Make in-store payments feel effortless with QR-Payment.
Our partners affiliates
Onkout, Ltd. is a financial technology service company, not a bank. Banking services are provided by Onkout's banking affiliate, Galaxy International Bank, Ltd., Premier Bank, Ltd., and Bushra Business Bank, Ltd. (BBbank). Members of the Central Bank of Somalia (CBS).
Fraud is no match for your
uniquely generated QR-Code that is linked to your Damiin.
Keep your fhi3uh75983q7 h50f8237eh509 2fU40387h4029 Dh357hr29837 transactions yours.
Built for MSMEs that are on the go and in-store businesses
In person
We understand that MSMEs work in challenging environments, that’s why we developed a secure uniquely generated QR–Payment, so businesses don’t have to share their personal phone number to take payments at their wooden–table businesses or on the go, supported by reliable payment processing software.
Sell anywhere
Authorize your business’ss uniquely generated QR–Payment code with your staff—no need for a checkout counter to accept payments for a specific item or service.
Built-in security
Fraud protection, data security, Damiin as Know Your Customer (KYC), and PCI compliance are built into your QR–Payment to better secure your POS and protect customer personal data.
Existing Transactional MSMEs Experience
MSMEs
Powering more inclusive market
Onkout QRP Tool MSMEs Experience
MSMEs
Powering more inclusive market
Keeping MSMEs safe in an uncertain market
One-stop solution for MSMEs safety & security
Together with Onkout
Customers understanding their vendors is the first step for MSMEs to truly thrive in a scared market and for the vendor to better protect themselves against unlawful activities.
Learn about our self-risk assessment services
KYB (Know Your Business)
Giving the customer the ability to check and verify the identity of the business. This process helps ensure the customer is engaging with a legitimate business.
KYC (Know Your Customer)
Vice-versa the vendor also has access to verify accurate customer information, such as virtual identification documents, a profile photo of the account holder, and other relevant data.
KYT (Know Your Transaction)
The vendor and customer are both monitoring each other’s transactions in real-time, so both individuals and entities can quickly identify suspicious activities and take necessary action to minimize their risks.
Accessibility
We are building an inclusive digital ecosystem accessible to everyone.
Scan and go. Itʼs that easy, for contactless QR–Payment with just your phone
Transparent pricing. Always.
2.6% + 15¢ per tap. What business likes surprises? That’s why Onkout processing rates are clear from the start—one set rate by payment method, no hidden fees, and no long-term contracts.
View Pricing
Sell on the go
Scan to Pay on iPhone or Android streamlines payments so you can sell anywhere in Somalia, including Baidoa, Hudur, Beletwyne, Dhusamareb, Dollow, Galkayo, Garowe, and Jowhar. If you have internet or cellular connection, you’re in business.
Explore Scan to Pay
Everything you need to run a business
Make informed decisions with the B-in control Dashboard, reach out to customers with e-Suuqa Marketing, and manage it all directly from your phone.
Explore Tools
Plays well with others
Think of Scan to Pay on iPhone or Android as just another way to take payments. Onkout works with any smartphone you use, sending the money you make directly to your B-in control checking account.
See How It Works
The beauty of contactless payments.
Accept payments, now with the security of Galaxy International Bank (GIB). Onkout doesn’t store card numbers or PIN information on your Smartphone (iPhone or an Android phone), helping protect your business and customer data. Combine that with GIB security standards: fighting fraud for you, managing disputes, and supporting your PCI compliance.
“I love how QR–Payment works on my smartphone. It gives me peace of mind, while my daughter is working at the shop alone.”
Faduma Ali – BILAN Baseline Study
Get one plan for your
entire business
Keep track of customer data when you run your business with Onkout. No hidden fees or locked-in contracts. Cancel or switch plans anytime.
FAQ
All the tools that Micro Small and Medium–sized businesses need to get the job done.
Taking in-person contactless payments right on your smartphone, from B-in Control QR–Payment interactive POS, to your Galaxy International Bank (GIB) account.
Onkout, the Onkout logo, BlueStar Digital Banking Financial Services, Onkout B-in Control Business Management, and others are tools and trademarks of Onkout, Ltd. Onkout Ayuuto Cultural Financial Saving is wholly owned by Onkout, Ltd.
Onkout, Ltd. is a financial services platform, and the Central Bank of Somalia (CBS) regulates Onkout’s tools through our third-party bank partner affiliate, Galaxy International Bank, Ltd., so as to inspect all or part of a risk-based framework focusing on Damiin AML/CFT compliance, Onkout’s BlueStar tool e-money licensing, minimum capital requirements, and QR–Payment digital payment security.
Onkout Bank Account
Onkout Bank Account is issued by partner banks, Member SBS. Instant availability of Onkout Payments. Funds generated through Onkout’s payment processing services are generally available in the Onkout Digital Bank account balance immediately after a payment is processed. Fund availability times may vary due to technical issues.
Onkout’s Ayuuto Cultural Savings
Group savings accounts are provided by Onkout’s Digital Banking BlueStar affiliate, Galaxy International Bank, Ltd., Member CBS. Accrue a group participation yield (GPY) of 1–5% per folder on folder balances over $10. GPY is subject to change, current as of 8/9/2026. No minimum deposit is required to open an account.
The rate of our cultural savings group account is more than 2x the national average of 0.41% GPY, based on the national average of Ayuuto+ culturally group savings rates published in Onkout’s geedi-socodi Daily, Weekly, and Monthly National Rates and Rate Caps, accurate as of 8/9/2026.
Onkout’s Ayuuto Cultural Savings and Loans
All loans are issued by Onkout’s Digital Banking BlueStar in collaboration with Onkout’s banking affiliate Galaxy International Bank, Ltd. The actual fee depends upon the contribution payment to the Ayuuto+ group pool processing history, loan amount, and other eligibility factors. Loan eligibility is not guaranteed. All loans are subject to credit approval.
Onkout’s Permit–Hub
In commitment to our mission of empowering survivalists and MSMEs, we utilized insights and approvals from the municipality to partially design and develop a new, independent business registration system. A business Permit is a digital document issued through Onkout’s B-in Control tool by the municipality’s local government Directorate of Business and Industrial Development.
The mandate of the Directorate of Business and Industrial Development is to issue business permits through the Onkout(s) B-in Control tool. It’s also mandated to regulate and stimulate the different sectors while raising the level of jobs in their respective municipal jurisdictions and controlling businesses through the issuance and renewal of Business permits.