SVC.03

Payments & Financial Infrastructure

Selling should be simple. Getting paid should be effortless.

Accept the payment methods your customers actually use — and settle money into the bank, mobile or paybill account you actually use.

The platform behind it

Built for the way modern fashion is sold.

Payments are where most fashion sales are won or lost. If a shopper can't pay the way they want, in the currency they want, they don't try again — they leave. SwiteFashion's payments infrastructure brings mobile money, local cards and global methods into one secure checkout.

The business challenge

Most fashion brands lose sales long before the customer ever sees the product.

Lost revenue every day

Every minute your store underperforms is an order placed with a competitor. Even a 1-second delay or a missing payment option can cut conversion by double digits.

Wasted marketing spend

Paid traffic that lands on a slow, confusing or untrusted store burns budget without producing sales.

Damaged brand reputation

A clunky storefront tells shoppers your brand isn't worth full price.

Operational chaos

Manually matching M-Pesa messages to orders, juggling spreadsheets and chasing inventory pulls your team away from selling.

Our solution

How Payments & Financial Infrastructure solves it.

Payments are where most fashion sales are won or lost. SwiteFashion's payments infrastructure brings mobile money, local cards and global methods into one secure checkout, settling funds into the account format that works for your business.

Instead of stitching tools together, you get a single platform that handles the work — so your team can focus on creating products, telling your brand story and serving customers.

The benefits

Measurable business outcomes, not just features.

Higher conversion rates

Offering M-Pesa, Till, Airtel Money and cards in one checkout removes the #1 reason carts get abandoned.

Sell across borders

Visa, Mastercard, Apple Pay, Google Pay, PayPal and multi-currency support let you take orders from customers anywhere.

Money lands where you want it

Settle to your bank (KSH or USD), M-Pesa, Paybill, Till, Airtel Kenya or Telkom Kenya account.

Increased customer confidence

A familiar, secure checkout with the methods shoppers already trust reduces hesitation right at the moment of purchase.

Safer transactions

3DS, tokenisation and fraud screening protect you from chargebacks that quietly eat margin.

Reduced manual work

Automatic confirmation and reconciliation replace the manual matching of M-Pesa messages to orders.

What's included

Everything you get with this service.

Book a consultation

M-Pesa Express

STK push checkout that lets Kenyan shoppers pay in seconds without leaving the store.

M-Pesa Till

Accept payments straight into your business Till account with automatic confirmation.

Airtel Money

Native Airtel Money checkout for shoppers across the Airtel network.

Visa & Mastercard

Local and international card acceptance through PCI-DSS compliant processing.

Apple Pay & Google Pay

One-tap wallet checkout that removes the friction of card entry on mobile.

International cards

Take payments from global buyers without forcing them through workarounds.

PayPal

Familiar global checkout for shoppers who prefer to pay with their PayPal balance.

Secure checkout

A unified, encrypted checkout that meets the trust bar shoppers expect.

Automatic payment confirmation

Orders move to paid instantly when funds clear — no manual reconciliation.

Multi-currency support

Display prices and accept payment in multiple currencies for international shoppers.

Fraud protection

3DS, tokenisation and risk scoring screen suspicious orders before they cost you.

Fast merchant payouts

Settle into KSH or USD bank, M-Pesa, Paybill, Till, Airtel or Telkom Kenya accounts.

Built for the fashion industry

Trusted by every kind of fashion business.

Fashion Designers

Clothing Brands

Boutiques

Streetwear Labels

Luxury Fashion

Jewellery Stores

Footwear Brands

Sneaker Stores

Beauty Brands

Cosmetics

Haircare

Skincare

Lifestyle Brands

Accessories

Handmade Products

How it works

From sign-up to selling.

Gateway Provisioning

We activate the payment methods your customers use, from mobile money to global cards.

Settlement Setup

We link your bank, M-Pesa, Paybill, Till or Airtel account for clean payouts.

Test Transactions

We run real-device test orders across every method before you go live.

