How it worksInavyofanya kazi

From tap to settled wallet.Kutoka mguso hadi pochi kulipwa.

Dalipay sits between your checkout and the licensed payment rails. You call one API; we handle processing, notification, and settlement.Dalipay iko kati ya checkout yako na njia halali za malipo. Unapiga API moja; sisi tunashughulikia uchakataji, arifa, na malipo.

~0.9s Avg. confirmationWastani wa uthibitisho
2 railsnjia Cards & walletsKadi & pochi
PSP Licensed aggregatorMsambazaji mwenye leseni
The payment flowMtiririko wa malipo

Five steps, every time.Hatua tano, kila mara.

A clean pipeline from your customer's tap to your wallet balance.Mkondo safi kutoka mguso wa mteja hadi salio la pochi yako.

01

Customer chooses DalipayMteja anachagua Dalipay

At checkout they select card or a mobile wallet.Kwenye checkout anachagua kadi au pochi ya simu.

02

Dalipay captures the requestDalipay inapokea ombi

We capture the payment intent and forward it to PSP.Tunapokea nia ya malipo na kuituma kwa PSP.

03

PSP authorizesPSP inaidhinisha

Our licensed aggregator processes it with the card scheme or wallet.Msambazaji wetu mwenye leseni anaichakata na mtandao wa kadi au pochi.

04

Result returns via webhookJibu linarudi kupitia webhook

The outcome is returned to Dalipay and pushed to your server.Matokeo yanarudishwa Dalipay na kutumwa kwenye seva yako.

05

Funds settle to your walletFedha zinalipwa kwenye pochi

Net of the 3% fee and partner charges, proceeds settle to your MNO wallet.Baada ya ada ya 3% na gharama za washirika, fedha zinalipwa kwenye pochi yako ya MNO.

The operating modelMuundo wa uendeshaji

Who does what.Nani anafanya nini.

Dalipay runs a partner-enabled model. Payment authorization, clearing and settlement are performed by licensed partners; Dalipay provides the technology, the merchant relationship, and support.Dalipay huendesha muundo unaowezeshwa na washirika. Uidhinishaji wa malipo, usafishaji na malipo hufanywa na washirika wenye leseni; Dalipay hutoa teknolojia, uhusiano wa mfanyabiashara, na msaada.

TechnologyTeknolojia

Dalipay

  • Payment technology & APITeknolojia ya malipo & API
  • Merchant onboarding & supportUsajili & msaada wa mfanyabiashara
  • Dashboard, reports & webhooksDashibodi, ripoti & webhooks
LicensedMwenye leseni

PSP

  • Payment aggregation & processingUsambazaji & uchakataji wa malipo
  • Card scheme connectivityMuunganisho wa mitandao ya kadi
  • Authorization & clearingUidhinishaji & usafishaji
RailsNjia

Mobile NetworksMitandao ya Simu

  • Wallet & settlement railsNjia za pochi & malipo
  • M-Pesa, Tigo Pesa, Airtel, HalopesaM-Pesa, Tigo Pesa, Airtel, Halopesa
  • Consumer wallet infrastructureMiundombinu ya pochi za wateja
DALI GEOTECH INVESTMENT does not operate as a licensed payment system provider or bank. It provides payment technology and merchant enablement on top of licensed partners.DALI GEOTECH INVESTMENT haifanyi kazi kama mtoa huduma ya mfumo wa malipo mwenye leseni au benki. Hutoa teknolojia ya malipo na uwezeshaji wa wafanyabiashara juu ya washirika wenye leseni.
SettlementMalipo

How you get paid.Jinsi unavyolipwa.

Successful transactions are aggregated per merchant. The 3% fee and applicable partner charges are deducted, and net proceeds are paid to your mobile money wallet on your chosen schedule.Miamala iliyofanikiwa hukusanywa kwa kila mfanyabiashara. Ada ya 3% na gharama za washirika hukatwa, na fedha halisi hulipwa kwenye pochi yako ya pesa za simu kwa ratiba uliyochagua.

ScheduledRatiba Automatic or on-demand payoutsMalipo ya kiotomatiki au kwa ombi
3% flat feeada tambarare Deducted before settlementHukatwa kabla ya malipo
MNO walletpochi Same wallet you already usePochi hiyo hiyo unayotumia
RecommendedInapendekezwa

AutomaticKiotomatiki

Scheduled payouts without manual action.Malipo ya ratiba bila hatua ya mkono.

ManualKwa mkono

Payouts released after review or approval.Malipo hutolewa baada ya ukaguzi au idhini.

Card settlements typically take longer than wallet settlements, depending on partner processing windows.Malipo ya kadi kwa kawaida huchukua muda mrefu kuliko ya pochi, kutegemea vipindi vya uchakataji vya washirika.

Ready to see it live?Uko tayari kuiona ikifanya kazi?

Developers can start in the sandbox today. Merchants can register and complete KYC to go live.Wabunifu wanaweza kuanza kwenye sandbox leo. Wafanyabiashara wanaweza kujisajili na kukamilisha KYC ili kuanza.