One platform. Every module your business runs on.
From the till to the books to the kitchen — switch on exactly what you need, by industry and by plan. Here's everything MerxumOS does.
Point of Sale
Sell fast on any device — online or offline.
POS Register
Offline-first checkout with barcode scanning, parked sales and instant receipts.
Mobile Money & Split Pay
MTN, Telecel & AirtelTigo MoMo, card, cash or split tenders via Paystack & Hubtel.
Day Close (Z-Report)
End-of-day cash reconciliation, payment breakdown and tamper-proof Z-numbers.
Discount Codes
Percentage or fixed promo codes validated live at checkout.
Debt & Credit Sales
Track customer balances, due dates and statements on credit sales.
Self-Checkout Kiosk
Customer-facing kiosk with on-screen keyboard, modifiers and pay-at-counter.
Loyalty Program
Points, tiers and rewards that bring customers back.
Sales Targets
Per-branch and per-cashier targets with live progress tracking.
Smart AI Upsells
AI reads each cart and suggests the add-ons a customer is most likely to buy.
Voice POS
Sell hands-free with voice commands — and the assistant replies out loud.
Returns & Refunds
Full or partial refunds to any tender, with stock returned automatically.
Layaway
Take a deposit and hold the goods while the customer pays the balance over time.
Installments (Pay in Parts)
Sell now and collect the balance on a scheduled payment plan.
Inventory & Stock
One real-time stock truth across every branch.
Products & Categories
Retail, wholesale, bulk and carton pricing with images and variants.
Stock Alerts & Reorder
Low-stock badges and reorder points so you never run out of best sellers.
Batch & Expiry (FEFO)
Lot tracking with expiry alerts — essential for pharmacy and food.
Serial / IMEI Lookup
Scan a serial to trace warranty, repairs and sale history.
Barcode Labels
Print CODE128, UPC and QR labels in batches.
Warehouse & Transfers
Multi-bin storage, warehouse stock and inter-branch transfers.
Stocktake & Shrinkage
Formal counts, variance and stock-loss tracking by branch.
Stock Audit Log
An immutable trail of every stock movement.
Product Brands
Track the maker behind each product (Samsung, Nestlé and more).
Bundles & Kits
Sell several items together as one priced package.
Variants & Attributes
Matrix stock by size, colour and strength, with per-variant pricing and barcodes.
Purchasing & Suppliers
Buy smarter and keep suppliers accountable.
Suppliers
Supplier directory with contacts and price history.
Purchase Orders
Raise POs, track fulfilment and receive against them.
Supplier Payments
Outstanding payables and payment history at a glance.
Supplier Performance
On-time delivery and reliability scoring per supplier.
Goods Receipts (GRN)
Receive against POs and match quantities and costs on arrival.
Supplier Bidding (RFQ)
Invite quotes and compare supplier bids before you commit.
PO Approvals
Multi-level sign-off for high-value purchase orders.
Supplier Returns
Send unwanted stock back to suppliers and track the credits.
Finance & Accounting
Books that keep themselves.
Expenses & Petty Cash
Categorise spend and reconcile petty cash by branch.
Invoicing
Professional invoices with payment tracking and aging.
Profit & Loss
Revenue vs expenses by period and branch, with trends.
Cash Flow Forecast
Project cash in and out and plan scenarios ahead.
Bank Reconciliation
Match statements to recorded sales and expenses.
GRA Tax (VAT / WHT / PAYE)
Ghana-compliant VAT 3, withholding tax, PAYE & SSNIT.
Chart of Accounts
Full double-entry GL, journals, trial balance and statements.
Budget vs Actual
Plan budgets and track variance against real spend.
Fixed Assets & Depreciation
Asset registers with automated depreciation schedules.
Analytics & AI
Know your numbers — and let AI do the watching.
Business Dashboard
Revenue, profit, orders and alerts on one reorderable board.
Sales Forecasting
Predict next-period revenue from your own history.
Busiest-Hours Heatmap
See exactly when to staff up across the week.
Gross Margin by Category
Spot your most and least profitable lines.
AI Insights
Dead-stock, anomaly and restock suggestions, automatically.
AI Assistant
Ask your business questions in plain language.
AI Content
Generate product descriptions and campaign copy.
Cohort Retention
Track how well you keep customers over time.
AI Agents (Autopilot)
Governed AI agents — Advisor, Co-pilot and Autopilot — that take action for you.
Inventory Intelligence
AI reorder, dead-stock and shrinkage analysis across your whole catalogue.
AI Rules Engine
Set thresholds and let AI trigger the right action automatically.
AI Image Generation
Create product and marketing images from a simple prompt.
Custom Dashboards
Build drag-and-drop KPI boards for any team.
Customers & CRM
Turn one-time buyers into regulars.
Customer Profiles
Segments, lifetime value and outstanding balances.
