DPO Pay by Network

Frequently asked questions

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General Payments

No, Network no longer charges set up fees. Newly onboarded merchants are no longer required to pay a set up fee.

Funds processed by Network will be settled to the merchant’s nominated bank account or M-PESA (Kenya). This is all dependent on the related regulations from the processing country. Kindly contact your account manager or support desk for clarity on your preferred settlement option.

We are a Payment Service Provider (PSP), focussing on facilitating the online payment process. A single connection to Network allows your business to accept credit and debit cards, mobile money payments and bank transfers.

We accept all major payment methods, including credit and debit cards, bank transfers, mobile money payments like PayPal, M-Pesa, Tigo Pesa (Tanzania), Airtel Money, and MTN (Zambia, Uganda, and Rwanda).

Being a cloud-based solution, Network can be used by your shoppers globally.

Kept for security purposes, a rolling reserve is an amount held by banks for all card payments. With no report of chargebacks, the rolling reserve is usually released after 180 days once the transaction is verified.

Domain change to Network.Global

As part of our ongoing commitment to align closer with our parent company, Network International, as from 26 February 2024 all of our employee email addresses will change/ have changed from  [email protected] to [email protected].
For now, all our other email addresses like  [email protected]  will remain as is, but these will also be updated in the future.
 
The  transition to  @network.global  forms part of our efforts to streamline our communication channels and present a unified identity as part of the Network International family. We assure you that this change will not impact your payment processing services. We remain dedicated to providing you and your customers with a safe, efficient and seamless payment experience.

Network International, which acquired DPO Pay in 2021, is the leading enabler of digital commerce in the Middle East and Africa (MEA) region. With over 25 years of experience in delivering innovative solutions that drives revenue and profitability for their customers, Network has grown from strength to strength to become the largest acquirer in the UAE.

You can find out more about Network International’s acquisition of DPO Pay here. More information about Network International can be found on the website here.
More on the unified group domain can be found here.

No, not at all. The transition to @network.global forms part of our efforts to streamline our communication channels and present a unified identity as part of Network International. We assure you that this change will not impact your payment processing services. We remain dedicated to providing you and your customers with a safe, efficient and seamless payment experience.

At this stage, no. You can still contact support via email on [email protected]  or via the live chat on our website, www.dpogroup.com. When we update the support email domain we’ll let all our merchants know via email and update this article.

Network Back Office Updates

Finding new ways to make your life easier is at the heart of what we do here at Network. The latest in a series of updates designed to create a better experience for you, the merchant, is to improve the look and feel of your dashboard.

  • Go to https://portal.dpopay.com/
  • Click on ‘Login Here’ button to access the login window.
  • Click on ‘Forgot Password’.
  • Fill in your Company Code and Email address.
  • We will forward a reset password link to your email address.
  • Using the link, reset your password.

No, there is no change. Everything remains the same as before. We have only changed the look and feel of the Network system.

Click on ‘Add Email Transaction’ to send a payment link.

Click on ‘@Direct Pay’ button to charge your Virtual Card.

Click on ‘Report Center’ on the top middle of your DPO Page and select the report labelled ‘Settlement Report’

  • Select Currency
  • Select To and From Date
  • Select Print Out or CSV to export to Excel
  • Click on ‘Issue Report’

Scroll to the bottom of your Network account and click on ‘Commercial Terms’

You will be able to view your rates and confirm your settlement cycle

  1. Log into your Network account 
  2. Click on ‘Global Reports’ on the top left side,  
  3. Select the report you would like to pull 
  4. Select the date range  
  5. Click on ‘Issue Report’ to export to Excel 
  1. Log into your Network account 
  2. Click on your username on the top right side of your screen. 
  3. Select ‘Update my Profile 
  4. Proceed to change your email address or password 

eCommerce & Shopping Carts

We integrated with major eCommerce shopping cart platforms like WooCommerce, Magento, Prestashop, Shopify, Wix, Gravity Forms, WHMCS, OpenCart, and Ecwid.

We use XML as the primary coding language and PHP as the secondary.

Our customisable API’s integrate into both web and mobile applications.

Settlements

Settlement is when Network pays you the funds, for the sales processes through your Network Account.

Your funds are kept in your Network Account as we verify that all transactions are legitimate to protect your business against fraud.

Because of processing and verification: online payments are high-risk transactions, and Network screens and clear each transaction to protect your business from fraud.

Security and curbing risk is part of our promise. Based on the processing and verification of each transaction, we need to make sure that we only settle valid, verified transactions. That’s why we limit the percentage to verify all your transactions before the settlement date.

Chargebacks & Refunds

A chargeback is when a customer disputes a transaction on their card requesting a reversal of funds initiated by the cardholder’s bank. You, as the Merchant, are responsible for repaying the funds to your shopper.

We will assist you throughout the chargeback process.

Network processes the payment on your behalf. Therefore we are the Merchant on record.

Get in touch with us to initiate a refund. Note that refunds are essential to prevent potential chargebacks.

