Emerge Mobile launched a bank-agnostic SME facing mPOS business in the South African market called ‘iKhokha’ (www.ikhokha.com) at the end of 2014. iKhokha is a merchant acquiring aggregator, supported by ABSA bank, operating through a combination of physical, digital, and channel partner relationships (including retail and financial services) with unparalleled frictionless on-boarding and customer service.


With over 75% of the adult population in SA in possession of bank cards and only

6% of SMME’s able to accept card payments, iKhokha is well positioned to drive acceptance aggressively and scale exponentially. iKhokha has approximately 13 500 contracted mPOS merchants with transaction volumes per merchant ranging from a low position of R10 000 to over R200 000 totalling in excess of R125 million per month. iKhokha’s governing focus is on emerging markets and strives to facilitate the growth of SME’s in South Africa and other Emerging Markets through the provision of easily accessible, low cost disruptive mobile payment technologies and financial services; and provide financial inclusion to the under-represented stand alone and informal businesses.


Emerge Mobile is a South African based technology services, software and hardware development house, positioned at the forefront of global super merchanting through Mobile Point of Sale (mPOS), Mobile Payments, and value added services. Emerge Mobile provides an end-toend mobile POS solution that is positioned as a services

and technology provider that seeks to enable Acquirers / Retailers / MNO’s and

other potential market players with the ability to rapidly compete within merchant aggregation through providing a turnkey Mobile Point of Sale (MPOS) platform solution.


Emerge Mobile leveraged the mature mobile payments platform that exists within other Crossfin portfolio assets and provides a broad offering of peripheral value adds, that empower the merchant base. By owning all of the IP, Emerge Mobile is able to control and adapt its technology as the market evolves and thereby unlock additional revenue streams for its clientele.


Emerge Mobile’s initial ‘Edge Adapter’ was the first South African and African locally designed, developed and manufactured mobile point of sale (mPOS) device to obtain the full set of international security accreditations required to offer mobile Chip and Pin card based transaction processing. Emerge Mobile currently sources its latest mPOS devices internationally out of Eastern Europe from Datecs. Devices land at the same cost of the original Edge manufacture however also include both blue tooth and tap and go “near field” capability maintaining pace with the hardware and regulation evolution.


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