How does PODremit work?

PODremit enables proxy payments — meaning someone else can pay on your behalf in real time. A recipient selects a merchant (either in-store or online) and initiates a payment request through PODremit. The payer receives an instant notification, approves the request, and the funds are securely transferred either directly to the merchant (if onboarded) or held in escrow until settlement. Both the payer and recipient get a confirmation once the transaction is complete.

Is there a fee for using PODremit?

There are no hidden costs or surprise deductions when using PODremit.

What if the merchant doesn't deliver after payment?

Your funds remain protected in escrow under the Spend Authorization Token (SAT) until the merchant confirms fulfillment. If delivery or service fails to occur within the SAT's validity period, the transaction automatically expires and refunds the payer. This ensures full accountability, transparent dispute handling, and peace of mind for both parties.

Can I use PODremit without the app?

Yes — you can receive or send payment links via the web portal or merchant checkout page without downloading the app. However, the mobile app provides a full experience, including escrow tracking, real-time notifications, and instant access to your Spend Authorization Tokens for quicker approvals.

How do I get paid as a merchant?

Once your business is verified and onboarded, you'll receive payments directly into your linked account once a transaction is fulfilled. Each settlement is triggered automatically through the validated Spend Authorization Token (SAT). You can view all completed, pending, and expired authorizations from your Merchant Dashboard in real time.

Who can create a Spend Authorization Token (SAT)?

Only verified payers can generate a Spend Authorization Token, but recipients can initiate a request that prompts the payer to approve and create one. This token acts as a temporary digital authorization that ensures funds are held securely for a verified merchant and released only when terms are met.

What makes PODremit different from regular money transfers?

Traditional transfers move funds to people. PODremit moves funds to merchants — ensuring that payments serve their intended purpose (tuition, groceries, healthcare, etc.) instantly and securely. The Spend Authorization Token (SAT) adds an extra layer of trust, enabling real-time payments, role flexibility, and automatic refunds in the event of expiry or non-delivery.

Can I cancel a Spend Authorization after creating it?

Yes — if the merchant hasn't fulfilled the transaction and the token is still active, you can revoke or edit the Spend Authorization Token (SAT) before expiry. Funds will then be automatically unlocked and returned to your linked account.

Absolutely. Every transaction is backed by multi-layer encryption, merchant verification, and escrow-based fund protection through the Spend Authorization Token (SAT). We never store sensitive card or banking details — ensuring compliance with international financial standards (PCI-DSS and GDPR).

PODremit™ - Coming Soon

When Someone You Love Needs Support, Make Every Payment Count.

PODremit™ is creating a more purposeful way to support someone’s education, healthcare or essential needs through a selected merchant.

Instead of sending money without seeing what happens next, you will be able to review the need, authorize payment for a clearly defined purpose, and follow its progress from approval to confirmation—online or in store.

Join the Waitlist See How it Works

the problem

Help Should Reach Its Intended Purpose

When you send money to support someone, you want confidence that it will be used for the reason it was sent. Traditional cash transfers move money successfully, but they do not always provide visibility into how the money is ultimately used.

A different idea

Connect the Payment to the Purpose

PODremit™ is being designed to link each authorized payment to a selected participating merchant and a clearly identified need creating greater clarity for the payer, recipient and merchant without relying on an unrestricted cash transfer.

How PODREMIT will work

Purpose-Directed Support in Three Simple Steps

Choose or Request

A payer selects a participating merchant and begins a payment, or a recipient submits a request for a specific need.

Review and Authorize

The payer reviews the merchant, amount and purpose before deciding whether to approve the payment.

Complete and Confirm

When PODremit™ becomes available, the approved payment will be completed for the selected merchant, with useful status updates and outcome confirmations for the payer, recipient and merchant.

two ways to begin

Support can start from either side

Send Support

Know what someone needs? Select the intended participating merchant, enter the relevant details and begin an authorization for a clearly defined purpose.

Request Support

Need help with an education, healthcare or essential expense? Prepare a request linked to the intended participating merchant for the payer to review, edit, approve or decline.

The payer remains in control—reviewing the merchant, amount and purpose before authorizing any payment.

why PODremit

More Clarity Behind Every Act of Support

Purpose-Directed

Payments are intended to be authorized for a selected participating merchant and a clearly defined purpose.

Greater Visibility

Payers can review relevant merchant and request information before deciding whether to authorize.

Flexible

A payer may begin the support, or a recipient may prepare a request for review.

Trackable

The planned experience includes useful transaction status, confirmation sand records for the relevant participants.

Easier to Request

A recipient may request support for a defined need without having to receive unrestricted cash.

Spend Authorization Token — SAT

PODremit™’s proposed Spend Authorization Token, or SAT, is a digital authorization instruction associated with defined transaction details, including the approved participating merchant, amount and expiration period.

The SAT is not money, a bank account, a digital wallet or an escrow account. It represents the payer’s authorization for a defined merchant payment.

How it works

USERS & MERCHANTS BENEFITS

Designed to Create Value for Everyone Involved

Support Across Distance

Support a loved one’s approved need through a participating merchant—even when you are in different places.

Pay from abroad while merchants get paid instantly.

Use an Eligible Payment Method

The planned experience will allow payers to use an eligible bank account or payment card, subject to partner and market requirements.

Link your bank or card once and send instant payments to loved ones.

Pay the Selected Merchant

The authorized payment is intended for the participating merchant connected to the approved need—not as unrestricted cash sent to the recipient.

Review Before Approval

Recipient requests give the payer an opportunity to review the merchant, itemized details, amount and purpose before deciding.

See the Details

View relevant merchant and request information before authorizing support.

View itemized lists and merchant details before funding.

FAQ’s

Frequently Asked Questions

Is PODremit™ available now?

Not yet, PODremit™ is in pre-launch development. Join the waitlist to receive product-development and future-pilot updates.

What makes PODremit™ different?

PODremit™ is being designed to connect an authorized payment to a selected participating merchant and a clearly defined need. The goal is to give the payer, recipient and merchant greater clarity about what was requested, approved and completed.

Can a recipient request support?

Yes, that is part of the intended design. A recipient may prepare a request linked to a participating merchant. The payer can then review the details and decide whether to edit, approve or decline it.

What is a SAT?

The Spend Authorization Token, or SAT, is the proposed digital instruction that represents the payer’s approval for a defined amount and participating merchant. It is not money, a bank account, a wallet or an escrow account.

Does PODremit™ hold customer funds?

PODremit™ is being designed as payment technology, not as a bank. The final movement and handling of funds will depend on appropriately qualified and licensed payment partners, the product architecture and applicable requirements.

When will PODremit™ launch?

PODremit™ is still being developed. The proposed first pilot is expected to focus on the U.S–Nigeria corridor and education-related needs, subject to funding, development, testing, partner readiness, and legal and regulatory review.

Be Among the First to See Purpose-Directed Support Take Shape

Join the PODremit™ waitlist for product-development updates, future-pilot news and opportunities to help shape the experience before launch.

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

By joining, you agree to receive PODremit™ product and pilot updates. You may unsubscribe at any time. See our Privacy Policy

PODremit™ is a pre-launch financial-technology product of Sojisphere Solutions LLC

Product descriptions are preliminary and may change through legal and regulatory review, development, testing and partner integration before commercial launch.

PODremit™ is a trademark of Sojisphere Solutions LLC. U.S. federal trademark and provisional patent applications are pending.