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Commerce infrastructure · Africa

The commerce
operating system
for Africa.

From your first WhatsApp order to your 50th branch. Mercado runs the storefront, the ledger, the inventory, and the money — on one sovereign platform.

Start free in 60 seconds →Talk to sales
Free tier forever. No card required.
1.4% + ₦50 per transaction — everything else included.
POS-LEK1 · LEKKISYNCED
Silk scarf · navy×2₦24,000
Wrap dress · M×1₦38,500
Beaded bag×1₦12,000
1
2
3
4
5
6
7
8
9
PAY
3 ITEMS₦74,500
P&LLedgerCash flow
APR 2026
Revenue
₦12.48M
+18.2%
Gross margin
42.1%
+1.4%
Net income
₦3.12M
+22.8%
The Mercado showcase

Ten services.
One continuous system.

Commerce · 01 / 08

A POS that lives in the cloud.

Every terminal, every branch, on the same ledger. Sub-100ms sync. Works offline, reconciles when it comes back.

● LIVE
Lekki-1
₦120k today
● LIVE
Ikeja
₦167k today
● LIVE
V.I.
₦214k today
● LIVE
Yaba
₦261k today
● LIVE
Lagos Isl.
₦308k today
● LIVE
Ajah
₦355k today
mercado/commerceLearn more →
WhatsApp · 02 / 08

Your DMs are now your storefront.

Customer types "send 2 silk scarves". AI parses, checks stock, quotes a price, sends a Paystack link. 420ms median.

hey pls send 2 silk scarves navy, size M wrap dress
◇ AI · 420ms
Order #294
Silk scarf navy × 2 — ₦24k
Wrap dress M × 1 — ₦38.5kTotal ₦62,500 · Pay ↗
mercado/whatsappLearn more →
Inventory · 03 / 08

Every branch. One truth.

When POS-Lekki sells the last ankara wrap, POS-Ikeja knows in 80ms. Multi-location stock, automatic transfers, low-stock alerts, per-movement audit trail.

Lekki
142 SKU · stable
Ikeja
3 SKU · LOW STOCK
V.I.
138 SKU · stable
Yaba
162 SKU · stable
IKEJA→ TRANSFER · 12 UNITS →LEKKI
mercado/inventoryLearn more →
Real-time · 04 / 08

Every terminal in sync. Always.

HTTP-native Server-Sent Events. POS, dashboard, mobile, third-party integrations — everyone reads the same state in under 100ms. No polling. No drift.

● ON
POS · Lekki
78ms
● ON
POS · Ikeja
82ms
● ON
POS · V.I.
74ms
● ON
Web dash
81ms
● ON
Mobile app
79ms
● ON
Webhooks
96ms
mercado/real-timeLearn more →
Finance · 05 / 08

Month-end closes itself.

Full double-entry from day one. Revenue and expense post to Retained Earnings automatically. Your FC gets her evenings back.

Close · April 2026● COMPLETE
Revenue → Retained Earnings₦12.48MDR
COGS → Retained Earnings₦7.22MCR
Operating expenses₦2.14MCR
Net income · April₦3.12M—
mercado/financeLearn more →
AI · 06 / 08

Intelligence in every transaction.

Forecast demand per-SKU per-branch. Detect anomalies before they become losses. Score every payment for fraud. The WhatsApp parser was just the start.

FORECAST · SLK-NVY
+34% in 14d · reorder soon
● ANOMALY · POS-LEK1
−32% sales · 11:00am vs 30d avg
FRAUD SCORE · ORDER #29498.4% safe
mercado/aiLearn more →
Developers · 07 / 08

Build a storefront. Ship a theme. Get paid.

TypeScript + Python + Go SDKs. Theme SDK for Next.js storefronts. Marketplace with revenue share. SSE, webhooks, idempotency keys baked in.

// theme.tsx
import { useCart, useProducts } from '@mercado/theme-sdk'
export default function Storefront() { ... }
MARKETPLACE
184 themes
+42 this month
REVENUE SHARE
70 / 30
creator / platform
mercado/developersLearn more →
BYOC · 08 / 08

Your cloud. Your keys. Our platform.

Enterprise deploys into your AWS account. Your KMS keys, your VPC, your region. NDPR-friendly, audit-friendly, acquisition-friendly.

