Sweets, airtime, IOUs on paper — and it isn’t only coins: a $10 note on a $1.50 bill is $8.50 you must find. Marii Credit puts that change on a card carrying your shop’s name instead, spent only at your till. The customer gets an SMS from you; you get a guaranteed next visit.
Ninety seconds: the change conversation, the tap, the SMS — and the customer coming back to spend it.
The ask is the default path — a scripted line on the till screen, not a policy your cashiers have to remember.
The card and QR are identifiers only — the value lives safely in the ledger, never on the plastic.
Sent under your shop’s name, with a link to their credit. Works when data is down; queued tills send themselves.
A worked example: on a $1.50 bill paid with a $10 note, the till puts $3.50 on the customer’s card and hands back a $5 note. Everyone’s square.
SMS top-ups at $20 / $50 / $100 whenever you need them · extra cards reordered any time.
No value ever sits on the card — it is an identifier. Every cent lives in a ledger with a full audit trail, so a lost card loses nothing: staff link a replacement and the balance is exactly where it was.
Spending needs proof of possession — their card tapped or the rotating code on their phone scanned. A phone number alone can receive change but can never spend.
The till keeps working. Transactions queue on the device and send themselves when the signal returns, and the customer’s code on their phone is generated on the phone itself — no data needed on either side.