Agent Banking

Learn how Danipa agents handle cash-in and cash-out services, helping customers access digital financial services in their communities.

Overview

Danipa agents are authorized individuals or businesses that provide cash-in (deposit) and cash-out (withdrawal) services on behalf of Danipa. Agents serve as physical access points for customers who prefer cash transactions or don't have direct access to mobile money services.

For Customers — Using an Agent

Finding an Agent

1. Open the Danipa app
2. Tap More → Find an Agent
3. Allow location access to see agents near you, or search by:
   • City or town
   • Agent ID number
   • Agent name
4. Each listing shows:
   • Agent name and location
   • Distance from you
   • Operating hours
   • Services available (cash-in, cash-out, or both)
   • Rating from other customers

Cash-In (Depositing Money)

To add money to your Danipa wallet through an agent:

1. Visit a Danipa agent location
2. Tell the agent you want to deposit money into your Danipa wallet
3. Provide your Danipa phone number
4. Hand the cash to the agent
5. The agent initiates the deposit on their device
6. You'll receive a confirmation SMS and push notification
7. Verify the amount is correct in your app
8. You'll be asked to confirm the deposit in your app

Tip: Always wait for the confirmation notification before leaving the agent location.

Cash-Out (Withdrawing Money)

To withdraw cash from your Danipa wallet through an agent:

1. Visit a Danipa agent location
2. Tell the agent you want to withdraw money
3. Open the Danipa app and go to Withdraw → Agent Cash-Out
4. Enter the amount you want to withdraw
5. The app generates a withdrawal code (6 digits, valid for 15 minutes)
6. Give the code to the agent (do not share your PIN)
7. The agent enters the code to confirm
8. Collect your cash
9. You'll receive a confirmation notification

Agent Transaction Fees (for Customers)

For Agents — Becoming a Danipa Agent

Eligibility

To become a Danipa agent, you need:

• A registered business or shop with a fixed physical location
• A valid business registration certificate
• A Danipa merchant account with Premium KYC verification
• Sufficient float (starting balance) to handle transactions
• A smartphone or tablet with internet access

Application Process

1. Go to merchant.danipa.com/agents or visit Merchant Dashboard → Agent Services → Apply
2. Fill in the application:
   • Business name and address
   • Business registration number
   • Owner details
   • Proposed operating hours
   • Expected transaction volume
   • Photos of your business location
3. Submit the application
4. Our agent onboarding team will review (typically 3–5 business days)
5. If approved, you'll receive:
   • An Agent ID number
   • The Danipa Agent App (separate from the regular app)
   • Training materials and branding kit

Agent Float Management

Float is the balance you maintain to facilitate customer transactions:

• Cash-in: When a customer deposits cash, the equivalent amount is deducted from your agent float and added to the customer's wallet
• Cash-out: When a customer withdraws, cash goes from your register to the customer, and the equivalent is added to your agent float

Rebalancing Float

If your float runs low:

1. Open the Agent App → Float → Top Up
2. Transfer from your personal Danipa wallet or bank account
3. Float is available immediately

If you have excess float:

1. Open the Agent App → Float → Withdraw
2. Transfer to your personal wallet or bank account

Agent Commissions

Agents earn a commission on every transaction:

Commissions are credited to your agent float in real time. You can view your earnings in Agent App → Earnings.

Agent Dashboard

The Agent App provides:

• Transaction history — all cash-in and cash-out transactions
• Float balance — current float with top-up and withdrawal options
• Earnings — daily, weekly, and monthly commission reports
• Customer lookup — verify customer details before processing
• Alerts — notifications for low float, large transactions, and system updates

Agent Transaction Limits

Safety Guidelines

For Customers

• Never share your PIN with the agent — they only need your phone number or withdrawal code
• Wait for confirmation in your app before leaving
• Get a receipt — ask the agent to show you the transaction confirmation on their device
• Report issues immediately — use the app to report a problem: Transactions → tap the transaction → Report Issue

For Agents

• Verify customer identity — check that the phone number matches the customer
• Count cash carefully — in front of the customer
• Issue receipts — always show the transaction confirmation to the customer
• Maintain adequate float — check your balance at the start of each day
• Report suspicious activity — contact Danipa immediately if you suspect fraud
• Display your Agent ID — keep your Danipa agent branding visible at your location

Troubleshooting