Agent Banking

How customers use Danipa agents for cash-in / cash-out, and how to apply to become one.

5 min read

Overview

Danipa agents are registered businesses or individuals who offer cash-in (deposit) and cash-out (withdrawal) services for the Danipa Pay community. They're the physical access point for customers who prefer cash or who don't have direct mobile-money rails available.

Agent features live inside the main Danipa Pay mobile app — there is no separate "agent app". Once your agent application is approved, an Agent dashboard appears alongside the regular tabs.

For customers — using an agent

Cash in (deposit)

To add money to your wallet through an agent:

1. Visit a Danipa agent.
2. Tell them you want to deposit, and give them your registered phone number.
3. Hand the cash to the agent. They start the deposit on their device.
4. You'll get a notification on your phone showing the amount and the agent's name.
5. Confirm the deposit in the app.
6. Wait for the success notification before you leave.

Never share your PIN with an agent — only your phone number is needed to identify your account.

Cash out (withdrawal)

To get cash from your wallet through an agent:

1. Visit the agent and tell them you want to withdraw.
2. In your Danipa Pay app, start a cash-out request to that agent.
3. The agent reads or scans the request on their side.
4. Confirm the amount in your app and authorise with your transaction PIN.
5. The agent counts out the cash to you.
6. Wait for the success notification before you leave.

If anything looks wrong on the screen — the amount, the agent name — cancel before you authorise.

Customer fees

Cash-in is typically free for the customer. Cash-out fees scale with the amount and follow the same fee schedule as a wallet cash-out — the exact figure is shown on the review screen before you authorise.

For agents — apply to be one

You can apply to become a Danipa agent from the mobile app.

Eligibility

You'll need:

• A registered business with a fixed location.
• Valid business registration documents.
• Bank or mobile-money account details for float settlement.
• Sufficient float (starting balance) to handle customer transactions.

Apply through the app

1. Open Profile in the Danipa Pay app.
2. Tap Become an agent (visible if you don't already have an application).
3. The agent registration flow walks you through the steps:
   • Location — your business address.
   • Documents — upload business registration and ID documents.
   • Bank details — where settlement payouts go.
   • Agreement — accept the agent terms.
4. Submit. Track the review status under Profile → Agent application.

Once approved, the Agent view unlocks inside the mobile app.

Agent operations

After approval, the Agent surface gives you everything you need to run the cash desk.

Cash in

Take a customer's cash and credit their Danipa Pay wallet:

1. Open Agent → Cash in.
2. Enter the customer's phone number — the app confirms their name.
3. Enter the amount.
4. Confirm.
5. The customer gets a notification to confirm on their side. The transaction completes once they confirm.

Cash out

Pay out cash to a customer who's withdrawing from their wallet:

1. Open Agent → Cash out.
2. Confirm the customer's request (initiated from their app).
3. Hand over the cash.
4. Confirm completion in the app.

Register a customer

If a customer doesn't yet have a Danipa Pay account, you can help them sign up on the spot:

1. Open Agent → Register customer.
2. Enter their phone number, full name, and basic details.
3. Submit — the customer receives an SMS with the next steps to verify and set their PIN.

Float management

Your float is the working balance you use to credit customer cash-ins. Cash-outs add cash from your till back into the float.

• Top up float by transferring from your personal Danipa Pay wallet or an external source.
• Withdraw excess float back to your wallet.
• History shows every float movement with running balance.

Open Agent → Float management to do any of these.

Commissions and performance

Agents earn a commission on every cash-in and cash-out. Commissions are credited to the float in real time.

• Agent → Commissions shows daily, weekly, and monthly earnings broken down by transaction type.
• Agent → Performance shows your activity and standings.
• Agent → Leaderboard ranks active agents (regional or country-wide depending on your enrollment).

Safety guidelines

Customers

• Never share your PIN with the agent — they only need your phone number to identify you.
• Wait for the success notification before you leave the agent.
• Verify the amount on your screen matches what you're paying or receiving.
• Report problems immediately — file a dispute via Dispute Resolution.

Agents

• Verify the customer's name matches the one your app returns from their phone number.
• Count cash in front of the customer.
• Maintain adequate float at the start of each day so you can serve customers.
• Report suspicious activity to support immediately — see Fraud Prevention.

Troubleshooting