Merchant services

Never miss a sale, no matter where you are. POS makes sure you can get paid anywhere, anytime. Now you have the added security because there is no need to carry large sums of cash. With our electronic POS terminals, you can accept debit and credit card payments at checkout points making them ideal for supermarkets, hotels, restaurants and more. Offer convenience to your business and your customers by getting a cashless payment process in place today.    

Benefits of POS terminal:

• Give your customers more payment options in-store
• Increase sales and turnover by servicing your customer quicker
• Reduce the risk of loss from fraud and robbery with less cash on your premises
• Save on cash handling costs and cash-in-transit fees
• Speed up the process at your pay points
• Get terminals that are EMV compliant and reduce the risk of fraud
• Reduce the risks and costs associated with handling cash payments
• Enjoy dedicated customer support

How it works:

You will receive a plug-and-play terminal that offers the benefits of WiFi/GPRS connectivity, while allowing you to keep the terminal at your checkout. You can accept these cards through Absa (authorisations are 24 hours a day, 365 days a year):

• Visa
• Master Card
• Maestro
• American Express
• UnionPay International

Receive money on the move with mPOS. Ideal for cafés, restaurants, mobile taxis and courier companies, our mobile Point-of- Sale (mPOS) devices are designed to offer your business flexibility. The mPOS device fits in your pocket and comes with a battery, so it will work wherever your business takes you.

mPOS allows you to: 

• Speed up the process at your pay points
• Get terminals that are EMV compliant and reduce the risk of fraud
• Reduce the risks and costs associated with handling cash payments
• Enjoy dedicated customer support

How it works: 

You will receive a plug-and-play terminal that offers the benefits of WiFi/GPRS connectivity, while allowing you to keep the terminal at your checkout. You can accept these cards through Absa (authorisations are 24 hours a day, 365 days a year)

•  Visa
• Master Card
• Maestro
• American Express
• UnionPay International

Our integrated payment solutions are ideal for businesses with larger payment volumes or many outlets, our integrated point-of-sale services offer you a host-to-host payment solution. With a direct link to Absa, you’ll enjoy faster payment processing, as well as better information management to help with reconciliation.

Benefits of integrated point of sale:

• Accept credit and debit card payments in-store
• Host-to-host solution that offers faster payment processing
• Designed for ease of integration into a retailers’ cash till systems
• Both EMV and PCI compliant
• Access to detailed POS batch reports to help with reconciliation
• Enjoy dedicated customer support

A typical transaction consists of the following:
 

• If the customer selects to pay by card, the till will send the sale for the total amount to be paid on the PinPad.
• The PinPad prompts the customer to swipe or enter their card on the PinPad.
• The PinPad will prompt the customer to enter their PIN (if the verification method for the card is a PIN). Otherwise, a receipt is printed on the till and this receipt will have space for the cardholder’s signature (if it is a magstripe card with signature verification method).
• The customer will enter their secret PIN for chip-and-PIN card transactions and the PinPad will encrypt the PIN and card data that is sent to Absa Bank Zambia for authorisation.
• Absa Bank will either authorise or decline the transaction.
• The PinPad will then display "authorised" or "declined" and will prompt the customer to remove their card.
• The PinPad will send all the data required for printing the receipts to the till, irrespective of whether it is authorised or declined.
• The till will then print the merchant and customer receipts.
• The cashier will give the customer their receipt while keeping the merchant receipt.