Merchants

Scaling merchant payments on RAAST: a responsible pricing blueprint for Pakistan

Affordable for merchants. Sustainable for providers. Built for Pakistan’s instant payment system.

Beyond Access: From Accounts to Opportunity

The World Bank’s Global Findex 2025 is a scorecard on how well countries, across the globe are transitioning from cash toward equitable digital payments. Headline number shows that 79 percent of adults now own an account, up 28 points since 2011. Financial exclusion for women remains significant and many accounts remain inactive.

Expanding Opportunities for Egypt’s Women- and Youth-Led MSMEs Through Digital Trade

A new collaboration between the Better Than Cash Alliance (the Alliance), the African Continental Free Trade Area (AfCFTA) Secretariat, the Central Bank of Egypt (CBE), and partners such as the African Union Women, Gender and Youth Directorate and AUDA-NEPAD is working to address persistent gaps in digital trade and financial inclusion.

The Trust Quotient: An ASEAN Policy Toolkit for Unlocking Responsible Digital Payments for Micro-Merchants

Real-world experiences from micro-merchants across ASEAN that highlight the factors that build or erode trust in DFS.

Our Work on Digital Public Infrastructure (DPI)

DPI, encompassing digital payments, identification, and data exchange, can significantly accelerate financial inclusion and economic growth. By enabling secure, scalable, and interoperable systems, DPI reduces costs, enhances security, and expands access to underserved populations.

Global engagement in scaling instant payments: insights, strategies, and trust building

Over the past few months, the Alliance facilitated a series of peer exchanges, bringing together the architects of some of the world’s most dynamic digital payment platforms—systems that process billions of transactions monthly, such as India’s Unified Payments Interface (UPI) and Brazil’s rapidly evolving PIX.

From Lagos to Abidjan: 1,000km of entrepreneurial energy in need of better digital payments

Our work in Bangladesh

Learn how the Alliance is advocating for inclusive digital payments for resilience and growth in Bangladesh.

2023 Annual Report

Scaling responsible digital payments to deliver the Sustainable Development Goals, particularly financial equality for women

Scaling Responsible Digital Payments in the Indonesian Cocoa Sector

The Government of Indonesia, with the Indonesian cocoa sector and the Better Than Cash Alliance has conducted a first-of-its-kind sizing exercise to assess opportunities for digital financial inclusion for smallholder cocoa farmers.

IWCA Endorses Responsible Digital Payments to Accelerate Women's Economic Participation in Coffee Value Chain

The IWCA endorses UN Responsible Digital Payments as a game-changer for women at every step of the coffee supply chain.

How to shape inclusive financial ecosystems with interoperable QR codes

Interoperability drives global digital inclusion. Over 25% more adults access government payments, but siloed systems hinder seamless transactions.

One single step can boost the GDP by 7%, create 4 million jobs: Report

تجارتی ڈیجیٹلائزیشن رپورٹ:اقوام متحدہ پاکستانی جامع اقتصادی ترقی کی ایک اہم محرک

بیٹر دان کیش الائنس اپنی تازہ ترین رپورٹ پیش کرتا ہے، جس میں MSMEs کو سپورٹ کرنے اور پاکستان میں ڈیجیٹل ادائیگیوں کے ماحولیاتی نظام میں ان کی منتقلی کو فعال کرنے کے لیے سفارشات فراہم کی گئی ہیں۔

Merchant digitization emerges as one key driver for Pakistan’s inclusive economic growth in UN report

The Better Than Cash Alliance presents its most recent report, providing recommendations to support MSMEs and enable their transition into the digital payments ecosystem in Pakistan.

Realizing the Promise of Responsible Digital Payments for Merchants in Pakistan

The Better Than Cash Alliance, in support of its member, the Government of Pakistan, and the State Bank of Pakistan, presents Realizing the Promise of Responsible Digital Payments for Merchants in Pakistan. The report provides a series of recommendations aimed at supporting MSMEs and enabling their transition into the digital payments’ ecosystem.

Responsible Payment Digitization in the Coffee Value Chain

The Pocket Guide to Responsible Payment Digitization in the Coffee Value Chain will inform stakeholders on opportunities and tools available for payment digitization.

Igniting women-led development with inclusive digital finance: G20 EMPOWER summit resounding appeal

G20 EMPOWER summit ignites the vital role of digital finance in achieving gender equality

Driving financial inclusion in the Philippines: Why last-mile communities are key to winning the battle

Instant Payments and Merchants— Pricing Policy Considerations

The paper explains the changes in pricing policy for instant payments compared to traditional card schemes and assesses their impact on market development.