Point of Sale Terminal
The Point of Sale terminal is a portable device that facilitates payments for goods and services at merchant locations using payment cards issued by all banks on the network.
Introducing our POS Merchant Portal.
Experience the new UBA POS Merchant solution platform. Our merchants now have a platform to respond to POS dispute claims logged against them.
Features
- Payments for purchase.
- Balance enquiry.
- Accepts all Cards (Visa, MasterCard, Verve).
- Other Value Added Services (Bill Payments, Air time vending).
- Merchant has access to view transactions online real.
Benefits
- Increased Sales: Buyers spend more with cards.
- Customer Satisfaction: Cardholders will flexibility of payment.
- Speed of Checkout: No more queues, no more counting of bills giving change or waiting to write cheques.
- Safety: With less cash, you are less vulnerable to theft and pilfering.
- Earn revenue on ‘Cash-back’ transactions: Buy goods, buy cash.
Target Merchants
- Any established businesses or stores where there is trade of goods and service.
- The merchants must have a permanent address of business, complete a KYC form and have an account for direct deposit by the assigned PoS.
- Merchants could be one man business such as traders, stores, SME, retail chain of stores, distribution chain large corporates.
Target Industries
- Traders/stores: Supermarkets, Pharmacies, Computer/IT & Allied, Electronics, etc.
- Services: Courier companies, hospitals, dry-cleaning, organized transportation, restaurants, fast-food outlets, beauty shops, Hotels, Airlines, Stores at Airports, Travel Agency, Car Rental, etc.
- Petroleum: Filling stations, Oil Marketers, Diesel delivery services, Gas refill stations, etc.
- Wholesale: GSM dealers and shops, organized car dealers and repair outlets, FMCG distribution chain, etc.
- Institutions: Embassies, Churches, Mosques, Schools, professional organization, etc.
Features
Merchant User Sign-Up
Merchant User Log-In
Merchant User Password Reset
Claim Notification and Response
Features
- – Self-service onboarding
- – Claim notifications for merchants via emails.
- – Batched claims notification
- – Batch response capabilities
- – A global view of all pending and active claims
- – Dashboard for insightful summaries.
- – Reminder notifications
- – Escalation to assigned Relationship Managers for prompt responses
- – A comment section to aid resolution and provide feedback
Merchant User Sign-Up
- – Launch the application at https://pmds.ubagroup.com/
- – Click on the Signup button to create an account.
- – Enter the required information to sign-up (Details are as advised in the mail body).
- – Click on the Get Started button.
- NB: As long as they are listed on the UBA POS Database, the system sends an OTP to the merchant’s primary phone number and email.
- – An OTP will be sent to the merchant’s email or mobile.
- – Type in the OTP and submit for validation.
- – A user password will be created. Click on Confirm.
- – The user will be redirected to the application login page following a successful sign-up.
Merchant User Log-In
- – Launch the application at https://pmds.ubagroup.com/
- – Input the personal email address (Username) used for signup and the created password.
- – Click on the login button.
- – Upon successful login, the user can access the dashboard.
Merchant User Password Reset
- – Launch the application at https://pmds.ubagroup.com/
- – Click on ‘Forgot Password?
- – Enter the email address (Username) and submit
- – A token will be sent to the registered phone number used at signup
- – After successful validation, user can enter the new password and confirm.
- – Once the new password is validated, the user is redirected to Login page.
Claim Notification and Response
Merchants receive mail notifications of claims logged against them. Mails are sent to the provided email captured on the merchant terminal information. Mail notifications are batch-processed, and reminders are set to run three hours every day until they expire.
How Merchants respond to Claim Notification
- – Click on the ‘Resolve Claim’ button in the email or launch the application at https://pmds.ubagroup.com/ and login with created credentials.
- – New claims can be accessed on the dashboard or through the ‘New Claim’ menu.
- – A list of all uploaded claims received by the merchant will be displayed.
- – Click the ‘View’ button on a claim.
- – Claim details will be displayed by the system
- – The claim can be reviewed by the user who selects ‘ACCEPT’ or ‘REJECT’ as deemed fit.
- – The user is prompted to upload receipt to the system for REJECTED claims.
- – The receipt image must be uploaded in .jpg, .jpeg or png format.
Please Note: If the merchant does not respond to a claim within 24 hours, the claim is automatically classified as “ACCEPTED” by the merchant.
Claim Comments
- – The portal has a comment section that enables real-time conversation between internal users and merchants.
- – These communications can be accessed on the portal at anytime.
FAQs for POS Merchants
How can I request for a POS terminal?
To request for a POS terminal, please note the following steps:
- i. Click here to download the registration form
- ii. Fill out the registration form
- iii. Submit the complete form at the branch closest to you
- iv. After your request is approved, you will receive a confirmation email with your login information and contact details for your POS support officer
- v. The POS terminal will be delivered to you within 3 – 7 working days.
Do UBA POS terminals accept all cards?
Yes, UBA POS terminals accept all cards: Verve, MasterCard and Visa.
Do I need to have an account with UBA to own a POS terminal?
UBA POS Terminals are only available to UBA account holders. We however are able to provide special events POS terminals in some instances. Contact your POS Support Officer or email cfc@ubagroup.com for more information.
How much does it cost to get a UBA POS terminal?
All UBA POS terminals are free.
Can a merchant have more than one POS?
Merchants can apply for more than one POS terminal. However, the businesses are required to have several pay points with a minimum turnover of ₦2 million.
Can a savings account holder request a POS?
The CBN policy currently does not permit the use of savings accounts for merchant services. Therefore ony current and corporate account holders can request POS Terminals.
