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Account setup

Before you can start accepting payments with NetPOS, you need to set up your merchant account and configure your terminal.

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Prerequisites

Requirements:
  • Android device running Android 6.0 (API level 23) or higher
  • Active internet connection for initial setup
  • Merchant account credentials from your payment service provider
  • Terminal ID assigned to your business

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Download and install

  1. Download the NetPOS application from your payment service provider or the designated distribution channel
  2. Install the APK on your Android device
  3. Grant the required permissions when prompted:
    • Camera (for QR code scanning)
    • Storage (for receipt downloads)
    • Location (for transaction geolocation)
    • Internet access

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First login

1

Launch NetPOS

Open the NetPOS application on your Android device. You’ll see the login screen with your provider’s branding.
2

Enter credentials

Enter your merchant username and password provided by your payment service provider.
Username: your-merchant-id
Password: ••••••••
3

Complete login

Tap the “Login” button. The application will authenticate your credentials and configure your terminal settings automatically.
If you’ve forgotten your password, tap “Forgot Password?” and enter your registered email address to receive reset instructions.

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Terminal configuration

After your first login, NetPOS will automatically configure your terminal with the necessary parameters. For manual configuration or updates:
1

Access settings

From the dashboard, tap the “Settings” card to open terminal configuration.
2

Configure NIBSS parameters

Enter or verify the following terminal parameters:
  • Terminal ID - Your unique terminal identifier
  • NIBSS IP Address - Connection endpoint for card processing
  • NIBSS Port - Port number for NIBSS communication
  • NIBSS Key 1 - Primary encryption key
  • NIBSS Key 2 - Secondary encryption key
3

Save configuration

Tap “Save Configuration” to store your terminal settings. The application will validate the parameters and establish connectivity.
Keep your NIBSS encryption keys confidential. Never share these keys with unauthorized personnel.

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Your first transaction

Let’s process your first card payment with NetPOS.

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Process a card payment

1

Navigate to transactions

From the dashboard, tap the “Transactions” card to access payment processing options.
2

Select purchase

Tap “Purchase” to initiate a new card payment transaction.
3

Enter amount

Enter the transaction amount using the on-screen keypad. The amount is displayed in your configured currency (e.g., NGN).
Amount: ₦5,000.00
Optionally, add a remark or narration for the transaction.
4

Process transaction

Tap “Process Transaction” to continue.
5

Read card

Follow the on-screen prompts:
  • Insert the customer’s chip card into the card reader
  • Or swipe the magnetic stripe if chip reading fails
  • Wait for the card to be read
6

Select account type

A dialog will appear asking the customer to select their account type:
  • Savings
  • Current
  • Credit
  • Bonus Account
  • Investment Account
  • Universal Account
7

Enter PIN

The customer enters their card PIN on the secure PIN pad. The PIN is encrypted before transmission.
8

Wait for approval

NetPOS processes the transaction through NIBSS. You’ll see a “Processing Transaction” indicator.The response typically takes 5-15 seconds.
9

View result

The transaction result is displayed:
  • Payment Approved (response code 00) - Transaction successful
  • Transaction Failed - Transaction declined or error occurred
The screen shows the full transaction details including:
  • Transaction reference
  • Amount
  • Card type and masked PAN
  • Response code and message
  • Date and time
10

Print receipt

Choose a receipt option:
  • Print Customer - Print customer copy
  • Print Merchant - Print merchant copy
  • Download - Save receipt as PDF
  • Share - Share receipt via messaging apps
  • Download and Share - Save and share receipt
For testing purposes, you can use test card numbers provided by your payment service provider to simulate transactions without real money movement.

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Accept a QR payment

NetPOS supports contactless QR code payments for customers who prefer to pay via their mobile banking apps.

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Generate a payment QR code

1

Navigate to Display QR

From the dashboard menu (three dots), tap “Display QR” to access QR code generation.
2

Enter amount

Enter the payment amount for the transaction.
Amount: ₦2,500.00
3

Generate QR code

Tap “Process” to generate a QR code containing the payment details.
4

Customer scans

The customer scans the displayed QR code using their bank’s mobile app.
5

Wait for notification

NetPOS automatically polls for the payment status. When the customer completes payment in their banking app, you’ll receive an instant notification.
6

Complete transaction

The payment confirmation screen displays with full transaction details. Print or share the receipt with your customer.

