This is Gbenga Agboola, Head, Product Management & Innovation, Digital Banking for Access Bank. I’m here with the Access Bank team and we’re ready to discuss Payment Solutions and PayWithCapture. Ask Us Anything!

accessbank · August 20, 2015, 4:13pm

PayWithCapture Works via a variety of Channels.

Mobile ( All Mobile OS )
Online ( this works via scanning a QR-code online and payment is fulfilled when the consumer authenticates on the mobile)
3.Offline ( Products can now be sold on newspapers via QR codes. We believe the next Black Friday can happen offline )

Sunshine · August 20, 2015, 4:17pm

Hello accessbank, a couple of questions.

As a merchant, how can I sign up to use PayWithCapture?
Are payment/settlements passed through NIBSS?
Also, how and when do I get my money. Does payment to my account come immediately or I have to wait a couple of days/hours
Are the transactions offline or online? If they are offline, how is the debit and credit done?

accessbank · August 20, 2015, 4:18pm

Payment Solutions is our area of expertise @ Access Bank.

We are pleased to announce that we now have payment APIS for

MasterCard
VISA
Verve

acceptance with simple APIs without the need for a hosted payment page.

stigwue · August 20, 2015, 4:21pm

Sending APIs? Why not put it up so devs can see it? We really shouldn’t be able to use it without a valid API key.

accessbank · August 20, 2015, 4:24pm

Hello @Sunshine

SignUp for PayWithCapture @ https://www.paywithcapture.com
Payments are settled into your Merchant Account.
All Payments are remitted to your account 24hours after payment
Transactions can be offline & online. Offline transactions are debited real-time… We have alternative routing protocols e.g. USSD for payment which facilitates this.

stigwue · August 20, 2015, 4:25pm

Take a look at stripe’s pricing. How is capture different in areas such as % in fees, time before earnings transfer, what kind of Access bank account is required (corporate only?).

accessbank · August 20, 2015, 4:26pm

This would be published ASAP.

segebee · August 20, 2015, 4:31pm

lol at payment solutions been your area of expertise…you guys are the newest in the space

accessbank · August 20, 2015, 4:31pm

Pricing is currently 1.25% capped @ N2000. No entry fees, No Integration Fees , No qwertyuiop, No rgfhfgfetype

We are the Access Bank Innovation Guys…Inventing new words…

segebee · August 20, 2015, 4:34pm

Ok…these memes are becoming a tad too many and might seem like you guys aren’t taking this seriously. This is people aka Nigerians’ monies we talking about here.

My question is @accessbank do you have APIs to check account balances on a customer’s account?

Which would help in the case of verifying a payment was made.

Appreciate you guys spending time with us.

Cheers

accessbank · August 20, 2015, 4:35pm

Spot On

We got the newest APIs for you to accept Mastercard & VISA ( local & foreign ) with your own look & feel on your mobile App or e-commerce store.

We would even help with PCI compliance!!!

Indeed we are the newest kid on the block but also

stigwue · August 20, 2015, 4:37pm

Publish API, implement test feature, let the bad (OK good) guys test it out.

lordbanks · August 20, 2015, 4:38pm

@accessbank From a consumer standpoint, it would be great to be able to know where exactly PayWithCapture is accepted. Which merchants support it. Right now, one has to literally go hunting. Perhaps a list thingy? One that dynamically updates as new merchants/locations pop up? A service is only useful if I can find it.

akamaozu · August 20, 2015, 4:47pm

How difficult would it be to generate a Capture Code?
Is it something we can expect smaller businesses like a trader in Computer Village to effortlessly do?

What about chargebacks?

accessbank · August 20, 2015, 4:49pm

True
There’s a virtual marketplace on the app that lists all live merchants and this is updated frequently
Currently, we have merchants in all lifestyle categories (churches, eateries, retail stores, airlines, hotels …) and more are signed up daily
Right now, we offer discounts when you pay at most merchants listed. The list of discounts is listed on the Loyalty tab on the app

accessbank · August 20, 2015, 4:49pm

Payment verification API is available for all payment types. Check Account balance API can only be used by merchants for their own accounts.

Sunshine · August 20, 2015, 4:51pm

@accessbank what happens if as a customer, I lose my phone? Does the thief automatically get access to my account?

Also, as a merchant, how do I generate QR codes? Take for example, Shoprite, will they have to generate QR codes of each product in their shop? Please explain how the QR code feature works.

lordbanks · August 20, 2015, 4:56pm

You know what would be brilliant? Implementing the vendor list in-app. Or making a vendor locator companion app. With location detection, smart recommendations, push notifications on deals/offers and all. Yes, more work, I know. Maybe some Radar folk might even be happy to consult on such a project

accessbank · August 20, 2015, 5:01pm

Every Merchant can generate a Capture Code from their PayWithCapture Merchant profile. We would even generate the QR code and deploy to merchants on demand.

ChargeBacks! Consumers can request for a refund right on the App for disputed transactions. This is then entered into our Dispute & Resolution System for immediate investigation.

PayWithCapture is PCIDSS compliant so merchants are protected from Card Chargebacks.

accessbank · August 20, 2015, 5:02pm

Its already available on PayWithCapture…

in-app merchant list with geo-notifications via our BeaconPay