How long does a terminal request take?
Requests made within Lagos will take 3 working days while requests made outside Lagos will take 5-7 working days.
What is the difference between an Android and an Analog POS terminal?
An Android POS terminal is built with an Android Operating System and uses the 4G network & WiFi. Analog POS terminals use only GPS network.
Can my POS terminal work with my local area network?
Yes, it can. Some POS terminal types have ports for LAN cables while some others are WiFi enabled and can be connected to a LAN.
What 's the difference between Agency banking POS and Merchant POS terminals?
| A+C13:D17 | Merchant POS terminals |
| The agent earns 70% of transaction fees as commission | The merchant pays 0.5% of transaction fees as charges |
| The agent’s terminal can process withdrawal, deposit and transfer transactions from cardholder’s account to other accounts. | The merchant terminal can only process transactions which can only settle into merchant’s account. |
| Instant settlement is available for agents | Transactions can only be settled by the next working day |
| Agents have two accounts. One known as transaction account. The other known as the commission account. | Merchants have one account which must be a current account. |
| Other bank charges are waived for agents using a special scheme code – SBAGT. | Other bank/regulatory charges such as account maintenance, stamp duty and VAT apply. |
How do I respond to a chargeback request?
When you receive the email from POS.UBACARES@ubagroup.com or your Relationship Manager, kindly accept/decline the chargeback request within 24 hours, following the steps below:
- – Check through your transaction receipts and End of Day (EOD) report for the disputed transaction
- – Confirm transactions that are either “Approved or Declined”.
- – If your receipt copy shows “Declined”, attach the receipt and respond to the email with “Dispute accepted”
- – If your receipt copy shows “Approved”, respond to the email with a copy of the receipt.
When a response is not received, your account will be debited and funds returned to the cardholder.
FAQs for POS Transactions
How long will it take for my account to be credited for transactions on my PoS?
Transactions can only be settled by the next working day.
Why are POS transactions credited on the next working day and not same day?
It enables the card processing companies (i.e. Visa, Verve, Mastercard) to complete the reconciliation of the transactions.
How do I know a transaction has been successful?
All terminals will print out a reciept showing “approved” after each transaction for both the customer and merchant.
How do I get reports of all previous transactions?
Reports of all previous transactions can either be retrieved from the POS terminals End-of-Day (EOD) report or via the Online portal (UBA Moneytor) which provides a view of your settlement reports.
How can I access my report on my POS terminal (End of Day)?
To request for a POS terminal, please note the following steps:
- 1. Click on “Settings” on the home screen.
- 2. Click on “Supervisor” then enter PIN “1234” or “12345”.
- 3. Click on “2” for “End-of- Day”.
- 4. Click on “1” for “All Transactions” then select a “Date” from the list. OR click on “2” to print using “PAN” or “RRN”.
- 5. Scroll down on the receipt display.
- 6) Click “Print” or “Cancel”.
What happens if a customer gets debited for a failed transaction?
The cardholder should log a complaint with their bank to get a refund.
What happens if a customer gets debited for a failed transaction and a decline receipt is not printed by the merchant?
Customers can get a refund for this type of transaction without a decline receipt. The cardholder should be advised to submit a chargeback request at his or her bank. Merchants must always wait for their bank’s advise.
What do I do or who do I contact when my transactions are not settled on time?
For prompt resolution, please contact your relationship manager or the POS support officer assigned to you. You can also send an email to POSUBACARE@UBAGROUP.COM
Is there a daily limit for transactions on POS terminals? If yes, what is the limit?
There is no transaction limit.
FAQs for UBA Moneytor
What is UBA Moneytor?
It is an online portal for Merchants to help manage all POS transactions from Onboarding to settlement and reconciliation.
How can I access my report on the Moneytor portal?
To access your reports on UBA Moneytor, please note the following:
- 1. Click here to access the Moneytor platform and login with your username and password.
- 2. Click on “Settlement Transactions”.
- 3. Click on “Sort & Filter”.
- 4. Filter by “Date Range”.
- 5. Enter “Merchant ID” or “Terminal ID” or “Amount”.
- 6. Click on “Apply Filter”.
- 7. Click on “DOWNLOAD” at the top menu then wait for the data to load. The “EXCEL FILE” is downloaded to the system.
NB: If report data is too large, the file is sent directly to the email profiled under the user’s account.
Does the UBA Moneytor platform give me a real time view of all my POS transactions?
UBA Moneytor gives you a real time view of all your POS transactions.
FAQs for POS Complaints
My POS terminal is faulty who do I contact?
For faulty POS terminals, please contact your relationship manager or POS support officer. You will find their details in the confirmation email sent to you during your POS terminal registration.
What do I do if I see an error message on my terminal?
Please contact your POS Support Officer for quick resolutions.
When can a chargeback request be filed by a cardholder? How does the chargeback process work?
Chargeback requests are filed when a cardholder/customer has been debited for an unsuccessful transaction. The customer contacts their bank/card issuer to submit a chargeback request and requests a refund. Succesful chargebacks will be refunded. Funds will be sent back to merchant if chargeback is unsucessful.
What should I do when I receive a chargeback claim?
The Merchant can either approve or decline the transaction. Approval must be given when the transaction is confirmed as valid. Transaction must be declined if it is proven to be invalid.
How long does it take for a reversal of failed transactions?
All reversals are instant, however if the transaction isn’t reversed within 24hours, the card holder should visit his or her bank to make a complaint.
How long does it take for transactions to be reversed after a dispute is raised by the cardholder?
Once a customer requests chargeback, the request is logged for investigation and takes 3-5 working days to be resolved.