Receipt Configuration

Receipts, confirmation emails and invoice records are set up for clean accounting.

Go-Live Verification

Final checks confirm payments, payouts and fraud protection are working end to end.

Business outcomes

Measurable improvements to your business.

Live multi-method checkout

Mobile money, cards and wallets all working at the same secure checkout.

Predictable cashflow

Funds settle automatically into the account you actually use to run the business.

Audit-ready receipts

Clean transaction records ready for accounting, tax and reconciliation.

Lower fraud exposure

Built-in fraud screening reduces chargebacks and silent margin loss.

Why fashion brands choose SwiteFashion

One platform. Built for fashion. Designed for growth.

Built specifically for fashion

Not a generic store builder retrofitted for clothing. Variants, drops, restocks and returns are first-class.

Premium by default

Every storefront launches with the polish, pace and presentation of brands shoppers trust at full price.

Easy to manage

Non-technical owners run the day-to-day. Products, pricing, banners and collections update in minutes, not sprints.

Secure & reliable

Enterprise-grade hosting, SSL, DDoS protection, automated backups and continuous monitoring.

Scales with your brand

From a 20-piece capsule to a 10,000-SKU catalogue on the same platform. No re-platforming, no lost momentum.

Local & global payments

M-Pesa, Till, Paybill, Airtel Money, Visa, Mastercard, Apple Pay, Google Pay, PayPal and multi-currency — one checkout, every customer.

Real ongoing support

A team that understands fashion commerce, available for performance reviews, technical issues and growth conversations.

Always improving

New features and platform improvements roll out automatically. Your store gets better every month without an upgrade project.

Transparent pricing

A clear monthly subscription. No setup fees, no commission on sales, no long-term lock-in.

A long-term partner

We measure success by your growth — repeat customers, higher AOV and steady revenue — not by short-term project wins.

Frequently asked questions

Answers for fashion business owners.

Everything you need to know about how payments & financial infrastructure works inside the SwiteFashion platform.

Can I update my store myself?

Yes. Products, pricing, banners and collections can all be updated without technical skills — directly from the dashboard.

Is my store mobile optimised?

Every SwiteFashion store is mobile-first by default. Every component is tuned for the phone, which is where the majority of fashion traffic happens.

Can I upload unlimited products?

Yes. There is no catalogue ceiling on any plan. Grow from 10 SKUs to 10,000 on the same platform.

Can I accept international payments?

Yes. Visa, Mastercard, Apple Pay, Google Pay and PayPal are all supported, along with multi-currency pricing.

Is customer support included?

Yes. Technical support from a team that understands fashion commerce is included in the monthly plan.

Does SwiteFashion handle hosting and security?

Yes. Hosting, SSL, DDoS protection, automatic backups and continuous monitoring are all managed for you.

How quickly can my store go live?

Most stores go live within days of sign-up. Complex catalogues may take a little longer, but the process is fast.

Do I need any technical or coding skills?

No. SwiteFashion is designed for fashion business owners, not developers.

What happens if my catalogue grows?

The platform scales with you. You don't need to migrate or re-platform as you grow.

Can I sell internationally?

Yes. Multi-currency, international payment methods and cross-border shipping are all supported.

How is my customer data protected?

All data is stored securely with enterprise-grade infrastructure, SSL and regular security audits.

What if I already have a store on another platform?

We can help migrate your products, customer data and orders to SwiteFashion.

Are there hidden fees or long-term contracts?

No hidden fees. No commission on sales. No long-term lock-in. Month-to-month after setup.

Take the next step

Whether you’re launching a new clothing label, scaling a boutique, selling handmade jewellery or building a luxury fashion house, SwiteFashion gives you the platform, infrastructure and partnership to sell with confidence — locally and globally.

Launch in days, not months

Sell with M-Pesa, cards and global wallets

Premium storefront on every device

Ongoing support from a fashion-focused team

No setup fees · No commission on sales · Cancel anytime

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