How to grow your payments app with crop buyers and produce aggregators
By SendPay Business · · 2 min read
Crop buyers and produce aggregators travel from farm to farm or set up at collection points, buying maize, beans, coffee, cocoa, cashews and other crops from many small farmers. They then sell in bulk to processors, exporters and traders. At harvest they may pay hundreds of farmers in a few weeks, usually in cash, which is risky to carry and hard to track. A payments app that lets buyers pay each farmer instantly on the spot, keeps a record of every purchase and collects payment from bulk buyers can win these aggregators, and every farmer they pay sees your app.
Talk to crop buyers
Ask local crop buyers and produce aggregators:
- How do you pay farmers, and how much cash do you carry at harvest?
- How do you keep a record of what you bought from each farmer?
- How do the processors, exporters or traders you sell to pay you?
- Do farmers ask to be paid by phone instead of cash?
Pay farmers on the spot
Paying each farmer by phone as soon as the crop is weighed means no bags of cash on the road and no waiting for change.
Keep a record of every purchase
A clear record of who was paid what for which load helps buyers settle disputes, track stock and see how each buying trip went.
Grow through farmers
One buyer pays hundreds of farmers every season. When those farmers receive money through your app, many will start using it to pay for seed, school fees and everyday spending.
Build it
Create your own financial platform.
Pick a template, name it, brand it, preview every page before you pay. Your brand, your users, your fees.
Build my platform →Questions people ask
What about farmers?
The farmers guide covers being paid in seasons, often far from a bank branch, and buying supplies in bulk.
Farmers →What about wholesalers and distributors?
The wholesalers and distributors guide covers selling to hundreds of small shops, often collecting cash on delivery.
Wholesalers and distributors →Can I call it a bank?
In most countries "bank" is a protected word you can only use with a banking licence. Call it an account, a wallet, an app or a platform. The accounts and payments behind a SendPay Business platform are powered by licensed partners.
Is there a step-by-step plan I can follow?
Yes. The free launch checklist takes you from picking your people and naming your app to setting fees, going live and winning your first ten customers.
Digital bank app launch checklist →How do I start?
Pick a template, name it and preview every page before you pay. Your platform can be live on your own domain within 24 hours of confirmation.
Build my platform →Read next
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. PayPal, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business.