The Subscription OS for Mobile-Money Markets
No credit card required • Mobile money ready • Free tier available
Why traditional subscription systems fail
Cards don't work in most emerging markets
Less than 10% card penetration in many African countries
Businesses chase payments manually
Hours wasted tracking who paid and who didn't
Subscriptions are hard to manage
Complex billing cycles and renewal tracking
How Mernphis solves it
Subscription logic separated from payment processing
Payment-agnostic subscriptions
Mernphis separates subscription logic from payments. Works with mobile money, USSD, cash, or cards.
Mobile money ready
Native support for M-Pesa, MTN Mobile Money, Airtel Money, and more. No auto-debit, full user consent.
Automated reminders
Smart reminders via SMS, email, or WhatsApp. Grace periods and retry logic built in.
How it works
Get started in 4 simple steps
Create plans
Set up your pricing and billing cycles
Add subscribers
Import or add customers to your plans
Connect payment
Link mobile money gateway or go manual
Track revenue
Monitor renewals and MTR automatically
AI-Powered Subscription Assistant
Natural conversations that increase renewals and reduce manual work
Natural Language Processing
Subscribers talk naturally via WhatsApp or SMS. AI understands intent and responds intelligently.
Automated Actions
AI triggers payment requests, schedules retries, and handles renewals automatically.
Higher Conversion
Conversational reminders increase payment completion and reduce churn significantly.
How It Works
AI sends renewal reminder: "Hi Jane! Your gym subscription ends in 3 days. Reply YES to renew."
User replies naturally: "Yes", "What's the price?", or "Not now"
AI understands intent and triggers payment request or answers questions
Payment completed or follow-up scheduled automatically
Built for your industry
Trusted by businesses across Africa
Schools & Education
Gyms & Fitness
Internet Providers
Media & Content
Utilities & Services
SaaS & Startups
Payment-agnostic
Works with any payment method
Mobile money ready
M-Pesa, MTN, Airtel & more
Automated renewals
Grace periods & retry logic
Built for Africa
Designed for emerging markets
Trusted by leading companies
Join hundreds of businesses growing with Mernphis
"Mernphis transformed how we handle school fees. Parents pay via mobile money and we track everything automatically."
John Mwangi
Director, Nairobi Academy
"Finally, a subscription system that works with M-Pesa! Our gym membership management is now effortless."
Grace Osei
Owner, FitLife Gym
"We tripled our subscriber base using Mernphis. The automated reminders and grace periods are game-changers."
David Mensah
CEO, StreamAfrica