“In the US, 8.5% of payments are online, 91.5% are made at points of sale. So, more people will buy in a face to face scenario as opposed to making transactions on the computer or on phone away from the merchant,” he tells Quartz. PesaPal now largely serves corporates but is gradually diffusing focus on the micro, small and medium enterprises (MSMEs), a market segment it hopes should account for 80-90% of its revenues in the next two years.

http://qz.com/743525/kenyas-pesapal-is-moving-into-the-physical-world-with-its-first-point-of-sale-system/