Use Case

Operational Excellence

Digital Payment


The reliance on cash payments poses significant challenges for smallholder farmers and buyers, ranging from limited financial access to the risk of fraud.

Addressing these concerns is essential to boost sustainability, compliance and equity in agri-business. Digital Payment methods are the way forward and the only way to ensure trust, transparency, and traceability.

The Problem

Cash payments present significant challenges for both smallholder farmers in developing countries and their buyers.

These challenges encompass limited access to finance, the preference for cash over digital payments due to transaction fees, and the risk of fraud and financial loss (with potential leakage of up to 10% of farmers’ compensation for each unit of produce sold).

Cash Payment Challenges

Challenges of cash payments in agriculture include limited financial access for smallholder farmers, the risk of fraud, and buyer security.

Promote Sustainability & Equity

The focus is on improving farmers’ financial well-being and enhancing industry transparency.

Fraud Reduction

Many studies have shown that the first mile of agriculture in Africa has to endure up to 8% of revenue lost due to fraud. Higher cash dependency allows multiple third parties at lower levels to mismanage money.

Due to poor first-mile traceability in their supply chains, fulfilling all these obligations is a major challenge for businesses.

Companies have struggled to:

Track cash and other forms of payments in one place.

Gain overview on financial improvement projects.

Reduce fraud along their supply chain.

Research shows that many smallholder farmers are open to adopting digital payment solutions.

The Solution

Farmforce, through digital identities and its mobile app, already enhances smallholders’ access to loans and premium payments and provides cash transaction tracking. And we go beyond this by providing complete digital payment solutions. 

Increased Transparency

Allows user-based access control to the Digital Payment feature. This is coupled with the powerful Payment Rules engine, which can be designed to control settlement and transaction creation while ensuring upper and lower limits on transaction amounts and many other levers.

Key Features

Live payment status on web and mobile: Allows live status of payments to be visible to the web tenant admin and the on-ground field staff. This not only reduces the chances of fraud but also gives clear transparency across the supply chain, including the farmers.

Tenant admin role controls: The web admin can control which rights are to be assigned to different staff. This gives them a transparent ability to manage seamless transactions without exposing all details to all users

Transaction Management

Allows user-based access control to the Digital Payment feature. This is coupled with the powerful Payment Rules engine, which can be designed to control settlement and transaction creation while ensuring upper and lower limits on transaction amounts and many other levers.

Key Features

Flexible Transaction Flows: Multiple types of different transactions viz B2B, B2P, and P2B transactions can be simultaneously managed on the same tenant.

Scheduled or Manual Approvals: Approvals for payments can either be pre-schedule via the predefined rules or can be approved individually or in bulk by the web tenant admin

Custom Payment Transfer API

Thanks to this tool, our system sends payment instructions in a certain format to the switch or directly to the financial institution.

Key Features

Transaction ManagementThis is a singular view to link harvest collection data with external payment transaction data. It allows the user the flexibility to approve settlements in batches, individually or regularly scheduled phases. It also provides custom payment summary reports to master users and allows them to provide subsidiary user control.

API: is a set of rules and tools that allows different software applications to communicate with each other. It defines the methods and data formats that applications can use to request and exchange information. Farmforce builds Custom Transfer API’s for our customers, designed specifically for transferring data (or payments) in a  specialised manner that meets the requirements each individual customer and their payment systems.

APIs with different banks and payment gateways can be configured for local or national payments.

Why Does It Matter?

Increase farmers’ income

Our software, designed for more sustainable farm management, eliminates payment leaks while linking smallholder farmers to new financial opportunities and markets.

increase trust

Digital payment traceability enhances transparency in financial transactions between farmers and buyers. When farmers trust that they are being paid fairly and on time, it fosters trust in the entire value chain. This trust can lead to more stable and sustainable relationships between farmers and buyers.

New Business Opportunities

Digital payment traceability generates data that can be used to provide farmers with valuable insights into their operations. This data can help them make informed decisions, optimise their farming practices, and explore new business opportunities, such as diversifying crops or expanding into new markets.

Case Studies

DigitAlising the Cocoa Process

Supercharging GCB Cocoa’s Sustainability in Cote d’Ivoire

GCB Cocoa has already used our food tech in Cote d’Ivoire, where they directly implement sustainability programs. As it stands, GCB Cocoa deployed our sustainable food supply chain management Software as a Service (SaaS) across 11 cooperatives, covering nearly 6,000 smallholder farmers altogether.

frome earth to skin

Fairoils: Empowered by Farmforce

Fairoils is harnessing Farmforce’s first mile data capabilities to manage thousands of smallholder farmers in Africa.

Interested in learning how Farmforce could work for you?

The Traceability Barometer Report

Free Insightful Analysis and Trends for Your First Mile