CRDB Lipa Hapa
Overview
CRDB Lipa Hapa, a service that provides a merchant / business regardless of the size or nature, with multiple means of Reliable & Secure Payment Acceptance Solution from its customers with card or mobile.
The service is used at Refreshments & Creation areas, Hospitals, Pharmacies, Super Markets & Groceries, Hotels, Shops, etc.
It accepts card issued by any bank with Visa, Union Pay-UPI, American Express, MasterCard, Maestro or Cirrus Card (Plastic or Virtual), Mobile Money (Tigo-Pesa, MPESA, Airtel Money etc.) users or wallets users.
POINT OF SALE (POS) SOLUTION
A point-of-sale terminal (POS terminal) is an electronic device used to accept card payments by swiping, tapping or dipping the card (Plastic or Virtual) on the terminal. The Bank has a smart POS terminal with high transactions processing speed in the market.
Multi-payment Options: Supports debit/Prepaid/credit cards and contactless payments (NFC) payments.
Card Scheme Accepted: VISA, AMEX, UPI, MASTERCARD, MAESTRO, CIRRUS cards.
Real-time Transaction Processing: Instant authorization and reporting for seamless sales tracking.
Receipt Printing: Automatically prints/reprint receipts or offers digital receipts via SMS.
Portable Models & Smart POS: Wireless POS options for flexibility in your store layout and mobility (if required).
Currency Supported: USD and TZS
ECR: Electronic Cash Register integrated solution
DCC: Dynamic Currency Conversion solution
Enhanced In-store Experience: Accept card payments (debit/prepaid/credit) securely and efficiently at your physical store, improving customer convenience and satisfaction.
Faster Transactions: Minimize wait times with swift card processing and ensure smooth customer experiences.
Secure Payments: Our POS terminals are EMV-compliant, which means they use the latest encryption standards to protect both merchants and customers from fraud.
Increased Sales: By offering card payments, you open your business to a wider range of customers who prefer using cards over cash.
- Settlements: The payments are settled into the Merchant account in real time or according to merchants’ requirements.
Legitimate Business: Established legitimate businesses trading goods or services.
KYC: A permanent business physical address, Valid business license, TIN certificate and Signed Terms and Conditions.
- Merchant Account: Merchants must have a bank account within the country
ONLINE PAYMENT GATEWAY (ECOMMERCE)
Businesses accepting payments online (Card Not Present) can be provided with a Payment Gateway, an e-commerce solution that will enable them to accept credit/debit/prepaid cards securely via their website or mobile app.
Card Acceptance: Accepts VISA, AMERICAN EXPRESS, Union Pay (UPI) and MasterCard
Customizable Checkout: Flexible checkout options to match your branding.
Recurring Billing: Supports subscription-based payments for businesses that offer services/products on a recurring basis.
Fraud Prevention Tools: Advanced security features like 3D Secure, CVV validation, and real-time fraud monitoring to minimize chargebacks and fraudulent transactions.
Mobile-Friendly: Optimized for mobile devices, ensuring a smooth payment experience for customers using smartphones.
Pay by Link & Invoicing: Capability of sharing a link or QR Code to your customers where the payment can be completed with linked amount
Reports & Reconciliation: Ability for a merchant to perform real time reconciliations and monitoring through Merchant Portal, additionally Internet banking facility can be provided for statement viewing
- Integration: Provision of Standard API that can be integrated easily with any software/application
Global Reach: Allow customers to pay from anywhere in the world via your e-commerce site, broadening your customer base.
Seamless Integration: Our gateway integrates easily with all major shopping cart platforms and websites.
Security & Compliance: PCI DSS-compliant, ensuring that all online payments are processed securely.
- Multiple Payment Options: Accept credit, debit and prepaid cards, making your business more accessible to a wider audience.
E-commerce Platform: A website or mobile app with e-commerce functionality.
Secure Hosting: A secure, SSL-encrypted site to ensure customer data protection.
Bank Account: A business bank account bank within Tanzania, linked to your online payment gateway.
Integration Support: A developer or technical team to integrate the payment gateway with your website (optional for third-party platform users).
- Legitimate Business: The company should be running a legal registered business.