Birthday Alerts
Auto-remind you to send birthday offers.
Sales Pipeline (CRM)
Kanban leads, deals and lead scoring.
Campaigns
SMS, WhatsApp and email broadcasts with segments.
Customer Groups
Segment by behaviour for targeted pricing and offers.
Referral Program
Reward customers for bringing in new business.
Gift Cards
Issue, track and redeem prepaid store credit and gift cards.
Customer Portal
A self-service account for orders, balances and loyalty points.
Complaints & Tickets
Log, assign and resolve customer issues to closure.
Staff & HR
Run your team from hire to payslip.
Staff & Custom Roles
Granular permissions and per-branch access scopes.
Attendance & Shifts
Clock-in/out, breaks and a monthly attendance view.
Leave Management
Request, approve and track leave balances.
Employee Records & Documents
Contracts, IDs and staff documents with designations.
Payroll
Salaries, deductions and payslips for African markets.
Staff Loans & Advances
Issue loans and recover them automatically through payroll.
Performance Reviews
Rate, review and grow your people.
Disciplinary & Org Chart
Disciplinary records, offboarding and a live org chart.
HR Audit Log
An immutable trail of every HR action.
Training Records
Track certifications and training completion.
Delivery & E-commerce
Sell online and get it to the door.
Delivery Dispatch
Assign orders to drivers and track to delivered.
Drivers & Routes
Driver roster with optimised multi-stop routes.
Delivery Zones
Define service areas and geo-fenced pricing.
Online Store
A storefront wired to the same stock you sell in-store.
Online Orders
Manage web orders and fulfilment in one queue.
Payment Links
Share Paystack links to get paid from anywhere.
Storefront Templates
Eight ready-made storefront designs to match your brand.
Custom Domains
Use your own domain for your store and booking pages.
Coupons & Reviews
Storefront discount codes plus customer ratings and reviews.
Abandoned Cart Recovery
Automatically win back shoppers who left items behind.
Industry Modules
Purpose-built tools tailored to your trade.
Kitchen Display (KDS)
Route orders to kitchen screens by station and prep time.
Tables & Orders
Floor plans, table orders and split bills for F&B.
Restaurant: Reservations
Table bookings and event covers with a reservation book.
Pharmacy: NHIS & Controlled
Patient records, NHIS claims and controlled-drug logs.
Electronics: Repairs & Warranty
Repair jobs, IMEI tracking, warranties and trade-ins.
Salon: Appointments
Booking calendar, stylist roster and commissions.
Agriculture: Farmer Registry
Farmer credit, seasonal planning and field agents.
Fashion: Size & Colour
Variant matrices and gift registries for boutiques.
Construction: Job Costing
Projects, job costing and asset tracking.
Hotel: Rooms & Front Desk
Rooms, rate plans, reservations, housekeeping and folio with charge-to-room.
Hotel: Channel Manager
Sync rooms and rates to Booking.com, Expedia and Airbnb.
Manufacturing: BOM & Production
Bills of materials, production orders and material planning.
Pharmacy: Payers & Claims
A multi-payer e-claims engine with NHIA integration, beyond NHIS.
Restaurant: Recipes & Ingredients
Recipe costing, ingredient tracking and prep yields.
Furniture: Custom Orders & Layaway
Made-to-order specs, deposits and lay-by holds.
Platform & Enterprise
Scale across brands, devices and borders.
Multi-Brand & Multi-Branch
Run many brands and locations from one account.
Custom Roles & Permissions
Build exactly the access each role should have.
Devices & Stations
Register POS, KDS, kiosk and dispatch terminals.
Audit Trail
An immutable log of every create, update and delete.
Open API
Connect your other tools and automate workflows.
Multi-Currency
Sell and report in GHS, NGN, KES, ZAR, XOF, USD and more.
White-Label
Put your own brand on the whole platform.
Branch Activity Feed
A live feed of day-closes, transfers, low-stock and forecasts across branches.
MFA & Device Security
Two-factor auth, device sessions and IP allow-listing.
System Health
Error capture, AI triage and uptime monitoring for admins.
Web Push Notifications
Real-time alerts pushed straight to staff devices.
Data Export
Bulk-export all your data whenever you need it.
Integrations
Connect MerxumOS to the tools you already use.
Shopify & WooCommerce
Two-way sync of inventory and orders with your online store.
QuickBooks Online
Auto-post sales and expenses to your accountant's books.
Google Sheets
Live sales and expense export, plus historical backfill.
WhatsApp & SMS
Send receipts, OTPs and campaigns over WhatsApp and SMS.
Telegram & Slack
Pipe sales, stock and system alerts into your team chat.
Webhooks & Zapier
Subscribe to events and automate across thousands of apps.
Courier Integrations
Hand deliveries to Yango.
Card Terminals
Take card and mobile money on Paystack and Hubtel terminals.