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Capability Playbook

Payments & rails

Unify M-Pesa, card, and cash into one reliable payment flow.

See how Retaela supports payment rails with clean M-Pesa, card, and cash orchestration.

Customers expect to pay the way they want—when rails are fragmented, you get double entry, mismatched settlements, and support tickets that steal management time.

One payment story
M-Pesa, card, and cash post into the same transaction model so reporting stays coherent.
Fewer settlement surprises
Daily close ties tenders to payouts with clearer variance signals.
Faster dispute handling
Operators can trace a payment line to a receipt and a customer interaction quickly.
Transparent fees
Leadership sees rail-level economics without rebuilding spreadsheets from gateway exports.

See how it works in practice

Payments & rails workflow 1

Payments & rails

Enable the rails you actually sell on; define default tender order and fallback paths.

Payments & rails workflow 2

Payments & rails

Train staff on M-Pesa confirmations, card retries, and partial payments without breaking the sale.

Payments & rails workflow 3

Payments & rails

Reconcile by rail: expected deposits vs POS tenders with exception thresholds.

Payments & rails workflow 4

Payments & rails

Review rail mix weekly—where customers shift, and where costs or failures cluster.

  1. 01

    Week 1

    Audit last month’s payment exceptions and list the top five failure modes.

  2. 02

    Week 2

    Pilot rails in one store with side-by-side settlement checks for 7 days.

  3. 03

    Week 3

    Document customer-facing messaging for declines and timeouts.

  4. 04

    Week 4

    Launch broadly with a payment incident playbook and an owner per rail.