Features

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Payment processing

NetPOS provides multiple payment channels to accommodate different customer preferences and transaction scenarios.

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Card payments

Accept payments from chip cards, magnetic stripe cards, and contactless cards. Supported transaction types:

• Purchase - Standard card payment transactions
• Refund - Process refunds for previous card transactions
• Pre-authorization - Reserve funds on a card without immediate capture
• Pre-auth completion - Complete a previously authorized transaction
• Balance inquiry - Check available balance on customer cards

Card features:

• EMV chip card processing with PIN verification
• Magnetic stripe fallback support
• Multiple account type selection (savings, current, credit, bonus, investment, universal)
• Real-time transaction status updates
• Secure PIN block encryption using TripleDES
• Support for multiple card schemes

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QR code payments

Generate and scan QR codes for contactless payment collection. Display QR code:

• Merchant generates a QR code containing payment details
• Customer scans the code using their banking app
• Payment is processed instantly
• Real-time payment notifications via Firebase

Scan to pay:

• Scan customer-presented QR codes
• Support for Masterpass QR and other QR payment schemes
• Automatic transaction status polling
• Built-in QR code registration for merchants

QR payment schemes supported:

• Masterpass QR
• Zenith QR (for Zenith Bank white-label)
• BlueCode payment system

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Bank transfer payments

Receive payments directly to your virtual account with instant notifications. Pay by Transfer features:

• Unique virtual account number for each merchant
• Real-time NIP (NIBSS Instant Payment) notifications
• View transfer transaction history
• Filter and search transfer payments
• Automatic account name verification

Payment notification details include:

• Source account number and name
• Beneficiary account information
• Transfer amount
• Transaction timestamp
• Unique reference number

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Multi-currency support

Process payments in multiple currencies for international transactions. Merchants can select the currency for each transaction, with automatic currency conversion and display.

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Transaction management

Comprehensive tools for viewing, managing, and analyzing your payment transactions.

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Transaction history

View and filter transactions:

• Last transaction quick view
• All transactions list with pagination
• Date range filtering (from/to date selection)
• Filter by transaction status (approved, declined, all)
• Filter by transaction type
• Search by reference number

Transaction details include:

• Transaction ID and order ID
• Amount and currency
• Card holder information
• Masked PAN (Primary Account Number)
• Transaction timestamp
• Terminal ID and STAN (System Trace Audit Number)
• Response code and message
• RRN (Retrieval Reference Number)
• Account type and card type

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Receipt management

Print and share receipts:

• Print customer copy
• Print merchant copy
• Download receipt as PDF
• Share receipt via messaging apps
• Email receipt to customer
• SMS receipt delivery

Receipt formats:

• Standard POS receipt with merchant branding
• Includes transaction details, terminal info, and merchant contact
• Reprint indicator for duplicate receipts
• Support for custom receipt templates per white-label flavor

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Reprint transactions

Reprint receipts for historical transactions with password protection.

• Password-protected access to reprint functionality
• Search transactions by reference, date, or amount
• Print customer or merchant copy
• Clear reprint watermark on duplicate receipts

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Refund processing

Process refunds for card transactions directly from the terminal.

• Select transaction from history
• Initiate refund request
• Card verification for refund
• Automatic refund receipt generation
• Refund tracking in transaction history

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Bill payments

Process utility bill payments for customers with real-time verification and confirmation.

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Electricity/Power

Supported providers:

• Multiple electricity distribution companies
• Prepaid and postpaid meter support

Payment flow:

1. Select provider
2. Enter meter number
3. Verify account details and customer name
4. Enter amount
5. Review and confirm
6. Process payment
7. Generate receipt with token (for prepaid)

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Cable TV subscriptions

Supported providers:

• Multiple cable TV operators
• Various subscription packages

Payment process:

1. Select cable TV provider
2. Enter smart card number
3. Verify account name
4. Select subscription package
5. Review amount and convenience fee
6. Process payment
7. Instant subscription activation

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Airtime and data

Top-up services:

• All major Nigerian network operators
• Airtime recharge
• Data bundle purchases

Features:

• Mobile number verification
• Quick amount selection
• Data package selection
• Instant delivery
• Transaction confirmation receipt

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Internet subscriptions

Process internet service provider subscription payments with account verification.

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End of day reporting

Generate comprehensive daily transaction reports for reconciliation. Report features:

• Select date for report generation
• Total transaction count
• Total transaction amount
• Approved transactions breakdown
• Declined transactions breakdown
• Filter by approval status (all, approved, declined)

Report actions:

• View detailed transaction list
• Print end of day report
• Print filtered transactions (approved/declined only)
• Export report data

Automatic reconciliation:

• Retrieves transactions from server
• Falls back to local database if offline
• Matches local and remote transactions
• Identifies discrepancies

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Settings and configuration

Configure terminal parameters and application settings.

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Terminal configuration

NIBSS terminal settings:

• NIBSS IP address
• NIBSS port number
• Terminal ID
• NIBSS encryption keys (Key 1, Key 2)
• Automatic key refresh

Configuration options:

• Use terminal ID from logged-in account
• Manual terminal ID override
• Receipt format selection
• Reprint password management

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Receipt preferences

Customize receipt output format and delivery options.

• Default receipt format (standard/custom)
• Automatic print settings
• Customer copy preferences
• Merchant copy preferences
• Digital receipt delivery options (email/SMS)

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Security features

NetPOS implements multiple layers of security for payment processing: Authentication:

• Username and password login
• JWT token-based session management
• Password reset via email
• Session timeout protection

Transaction security:

• Encrypted PIN block transmission
• TripleDES encryption for sensitive data
• Secure key storage using Android KeyStore
• PCI compliance for card data handling
• No storage of sensitive authentication data (full PAN, CVV)

Data protection:

• Local database encryption
• Secure network communication (TLS/SSL)
• Firebase Cloud Messaging for secure notifications
• Automatic security updates via backend configuration

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Offline capabilities

Continue operations even when network connectivity is limited. Offline features:

• Local transaction storage in Room database
• Transaction queue for failed uploads
• Automatic retry on connectivity restoration
• End of day reports from local database
• Transaction history access offline

Background sync:

• WorkManager-based background processing
• Automatic transaction upload retry
• Network-aware sync scheduling
• Battery-optimized sync operations

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White-label customization

NetPOS supports complete white-label customization for banking and payment partners. Customizable elements:

• Application name and branding
• Logo and color scheme
• Splash screen
• Receipt footer with partner contact information
• Feature enable/disable per flavor
• Custom payment flows
• Partner-specific integrations

Supported flavors:

• NetPOS (default)
• Zenith Bank
• Wema Bank
• Providus Bank
• Konga
• Wema Cash Out
• Wema MPGS
• Heritage Bank
• Aella Credit
• TingoPay
• Unity Bank
• EasyPay