Security

Network complies with the highest standards in payment security, holding a PCI-DSS Level 1 certification and are GDPR ready. Our fraud and risk infrastructure leverage AI-driven statistical data in addition to our global compliance. Our systems, coupled with our expert risk team, apply a wealth of expertise and adaptive data observing to monitor your transactions around the clock and help protect your business against fraud.
  1. Asses that the card is an actual plastic card and not a copy.
  2. Inspect the card for any alterations.
  3. Validate that the cardholder’s name matches the name on the identification documents.

3DS Authentication

3DS is a security protocol that aims to prevent fraudulent use of Payment cards by authenticating cardholders in card-not-present (CNP) online transactions. It is a second layer of security implemented by the card schemes to protect card holders by verifying that it is the card owners performing those transactions.

The 3DS process can be compared to entering a PIN at a point-of-sale machine when making a purchase in the card present environment.

3DS gives the cardholder a peace of mind knowing that their card is not being misused by fraudsters and presents a more accurate and natural way of authentication.

No, it is up to each merchant to decide whether to implement 3DS or not. However, 3DS is now being adopted by more merchants to protect consumers and businesses from fraudulent activity.

The cardholder will be redirected to an authentication page on the Network platform while making payment, where they will be asked to enter a code that will be sent to their phone or email.

  • Ensure you have the card you wish to pay with ready
  • Ensure you have your mobile phone with you or access to your email to receive the OTP (one-time-password)
  • After entering your OTP, the system may take a few seconds to approve your pin. This is normal- do not close your browser.

Recheck if the OTP provided is correctly input. There is an option to request the OTP in case it delays being delivered. If the error persists, kindly reach out to your card support team on the number indicated on the back of your card for assistance.

Click here  to find the card payment response codes.

Check that you have sufficient mobile coverage (network) to receive SMS or email you can also resend the OTP to ensure that this works, if it doesn’t after these actions, contact your card support team for assistance.

The OTP is valid for five minutes after which you generate a new one by clicking the Resend button. The resend option is only available three times

3D Secure is a security protocol that protects a buyer’s credit card against unauthorised access when shopping online. This service enables buyers to validate their online card transactions and prevent fraudulent use by unauthorised individuals.

3D Secure 2.0 (also known as 3DS2, EMV 3-D Secure or 3D Secure 2.0) is the updated version of 3D Secure that provides an improved mobile-first level of authentication and caters for a better user experience.

With 3DS2, businesses and their payment provider can send more data on each transaction to the cardholder’s bank. This data includes payment-specific data like the shipping address and contextual data, like the customer’s device ID or previous transaction history.

From 14 October 2022, 3D Secure 1 will no longer be supported as a security protocol. Only authentication via 3D Secure 2 will be available from that date onwards. This international update affects credit and debit card payments worldwide. Banks and payment providers have been rolling out 3D Secure 2 in preparation for this cut-off date. Your customers’ credit, cheque, and debit credit card payments will continue to go through successfully.

  • Frictionless Flow
    3DS2 works with Risk-Based Authentication (RBA), which means card issuers can approve a transaction without input from the cardholder. That means no more pop-up windows and removal of friction from the checkout process; hence the “frictionless flow”.
  • Non-Payment Authentication
    3D Secure 2.0 enables the security of more than just online transactions. Non-payment authentication allows cardholder authentication without making a purchase, which helps add credit cards to e-wallets.
  • Native Mobile Integration
    3D Secure 2 has added a mobile SDK component that allows merchants to integrate the 3D Secure process into their mobile apps, making the mobile checkout experience fast and seamless.

Merchant

Once you register with us and submitted all the relevant KYC documents, your account will be live within 24hrs.

Know Your Customer (KYC) Documents include:

  • Certificate of incorporation
  • Tax registration certificate
  • Director’s national ID or Passport (in full colour)
  • Refund or cancellation policy (T&C’s)
  • High-resolution company logo
  • Complete list of all your products/ services

There are no additional features you need to make use of Network.

DPO Card

The decommissioning will allow us to thoroughly review and enhance our products to better align with your business needs and seek opportunities to bring a superior card product to the market soon.
You will not be able to use your DPO Card. The card will be canceled, and all your unused balance will be refunded to your DPO Pay merchant account.
All your unused balance will be refunded back to your DPO Pay merchant account, ready for settlement in your bank account.
You may destroy the card as it will be of no use.
In the meantime, all settlements shall be done to your bank account.
Once the new card project has been finalised, we will inform you.
All refunds to the card will be moved to your DPO Pay merchant account.
We will send an email to you for notification, and your account manager will inform you.
Yes, DPO Pay is PCI DSS compliant, which means that all our cardholders’ data is stored safely in compliance with the International Data Protection Regulations.
We advise using an alternative payment method for your subscriptions/recurring payments. Once the card is cancelled the transactions will fail.
Yes, you can dispute the transactions within 30 days after the decommissioning.

Your funds will remain on your DPO Pay merchant account until you provide us with your bank settlement details. Click Here to provide.

All your unused balance will be refunded back to your DPO Pay merchant account ready for settlement in your bank account.

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