FTA provides Visa/ MasterCard/ Verve mobile card payment acceptance solution any time, anywhere through Kibeti application (Swahili for wallet, which is common with small merchants). FTA settles in real time with merchants for all local card payments unlike the rest of Kenya, whereby payment processors settle after 3 - 4 days. FTA serves as a platform for other aggregators offering complimentary services such as Loyalty and B2B mobile payments.