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Scan customer QR code

Alternatively, scan QR codes presented by customers:
  1. From the dashboard menu, tap “Scan QR”
  2. Point your device camera at the customer’s QR code
  3. NetPOS reads the payment details and processes the transaction
  4. View the result and print the receipt

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Receive bank transfers

NetPOS provides you with a unique virtual account number for receiving customer payments via bank transfer.

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View your virtual account

1

Access Pay by Transfer

From the dashboard, tap “Bank Transfer” or “Pay by Transfer” (label varies by provider).
2

View account details

Your virtual account details are displayed:
  • Account number
  • Account name (your business name)
  • Bank name
Share these details with your customer for payment.
3

Customer transfers

The customer initiates a transfer to your virtual account from their mobile banking app or internet banking.
4

Receive notification

When the transfer is successful, you’ll receive an instant push notification with:
  • Source account name and number
  • Transfer amount
  • Transaction reference
  • Date and time
5

View transfer history

Tap “Bank Transfer” from the dashboard to view all received transfers with full details.
Bank transfer payments are processed through NIP (NIBSS Instant Payment) and arrive in real-time. No card or PIN is required from the customer.

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Process utility bills

Help your customers pay their utility bills and earn commission on each transaction.

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Pay electricity bill

1

Open bill payments

From the dashboard, tap “Pay Bills” to access utility payment services.
2

Select power

Tap “Power” to process an electricity bill payment.
3

Select provider

Choose the customer’s electricity distribution company from the list of providers.
4

Enter meter number

Enter the customer’s prepaid or postpaid meter number.
5

Verify account

Tap “Verify” to retrieve the account details. The customer name and account information will be displayed for confirmation.
6

Enter amount

Enter the payment amount. The convenience fee (if applicable) will be displayed.
7

Review and pay

Review the payment summary:
  • Provider name
  • Account name
  • Meter number
  • Amount
  • Convenience fee
  • Total amount
Tap “Proceed” to process the payment.
8

Complete payment

The payment is processed and the customer receives their token (for prepaid meters) or payment confirmation (for postpaid).Print or share the receipt containing the token number.

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Other bill payments

The same process applies to other bill categories:
  • Cable TV - Enter smart card number, select package, and pay
  • Airtime & Data - Enter mobile number, select amount or data package, and pay
  • Internet - Select ISP, enter account number, select package, and pay

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View transaction history

Access and manage all your processed transactions.
1

Open transactions

From the dashboard, tap “Transactions” to view your transaction history.
2

Select view type

Choose between:
  • Last Transaction - Quick view of your most recent transaction
  • All Transactions - Complete transaction history with filtering
3

Filter transactions (optional)

Use the date picker to filter by date range:
  • Tap “FROM” to select start date
  • Tap “TO” to select end date
  • View filtered results
4

View details

Tap any transaction to view complete details including card information, response codes, and timestamps.
5

Reprint receipt

From transaction details, tap “Reprint” to print a duplicate receipt (password protected).

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Generate end of day report

Reconcile your daily transactions with a comprehensive end of day report.
1

Access end of day

From the dashboard, tap “View End Of Day” to generate a report.
2

Select date

A calendar dialog appears. Select the date for which you want to generate the report.
3

Wait for report

NetPOS retrieves all transactions for the selected date from the server (and local database if offline).
4

Review summary

The end of day report displays:
  • Total transactions count
  • Total transaction amount
  • Approved transactions count
  • Declined transactions count
Use the filter chips to view:
  • All transactions
  • Approved transactions only
  • Declined transactions only
5

Print or view details

  • Tap “Print” to print the end of day report with the selected filter
  • Tap “View” to see detailed transaction list
  • Tap “Close” to exit
Generate end of day reports regularly (ideally daily) to track your business performance and reconcile with settlement reports from your payment service provider.

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Next steps

Now that you’ve completed your first transactions, explore more features:

Explore all features

Learn about advanced features like refunds, pre-authorization, and multi-currency support

Configure settings

Customize receipt formats, manage terminal settings, and configure security options

Offline operations

Understand how NetPOS works when network connectivity is limited

Security best practices

Learn about transaction security, PIN handling, and data protection

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Getting help

If you encounter any issues or need assistance:
  • Customer support - Contact your payment service provider’s support team
  • Email - [email protected]
  • Phone - +234 818 778 2542, +234 809 999 0660
  • Address - 4, Hakeem Dickson Drive, Off TF, Kuboye Street, Oniru, Lagos
For white-label partners, support contact information may vary. Check your application’s settings or receipt footer for provider-specific contact details.

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