CUSTOMER AWS
PostgreSQL
Primary ledger · your VPC
CUSTOMER AWS
S3
Receipts · your bucket
MERCADO
Orchestration
We run it · never copy data
MERCADO
SSO / SAML
Okta, Azure AD, Google
mercado/byocLearn more →
Platform & architecture

Built like infrastructure.
Not bolted-on plug-ins.

10↗
Microservices in production
3×
SDKs · TypeScript · Python · Go
<80ms
Sync latency across terminals
The merchant spectrum

One platform. Every merchant
from Yaba to the stock exchange.

Mercado doesn't pick a tier and make everyone else feel wrong. We scale from a first-time WhatsApp seller to a 50-branch retail group without ever asking you to migrate.

01 · STARTER

Starter

WhatsApp sellers, market stalls, side hustles. Sell from a phone before you sell from a shop.

e.g. a vendor selling ankara wraps from a single chat thread
Free forever· Set up in 8 minutes
WhatsAppPOSReceiptsInventory
Start free →
02 · GROWTH

Growth

Single-shop boutiques, restaurants, salons. Bookkeeping that posts itself, loyalty that pays off.

e.g. a single-shop boutique doing ₦4M/mo across two channels
from ₦15,000/mo· Auto-bookkeeping out of the box
StorefrontLoyaltyPromosMulti-channel
See pricing →
03 · SCALE

Scale

Multi-branch chains — 2 to 50 locations on one real-time ledger. Close the month in days, not weeks.

Lekki
120 SKU · ok
Ikeja
3 SKU low
V.I.
142 SKU · ok
Yaba
153 SKU · ok
Ajah
164 SKU · ok
Ojuelegba
175 SKU · ok
e.g. a QSR group running 12 branches on one ledger
from ₦75,000/branch/mo· Sub-100ms sync across every terminal
Multi-terminal SSEPer-branch P&LAuditRBAC
Talk to chains team →
04 · ENTERPRISE

Enterprise

Large retailers, marketplaces, government, regulated industries. Your AWS account, your KMS keys, our platform team.

CUSTOMER AWS
PostgreSQL
Primary ledger · your VPC
CUSTOMER AWS
S3 + KMS
Receipts · your bucket · your keys
MERCADO
Orchestration
We run it · never copy your data
MERCADO
SSO / SAML
Okta · Azure AD · Google
e.g. a regulated marketplace running on sovereign cloud with SSO and white-label
Talk to sales· BYOC + SSO + custom SLA
BYOC · AWSSSO/SAMLWhite-labelCustom SLANDPR & GDPRDedicated CSM
Contact sales →
Product pillars

Everything commerce needs. One codebase.

Ten microservices, one hexagonal architecture, zero bolt-ons. Every sale posts to the ledger in real time. Every branch sees the same stock. Every refund has an audit trail.

01 / COMMERCE

Sell anywhere your customer is.

Storefront, WhatsApp thread, POS terminal, marketplace. Same catalog, same prices, same inventory — resolved server-side so nobody can fake a discount from the client.

● WHATSAPP482 orders
today
● POS₦1.84M
in 4 terminals
● STORE18,924
sessions
● SSE<80ms
sync latency
products/commerceSee how it works →
02 / FINANCE

Your accountant will love you.

Full double-entry accounting. Every sale posts a journal entry. Month-end close with closing entries to Retained Earnings. Running balance per account, like a bank statement.

Sales — LagosAPR 2026
DATEENTRYDRCRBALANCE
APR 01Opening balance₦4.82M
APR 12Sale · POS-LEK1₦124,500₦4.94M
APR 18Sale · WhatsApp #294₦62,500₦5.01M
APR 18VAT payable₦4,375₦5.00M
products/financeSee how it works →
03 / INVENTORY

Every branch. One truth.

Multi-location stock, automatic transfers, low-stock alerts, reservations, per-movement audit. When POS-Lekki sells the last ankara wrap, POS-Ikeja knows in 80ms.

Lekki
142 SKU · stable
Ikeja
3 SKU low
V.I.
138 SKU · stable
Yaba
162 SKU · stable
IKEJA→TRANSFER · 12 UNITS→LEKKI
products/inventorySee how it works →
04 / PAYMENTS

Every African rail, reconciled automatically.

Paystack, Flutterwave, Stripe, bank transfer, cash, mobile money. Split settlement, partial refunds, automatic reconciliation into the journal — no CSV wrangling at month-end.

