Bumpa Adds Terminal Accounts for Each Store Location

In Short

• Bumpa has added a feature called Terminal by Location for multi-store merchants.
• Each physical store location on a merchant’s account now gets its own dedicated terminal business bank account.
• This aims to reduce mix-ups during reconciliation, which is matching incoming payments to the right store.

What Happened

Bumpa says every physical store added to a Bumpa account now has its own Terminal account by default. The update targets merchants running multiple branches who struggle to tell which location a transfer or terminal payment came from.

With Terminal by Location, payments, orders, and settlement data are automatically tied to the correct store location. “Settlement” here means the money that lands in the merchant’s account after a customer pays.

The company says the change is automatic, so merchants do not need to do any manual setup for existing active locations. It also says updates happen in real time, meaning store-level payment information should reflect immediately rather than after a batch update.

The feature builds on Bumpa’s wider commerce tooling for SMEs, including inventory, orders, and basic accounting workflows. Multi-location retailers typically need clearer store-level tracking for daily closeout, staff accountability, and finance reporting.

Why It Matters

For many African SMEs, reconciliation becomes harder as soon as a business adds a second outlet. One team might confirm a payment, while the finance owner still cannot trace it to the right store, cashier, or terminal.

Giving each branch a dedicated terminal bank account can make store-level reporting simpler. It can also reduce disputes, speed up end-of-day balancing, and help operators spot underperforming locations faster.

This also signals a shift toward more “location-aware” payments and POS workflows, where the software treats each branch as its own unit rather than rolling everything into one bucket. For growing retail brands, that kind of structure often becomes a requirement before expansion.