Overview
Doss supports a merchant account type that allows businesses and individuals to accept wallet-to-wallet payments from customers. Merchants generate a unique QR code or payment link that customers scan or follow to complete a payment. All merchant payments are tracked in a dedicated payment history. There are two merchant types:| Type | Description |
|---|---|
| Standard | Accepts payments via QR code scan or shared payment link |
| Express | Standard capabilities plus an API integration (client_id and client_secret) for programmatic payment flows |
Creating a merchant store
Fill in store details
Provide the following:
- Business name (must be unique)
- Site URL
- Store type (
standardorexpress) - Address, latitude, and longitude
- Description (note)
- Logo (optional image upload)
- Default currency
Save the merchant
The merchant is saved and assigned to a default merchant group (which determines the applicable fee rate). A unique
merchant_uuid is generated.QR code for standard merchants
Standard merchants can display their store QR code so customers can pay by scanning it.Locate the QR code
The QR code is displayed on the store detail page. It encodes the merchant payment URL.
How customers pay merchants
Scan or open the payment link
The customer scans the merchant QR code or opens the shared payment link. The merchant store and currency are pre-filled.
Enter the payment amount
The customer enters the amount to pay (or the amount may be fixed for a specific transaction).
Confirm payment
The customer reviews the payment details and confirms. Funds are transferred from the customer’s wallet to the merchant’s wallet.
Merchant payments are deducted from the customer’s default wallet in the merchant’s configured currency. The merchant’s fee is set by the merchant group assigned to the store.
Express merchant payment flow
Express merchants support a programmatic payment flow powered by theExpressMerchantPaymentController. This enables third-party integrations to initiate payments on behalf of the merchant.
- Each Express merchant has a unique
client_idandclient_secretgenerated at creation. - The QR code for an Express merchant encodes a URL that includes the
client_id. - Payments initiated via the Express flow use the same wallet debit/credit mechanism as standard merchant payments.
Merchant payment history
All payments received by a merchant are visible in the merchant’s payment history:- Navigate to Store and open the relevant store.
- The payments tab shows all transactions linked to that merchant, including date, amount, currency, and customer details.
- Cashiers (sub-accounts under a merchant) see only the payments they processed.
- Managers and store owners see all payments.
Cashier accounts
Merchants can assign cashier sub-accounts to process payments on their behalf. Each cashier’s transactions are tracked separately under the merchant:- Cashiers see only their own transaction history.
- Merchant owners and managers can see all cashier transactions.
- Shift management is available for cashiers — shifts track total payments processed per session.
Related features
Invoices
Send itemized invoices that recipients pay from their wallet.
Request Money
Request a specific amount from another user.
Send Money
Transfer funds directly between user accounts.
Digital Wallet
View wallet balances and transaction history.