How it works — Dalipay payment flow

The payment flowMtiririko wa malipo

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

Customer chooses DalipayMteja anachagua Dalipay
At checkout they select card or a mobile wallet.Kwenye checkout anachagua kadi au pochi ya simu.
Dalipay captures the requestDalipay inapokea ombi
We capture the payment intent and forward it to AzamPay.Tunapokea nia ya malipo na kuituma kwa AzamPay.
AzamPay authorizesAzamPay inaidhinisha
Our licensed aggregator processes it with the card scheme or wallet.Msambazaji wetu mwenye leseni anaichakata na mtandao wa kadi au pochi.
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.
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.

FunctionKazi	Responsible partyMhusika
Payment technology & APITeknolojia ya malipo & API	Dalipay (DALI GEOTECH INVESTMENT)
Merchant onboarding & supportUsajili & msaada wa mfanyabiashara	Dalipay
Payment aggregation & processingUsambazaji & uchakataji wa malipo	AzamPay
Card scheme connectivityMuunganisho wa mitandao ya kadi	Via licensed aggregatorKupitia msambazaji mwenye leseni
Wallet & settlement railsNjia za pochi & malipo	Mobile Network OperatorsWatoa huduma za simu (MNO)

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.

Settlement modesNjia za malipo

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.

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

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

Who does what.Nani anafanya nini.

How you get paid.Jinsi unavyolipwa.

Settlement modesNjia za malipo

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