Why vouchers?
Vouchers let ThanksRaphy stay non-custodial and predictable. We don’t hold client funds, we don’t clip transactions, and we don’t create settlement risk.
Every sale is simply: payment → voucher → redemption. Two surfaces, one engine.
One ecosystem. Two surfaces.
From the outside, ThanksRaphy looks like two products: a physical PayPoint and a digital ecommerce platform. Underneath, both are just different doors into the same voucher engine.
Over-the-counter payments without the machine
ThanksRaphy PayPoint replaces card terminals with a simple NFC/QR tag. Buyers tap or scan, choose their provider, see the fees, and complete the payment on their own phones. The transaction becomes a voucher that settles the seller instantly.
- • No batteries, screens, or PoS hardware
- • Buyers control the rail and the cost
- • Fees live on top of the sale amount
- • Sellers receive full-value vouchers every time
Zero-fee online storefronts powered by vouchers
On the digital side, ThanksRaphy runs a fully-featured ecommerce framework. Sellers list their products, services, and ideas. Buyers pay using familiar methods, fees are added on top, and the base amount becomes a voucher that settles the seller at full value.
- • No listing fees, no sales commissions
- • Secure, modern checkout flows
- • Instant voucher settlement to the seller
- • Identical logic to PayPoint, just online
What makes ThanksRaphy different
We’re not a bank, not a marketplace middleman, and not another card terminal. We’re a voucher engine that keeps sellers whole and buyers in control.
Zero seller fees
Fees are surfaced to buyers and added on top of the price. Sellers receive the full amount they charge, every time.
Non-custodial by design
ThanksRaphy doesn’t hold client funds or run balances. Payment providers settle, vouchers redeem.
One engine, many rails
Card, wallets, QR, NFC — the payment rail is interchangeable. The voucher model stays identical.
Clean, auditable flows
Every transaction is a simple trail: buyer → provider → voucher → seller. Easy to track, easy to explain.
Physical + digital, unified
Street vendors, pop-up markets, online stores and creators all plug into the same voucher ecosystem.
Buyer-first transparency
Buyers see the real cost of their chosen rail and can be rewarded via fee rebates and incentives.
Ready to build on the voucher engine?
Launch fee-free ecommerce, enable PayPoint for your stalls and counters, or integrate the voucher flow into your own platform.