DumuCustomer accountA lasting account withYour business
A lasting account with your business
Built for businesses that customers come back to.
Dumu gives regular customers a lasting account with your business — so they can deposit, spend over time, access merchant credit, and return to a relationship that continues.
- ✓ Full 30-day trial
- ✓ No payment card to start
- ✓ Physical loyalty cards are optional
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DepositBuild value for later
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Come backThe relationship continues
One relationship. Every return visit.
Deposit for laterSpend over timeMerchant creditLoyalty card and pass
The business problem
Businesses depend on repeat customers, but they rarely have a proper way to build an ongoing relationship with those customers.
A customer may return for years and still be treated like a new transaction each time. The business remembers them informally, trust lives in someone’s head, and the relationship disappears whenever the staff member, counter, or branch changes.
The relationship ends at the sale
The customer pays, leaves, and comes back to another one-off transaction instead of something that has continued.
Regular-customer trust stays informal
Deposits, flexibility, and credit depend on who remembers the customer and what was agreed before.
Recognition does not travel
A different staff member or branch may not know the value and trust the customer has already built with the business.
The Dumu solution
Give every regular customer an account with your business.
The Dumu account gives the relationship somewhere to live between visits. Customers can build value with your business, use it gradually, receive merchant credit when you approve it, and return through a card, pass, or phone number.
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Deposit with your business
Customers put value aside today and keep a clear reason to return for a future purchase.
See deposits and spending →↗Spend over time
Use all or part of the customer’s value while the rest remains ready for another visit.
See how value continues →＋Access merchant credit
Extend business-approved credit to regular customers whose relationship has earned your trust.
Explore merchant credit →◇Return with a loyalty card or pass
Give customers a tangible connection that brings them back to the same lasting account.
See loyalty cards and passes →◎Be recognised
Let the next staff member continue the relationship instead of asking the customer to start again.
Build repeat relationships →⌂Continue at every branch
The customer keeps one relationship with your business across all active locations.
Connect your branches →A relationship customers can carry
A card that says, “I have an account with this business.”
The Dumu loyalty card is not a bank card. It is a physical connection to the lasting account a regular customer holds with your business — their deposited value, future spending, and merchant credit when approved.
- ✓ Physical card or digital pass
- ✓ Scan to reconnect the customer
- ✓ Replace access without losing the relationship
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DepositBuild value for later
↻
Come backThe relationship continues
How the relationship grows
The first visit starts the account. Every return makes it more useful.
- 01
Welcome the regular customer
Give the customer a lasting Dumu account with your business and an optional card or digital pass.
- 02
Let value build
The customer deposits with the business and keeps that value ready for later purchases.
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Grow trust
The merchant may approve a credit limit for a customer whose relationship has earned it.
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Continue on return
The next visit reconnects to the same value, trust, card, staff experience, and business relationship.
What changes for the business
Move from hoping customers return to building a relationship they can return to.
More meaningful return visits
The customer comes back to value, recognition, and trust already connected to your business.
Value committed to future business
Customer deposits create a natural bridge from today’s interaction to future purchases.
Credit for relationships you choose
Offer flexibility to trusted regulars while keeping the merchant responsible for approval and limits.
A stronger customer identity
The card and digital pass make belonging to the business relationship visible and easy to use.
Consistency across branches
The relationship travels with the customer while every branch continues the same promise.
Service beyond one person’s memory
Staff can recognise and continue a regular-customer relationship even when shifts change.
Who Dumu is built for
For businesses where the next visit matters as much as today’s sale.
Dumu fits when customers return regularly, put value aside, buy over time, receive merchant credit, visit different branches, or expect to be known by the business they keep choosing.
Retail businesses with regular customersService businesses with ongoing client relationshipsMerchants who receive customer depositsBusinesses extending credit to trusted regularsMulti-branch businesses serving the same customersBusinesses that want a loyalty card or digital pass
Frequently asked
Understanding the new kind of relationship Dumu creates.
What is Dumu?+
Dumu gives regular customers a lasting account with a business. Customers can deposit value, spend it over time, access merchant credit when the business approves it, and return through a card, digital pass, or phone number.
Is Dumu bookkeeping or accounting software?+
No. Dumu is a customer-relationship solution built around a lasting merchant-customer account. Statements and business controls support trust behind that relationship, but record keeping is not the product promise.
Is the Dumu account a bank account?+
No. It is an account between the customer and the specific merchant. Dumu does not operate as a bank or online payment processor.
Who provides merchant credit?+
The business provides and controls the credit for its own regular customer. Dumu does not lend money; it helps the merchant manage the relationship and approved limit.
What does the loyalty card do?+
The physical Dumu loyalty card or digital pass reconnects the customer to the lasting account they hold with the business. It is not a bank or payment card.
Can one customer relationship work at different branches?+
Yes. Active branches in the same Dumu business can continue the same customer account while Dumu keeps the relevant branch and staff context.
Make the next visit part of today
Give regular customers a lasting account with your business.
Start the full 30-day trial, create your first branch, and welcome the first customer into a relationship that continues.