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.
Description
- Point of Sale (POS) terminals facilitate payments for goods and services at merchant locations using payment cards.
Target Industries
- Retail stores.
- Supermarkets.
- Restaurants and cafes.
- Hotels and hospitality services.
- Service providers.
- Healthcare facilities.
- Educational institutions.
- Any business seeking efficient payment solutions.
Features
- Same-Day Settlement – Receive funds instantly into your UBA account.
- Real-Time Monitoring – Track transactions live via your dashboard.
- Pay-by-Link – Accept remote payments through a secure link.
- Daily Settlement Reports – Auto-generated summaries for easy reconciliation and tracking.
- Dispute Reduction and Resolution – Fewer chargebacks and transaction failures. Dispute failed transactions on dashboard.
- Competitive Pricing –Transparent and affordable transaction fees for all business sizes.
- Transaction Insights – Monitor card success rates across other banks.
- Flexible Settlement Options – Customise timelines and structures that works best for your business.
- 100% Success Rate – Reliable and seamless transaction processing.
Benefits
- Faster Cash Flow – Get access to your funds instantly.
- Reliable Payment Processing – Keep your business running smoothly.
- Improved Customer Experience – Quick, secure, and hassle-free payments.
- Simplified Accounting – Easy-to-read daily reports for faster reconciliation.
- Remote Payment Flexibility – Accept payments without physical interaction.
- Full Support – 24/7 customer service and dedicated relationship managers.
- Scalable for Any Business – Works for retail, hospitality, healthcare, education, and more.
- Enhanced Operational Efficiency – Minimize delays, errors, and downtime
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 Transactions
How long will it take for my account to be credited for transactions on my POS?
Settlement is done same day.
Why are POS transactions credited on the next working day and not same day?
The Red Pay POS is settled on the same day which is a new improvement to our old POS settlement.
How do I know a transaction has been successful?
It is printed on the receipt.
How do I get reports of all previous transactions?
The Red Pay POS solution has an End of Day reporting feature that captures and reports all transactions you have done for the entire day.
How can I access my report on my POS terminal (End of Day)?
The End of Day Report is captured in the merchant dashboard and can be viewed on an Android phone or laptop.
What happens if a customer gets debited for a failed transaction?
With our new POS solution that is highly unlikely as you can view real time if a transaction fails and the reason why. It is 99.9% accurate. But if a customer gets debited, the customer reports to his/her bank.
What happens if a customer gets debited for a failed transaction and a decline receipt is not printed by the merchant?
The customer can visit his/ her bank, a receipt is not crucial to logging the complaint.
What do I do or who do I contact when my transactions are not settled on time?
Reach out to your assigned Relationship Manager, any branch or call our contact center.
Is there a daily limit for transactions on POS terminals? If yes, what is the limit?
Daily limit is set by card issuer and it differs by bank.
FAQs for POS Complaints
Who do I contact?
Reach out to your assigned Relationship Manager, any branch or call our contact center.
What do I do if I see an error message on my terminal?
Reach out to your assigned Relationship Manager, any branch or call our contact center.
When can a chargeback request be filed by a cardholder? How does the chargeback process work?
Card holder reached out to issuing bank and fill request after 24 hours.
What should I do when I receive a chargeback claim?
Respond to the chargeback to accept or decline the chargeback.
How long does it take for a reversal of failed transactions?
Reversal is automated within 24 hours, but if not 2-3 working days.
How long does it take for transactions to be reversed after a dispute is raised by the cardholder?
Card holder reached out to issuing bank and fill request after 24 hours.
Requirements
- A current or corporate account with UBA.
- CAC certificate with a registered business name.