Electronic Purchase

Purchase is everyday spending on the Refah network. A holder pays a merchant; the merchant receives value in their account, not a promise. Institutions can restrict purchases to approved categories when funds are earmarked for food, fuel, or medicine. People who are not in a program can still pay merchants from their own wallet.

Merchants, markets, and program holders who need a clean way to pay and get paid.

How it works

1. 01

   Present

   The holder scans a QR, taps a card, or confirms in the app.

2. 02

   Authorize

   Refah checks balance and any program spending rules.

3. 03

   Capture

   The merchant is credited; the holder is debited.

4. 04

   Receipt

   Both sides keep a record they can export later.

What you get

• Instant confirmation

  The sale posts when it happens. No waiting to see if the payment stuck.

• Category rules

  Program funds can be limited to the goods they were issued for.

• Merchant accounts

  Sellers settle to wallet or bank through the same partner network.