P
Paystack
NG · card + transfer
62%
F
Flutterwave
GH · KE · ZA
18%
M
MTN MoMo
KE · GH · RW
12%
C
Cash
POS · offline
6%
S
Stripe
Cross-border
2%
products/paymentsSee how it works →
05 / CUSTOMERS

Profiles, LTV, segments — without leaving the platform.

Every order updates the customer record. Lifetime value, last visit, channel mix, segment membership — built in, queryable from the API, exportable to your CRM if you still want one.

Top customers · April2,840
A
A. OkonkwoChat · 23 orders
₦248K
T
T. BakareWeb · 18 orders
₦187K
M
M. YusufPOS · 14 orders
₦142K
C
C. EzeChat · 9 orders
₦98K
products/customersSee how it works →
06 / PROMOTIONS

Promotions that move top line, not margin.

Codes, automatic carts, BOGO, tiered loyalty, scheduled drops. Every redemption logs against the journal so you see lift and margin impact in finance — not in a spreadsheet a week later.

Active campaigns4 LIVE
WELCOME1010% off first order1,284+18%
VIP15Loyalty tier 3472+24%
BUY2GET1Buy 2 get 1 · ankara186+11%
EASTER25₦25k off · 50k+94+7%
products/promotionsSee how it works →
07 / NOTIFICATIONS

Reach customers on the rail they actually use.

WhatsApp template messages, transactional email, SMS, in-app push. One API, four rails, automatic fallback when the first one fails. Every delivery logged for the auditor.

W
WhatsApp
4,820 sent · 99.2% delivered
62%
E
Email
2,140 sent · 98.4% delivered
28%
S
SMS
564 sent · fallback only
7%
I
In-app push
241 sent
3%
products/notificationsSee how it works →
08 / AI

Intelligence in every transaction.

Demand forecasting per SKU per branch. Anomaly detection on cash flow. Fraud scoring on every payment. The WhatsApp parser that started it all is just one model among many.

FORECAST · SLK-NVY · 14d
+34% · reorder soon
● ANOMALY · POS-LEK1
−32%
vs 30d avg · 11am
FRAUD SCORE · ORDER #294
98.4%
safe · clear to ship
REORDER · 3 SKU PENDING
3
auto-PO ready
products/aiSee how it works →
Why Mercado

Built for how Africa actually sells.
Not a generic theme with a Naira symbol.

◐

WhatsApp-native commerce.

A customer DMs "send 2 silk scarves size M". Our parser extracts the order, checks stock, quotes a price, posts a journal entry, and sends a Paystack link — in 400ms. No forms. No CSVs. Just chat.

◑

Accounting built in, not bolted on.

Double-entry on day one. Every sale posts journal entries. Month-end close moves revenue and expense to Retained Earnings. Running balance per account, per-account snapshots for point-in-time audits.

◆

BYOC for enterprise.

Bring Your Own Cloud. Your data lives in your AWS account, your keys, your VPC. We operate the control plane; you own the substrate. NDPR-friendly, audit-friendly, acquisition-friendly.

For developers

The API behind
African commerce.

REST + SSE + webhooks. SDKs for TypeScript, Python, Go. Theme SDK for Next.js storefronts. Live, runnable docs.

Idempotency keys and event IDs on every mutation
Server-Sent Events for real-time — HTTP-native, scales
Sandbox mode with realistic Naira / Cedi test data
Theme marketplace with revenue share
Read the docs →
$ curl -X POST https://api.mercado.africa/v1/orders \
  -H "Authorization: Bearer $MERCADO_KEY" \
  -d '{
    "channel": "whatsapp",
    "customer_msisdn": "+2348012345678",
    "items": [{ "sku": "SLK-NVY", "qty": 2 }],
    "currency": "NGN"
  }'

# → order created, inventory reserved, Paystack link returned,
# → journal entry posted (DR Inventory · CR Sales · CR VAT Payable)
Security & compliance

Built for the auditor,
not for the demo.

Every action is audit-archived. Enterprise deployments run in your AWS account with your KMS keys. We can't see your data unless you let us.

Read the security whitepaper →
SOC
SOC 2
Type II in progress · Q3 2026
NDP
NDPR
Nigerian Data Protection
PCI
PCI-DSS
Via certified processors
GDP
GDPR
EU data residency option
AES
AES-256
At rest + in transit
ISO
ISO 27001
Audit starting Q2 2026

Start free in 60 seconds.

No credit card. Free tier forever on the core. Revenue only when you have revenue — 1.4% + ₦50.

Create your store →Talk to sales