Commercial credit facilities, multi-lender directory access, and multi-provider retail BNPL. Let every customer and commercial client pay the way that works for them while you get paid 100% upfront.
Works seamlessly with
Solutions
Whether you operate an in-store retail counter or issue high-ticket commercial quotes, Spiral Pay equips your merchant operations to close more sales.
Turnkey retail operating OS for shops, boutiques, diagnostic clinics, and service counters. Generate instant payment links, accept all major BNPL providers, manage staff logins, and recover abandoned carts with zero card reader hardware required.
High-ticket purchase financing for commercial equipment suppliers, trade contractors, and wholesale distributors. Connect corporate clients to vetted brokers, receive 100% upfront payment, and carry zero default risk.
B2B Commercial Bottlenecks
Commercial deals collapse when high invoices collide with buyer cash constraints. Spiral Pay replaces risky trade credit with external financing.
"Clients walk away when high equipment prices require 100% cash up front."
Resolution: Embedded broker financing allows clients to finance capital equipment in hours.
"Extending 30, 60, or 90-day trade credit ties up working capital and slows growth."
Resolution: Receive loan payout up front upon approval without locking up company liquidity.
"Sales and accounting staff waste hours chasing overdue debtor books."
Resolution: Lending institutions service buyer repayments directly. You never chase debtors.
"We are suppliers, not registered credit providers or debt recovery specialists."
Resolution: 0% default risk carried by the merchant. The lender absorbs buyer credit liability.
Target Sectors
From high-ticket commercial equipment quotes to walk-in retail purchases across South Africa.
Excavators, wheel loaders, backhoes, bulldozers, and heavy earthmoving plant machinery.
CNC milling centers, tooling machinery, packaging lines, and industrial manufacturing plants.
Bulk timber, structural steel, plumbing packs, hardware supplies, and bulk raw materials.
Subcontractors, commercial fit-outs, fabrication specialists, and civil engineering teams.
Features
Generate a payment link and share it as a QR code or WhatsApp message in one tap: no card reader required.
Float, Yoco, Stitch, Payflex, PayJustNow, Mobicred. Connect your preferred provider and start accepting split payments today.
Watch every transaction land as it happens. Daily totals, live link status, and full payment history at a glance.
How it works
Pick products from your catalogue or type in a custom amount. Spiral shows the BNPL installment breakdown instantly.
Hit generate to get a QR code for in-store or a WhatsApp-ready link for remote sales. Each link opens a branded checkout.
Your customer completes payment through their BNPL provider. You receive instant confirmation and the dashboard updates live.
Join merchants across South Africa using Spiral Pay to close more sales with BNPL.
Launch dashboard