Take a payment anywhere your customer is standing

QR wallet, tap-to-pay on iPhone, or a dedicated Stripe Terminal reader — one merchant account, one dashboard, one daily settlement to your bank.

Open a business account Talk to sales
Built for Timor-Leste merchants

One account, every payment method

QR wallet payments

Customers scan, confirm, and the sale credits your merchant wallet in seconds. No card network in the middle, no surprise interchange.

Tap-to-Pay on iPhone

Turn a compatible iPhone into a contactless reader. Accept Visa, Mastercard, and mobile wallets with no extra hardware to carry.

Stripe Terminal hardware

Plug in a dedicated reader for high-volume counters. Same merchant account, same dashboard, same daily payout cycle.

Refunds and disputes

Issue full or partial refunds from your phone. Track chargeback timelines and respond with evidence in a few taps.

Per-operator tills

Give each cashier their own login so every sale is attributed to the staff member who took it.

Daily reconciliation

End-of-day reports break down sales by method, operator, and shift so closing the till takes minutes, not hours.
Why merchants pick SOTCoin

A merchant account that fits a Timor-Leste business

The big card schemes weren’t built for storefronts in Dili, Baucau, or Maliana. Local banks were, but they stop at the bank. SOTCoin sits across both worlds — a merchant SOTCoin wallet that accepts cards, QR, and contactless payments, then settles every business day to the BNCTL, BNU, ANZ, or P24 account you already have. Add Stripe and PayPal alongside when you sell online, and the same dashboard reconciles all of them.
How it works

From first tap to settled funds

  1. Customer presents payment

    They scan your QR, tap a card, or hold their phone to your reader. Pick whichever method fits the moment.

  2. Confirmation in seconds

    The sale clears against your merchant SOTCoin account. Your dashboard updates in real time and a receipt is sent if requested.

  3. Daily payout to your bank

    Each evening we sweep the day’s takings to your linked BNCTL, BNU, ANZ, or P24 account. No manual transfers.
Keep going

Pair it with the rest of SOTCoin Business

In-Person POS

Use iPhone Tap-to-Pay or a Stripe Terminal reader at the counter.

Settlements

Daily payout to BNCTL, BNU, ANZ, or P24. Same-day visibility.

Merchant Dashboard

Sales, refunds, disputes, and operator reports on one screen.

Common questions

Do I need a card reader to get started?
No. You can accept QR wallet payments the moment your business account is approved. Add Tap-to-Pay or a Stripe Terminal reader whenever you’re ready.
What does it cost to accept a SOTCoin wallet payment?
Wallet-to-wallet transfers between SOTCoin accounts skip the card networks. See the live pricing sheet inside your dashboard for the current rate card.
How long until I receive the money?
Daily settlement. Funds from each business day land in your linked bank account on the next banking day.

Ready to accept your first sale?

Sign up online, verify your business, and start taking payments the same week.

Open a business account