Turn Every Diner into Upfront Cash.
With Debby, customers load your restaurant's branded Spend Card—funds land in your account instantly, and they spend it only at your establishment.
How Debby Works for Restaurants
Turn every customer into upfront cash with our simple 3-step process designed for restaurants.
Give Diners Your Branded Card
You give customers your restaurant's branded Spend Card. Perfect for loyalty programs and encouraging repeat visits.
- Custom restaurant branding
- Instant card issuance
- Built-in loyalty program
They Load, You Get Paid Instantly
Customers load money via bank transfer—you receive funds instantly. Improve cash flow and reduce payment delays.
- Instant fund transfer
- Secure bank transfers
- Immediate cash flow
They Return and Dine
Customers return to dine and spend their balance, which stays locked to your restaurant. Guaranteed repeat business.
- Restaurant-locked spending
- Guaranteed return visits
- Customer loyalty
You get the cash now. They keep coming back to dine.
Why Restaurants Choose Debby
Simple benefits that transform your business
Get paid before customers even order
Instant cash flow when customers load their cards
Zero transaction fees on branded cards
Keep more of what you earn with no POS fees
Funds stay locked to your restaurant
Guaranteed spending with no risk of chargebacks
Increase customer visit frequency by 4x
Customers return to spend their preloaded balance
Perfect for all restaurant types
Fine dining, fast casual, cafes, mama put, and everything in between
Prepaid Meal Cards & Gift Cards
Turn every meal into prepaid revenue. Sell branded cards that customers load with money—you get paid instantly.
Sell Cards Like Products
Create fixed-value meal cards that customers buy upfront. Perfect for gifts, subscriptions, and corporate meals.
This feature is coming soon. Join our beta to be the first to know when it's available.
Debby for Businesses — FAQ
Everything you need to know about using Debby for your business
What is Debby?
What is Debby?
Debby is a payment and customer loyalty platform that helps you turn every payment into a reason for your customers to return. It combines POS terminals, branded spend cards, and digital wallets to give you more control over customer engagement and repeat sales.
What kind of businesses can use Debby?
What kind of businesses can use Debby?
Debby is ideal for retail stores, restaurants, fuel stations, clinics, spas, gyms, salons, schools, and other businesses that benefit from customer loyalty and repeat spending.
Do I need to pay for the terminal or software?
Do I need to pay for the terminal or software?
No, the software is free. The POS terminals are also free, but there's a small insurance and caution fee required to ensure proper care and handling of the devices.
Can the Debby POS accept all types of payments?
Can the Debby POS accept all types of payments?
Yes. Debby POS terminals accept debit cards, transfers, branded spend cards, and wallet payments. They work like any other terminal—just smarter.
What happens if my POS is offline?
What happens if my POS is offline?
Debby terminals support offline fallback modes and sync automatically when back online. No transactions or balances are lost.
How do I issue a spend card to my customers?
How do I issue a spend card to my customers?
You can issue spend cards right from the POS terminal during customer registration. It's fast, easy, and doesn't require any extra setup.
Can I get custom-branded cards for my business?
Can I get custom-branded cards for my business?
Yes. If you want to issue branded cards, we'll work with you to create sample designs. Once you approve a design, we'll handle the personalization and delivery of your business-branded spend cards.
How much does card issuance cost?
How much does card issuance cost?
Card pricing depends on the level of customization and volume. You can find full details on our Pricing Page.
Can customers top up their card at the POS terminal?
Can customers top up their card at the POS terminal?
Yes. Customers can load money onto their cards directly at your POS. They can also fund their cards from any bank in Nigeria by simply transferring to their unique account number linked to the card. Funds are instantly credited and ready for use.
What kind of insights will I get about my customers?
What kind of insights will I get about my customers?
Debby gives you access to rich analytics, including repeat visits, total spend, and discount redemptions. These insights help you track performance and make data-driven business decisions.
Can I message or engage my customers through the platform?
Can I message or engage my customers through the platform?
Yes. Debby includes customer engagement tools, allowing you to send messages, run campaigns, and deliver offers based on customer behavior.
What do I need to get started with Debby?
What do I need to get started with Debby?
We'll onboard you with a POS terminal, help you set up your account, and support you through the first set of card issuances. No technical setup required—just plug and start.
Who do I contact for help or questions?
Who do I contact for help or questions?
You can reach our support team anytime at support@debbypay.com or via our hotline. We're always here to help.
Ready to transform your business?
Join our beta program today and transform how your business accesses working capital. Limited spots available.