HOW IT WORKS
From Onboarding to Everyday Financial Operations
Digital Capital gives businesses a structured path into a connected ecosystem for payments, wallets, cards, supplier payouts, and customer payment journeys.
THE PROCESS
Eight steps to full platform access
Businesses begin by submitting their details through a structured onboarding flow designed to support regulated access.
The onboarding process includes business verification, identity checks, and activity review. This helps create a secure and compliant foundation for access to the platform.
Once approved, businesses can activate the parts of the platform relevant to their needs, including payments, wallets, supplier payouts, card issuing, and loyalty-driven QR payment capabilities.
Businesses begin accepting card payments online and in-store through the Digital Capital payment layer.
Incoming transactions settle into wallet balances, giving businesses faster visibility and direct operational access to funds.
Wallet balances can be used for supplier payments, connected to issued cards, or managed as part of broader operational money flows.
As customers return, loyalty journeys can move them toward wallet-based QR payments, improving retention and lowering repeat payment costs.
The business reduces payment costs while strengthening customer retention through a connected loyalty and payment journey.
WHAT YOU GAIN
From payment acceptance to a full financial operating model
Payment acceptance
Accept card payments online and in-store from day one, through secure and scalable infrastructure.
Wallet operations
Funds settle into wallets, giving you faster access and direct control over your working capital.
Card issuing
Issue cards against wallet balances to control how funds are spent across teams, partners, or customers.
Supplier payouts
Pay suppliers directly from wallet balances, simplifying the operational flow between revenue and outgoings.
Loyalty & QR payments
Retain repeat customers and lower transaction costs by migrating them toward wallet-based QR payments over time.
Better economics over time
As the ecosystem grows, each layer makes the others more valuable — improving margins and operational efficiency.
Ready to start your onboarding?
Talk to us about how Digital Capital can fit your business model.