Chat Cash: AI commerce OS for WhatsApp and Instagram sales

ChatCash APOMA turns WhatsApp, Instagram, and USSD into a unified commerce engine for African merchants. It combines AI sales assistance, chat-based CRM, payments, inventory, and T+0 settlement so merchants can sell, negotiate, and manage orders from one workflow.

Hi Product Hunt! 👋 I’m John, CEO of ChatCash.

We’re sharing an early preview today as part of The Pitch Dubai competition!

The Problem: Africa has a $120B informal retail sector, but traditional e-commerce platforms are too heavy and complex for $50 smartphones. Real commerce here happens on WhatsApp.

The Solution: ChatCash is an AI Operating System for social commerce. Using natural language, a merchant can instantly generate a fully functional storefront, track inventory, and process local mobile payments—entirely within WhatsApp. No code, no friction.

We are currently live with paying merchants in Zimbabwe and actively expanding into Rwanda, Nigeria, and South Africa.

Taking Rajiv’s advice to heart, we are launching this preview early to learn from this community. We’d love your raw feedback, questions, and your support/votes for The Pitch Dubai!

Africa's informal sector is all about trust. Does ChatCash include any verified merchant badges or escrow features within the chat to help first-time buyers feel safe sending mobile money?

Social commerce is explosive right now. Does Chat Cash handle the actual payment processing within the chat, or does it hand off to a web checkout?

@rivra_dev Good question, with ChatCash payment happens inside chat