QR CODE & LIPA NAMBA
CRDB TANQR (Tanzania QR), enables merchants to accept payments from customers electronically by scanning the QR Code from their mobile devices or through the USSD menu using the Lipa Namba.
Instant Payments: Payments are processed in real time and directly transferred to your account.
Customizable QR Codes: Generate unique codes for specific transactions, products, or locations for easier tracking and promotion.
- No Hardware Needed: Accept payments using just your mobile device or tablet by generating a QR code.
Convenience: Customers can pay quickly by scanning a QR code with their mobile banking app, reducing friction at the point of sale, or use the Allias (Lipa Namba) for payment.
Cashless Transactions: Promote cashless experience at the business, reducing the need for cash handling and the risk of theft.
Cost-effective: No need for additional hardware or expensive infrastructure; a simple QR code can facilitate payments directly to your business account.
Easy to Implement: Just generate the QR code and display it for customers to scan or dial the USSD for Lipa Namba through your SimBanking App.
- Self Service: Access to view the transactions and QR Code via SimBanking app
Legitimate Business: Established legitimate businesses trading goods or services.
Mobile Device: A smartphone or tablet capable of displaying a QR code for payment.
Bank Account: A CRDB bank account linked to the QR payment system.
HOSPITAL BUSINESS
The solution enables hospitals that wishes to receive payments electronically using a directly connected banking system to their Hospital Management System.
Instant Payments: Payments are processed in real time and directly transferred to your account.
Convenience: Customers can pay direct to your bank account
- Cashless Transactions: Promote cashless experience at the business, reducing the need for cash handling and the risk of theft.
Provide Health Service: Must be a health service provider (Hospital, Pharmacy, Dispensary etc.)
CRDB Bank Account: The hospital must have a bank account with CRDB Bank
Minimum Total Value per Month: Must have a total of TZS10+ Million, a monthly cash collection
- Cashier Room: Must have a provision of dedicated room for payment operation
HOW TO JOIN/ONBOARD:
Complete the merchant onboarding form and provide necessary business documents via our or use your SimBanking App.
CRDB MERCHANT APPLICATION | CRDB ONLINE
For QR Merchants Customers they can use their SimBanking App to request for service
Open SimBanking App>Services>Merchant Services>Generate QR
CRDB Lipa Hapa, a service that provides a merchant / business regardless of the size or nature, with multiple means of Reliable & Secure Payment Acceptance Solution from its customers with card or mobile.
The service is used at Refreshments & Creation areas, Hospitals, Pharmacies, Super Markets & Groceries, Hotels, Shops, etc.
It accepts card issued by any bank with Visa, Union Pay-UPI, American Express, MasterCard, Maestro or Cirrus Card (Plastic or Virtual), Mobile Money (Tigo-Pesa, MPESA, Airtel Money etc.) users or wallets users.
A point-of-sale terminal (POS terminal) is an electronic device used to accept card payments by swiping, tapping or dipping the card (Plastic or Virtual) on the terminal. The Bank has a smart POS terminal with high transactions processing speed in the market.
Multi-payment Options: Supports debit/Prepaid/credit cards and contactless payments (NFC) payments.
Card Scheme Accepted: VISA, AMEX, UPI, MASTERCARD, MAESTRO, CIRRUS cards.
Real-time Transaction Processing: Instant authorization and reporting for seamless sales tracking.
Receipt Printing: Automatically prints/reprint receipts or offers digital receipts via SMS.
Portable Models & Smart POS: Wireless POS options for flexibility in your store layout and mobility (if required).
Currency Supported: USD and TZS
ECR: Electronic Cash Register integrated solution
DCC: Dynamic Currency Conversion solution
Enhanced In-store Experience: Accept card payments (debit/prepaid/credit) securely and efficiently at your physical store, improving customer convenience and satisfaction.
Faster Transactions: Minimize wait times with swift card processing and ensure smooth customer experiences.
Secure Payments: Our POS terminals are EMV-compliant, which means they use the latest encryption standards to protect both merchants and customers from fraud.
Increased Sales: By offering card payments, you open your business to a wider range of customers who prefer using cards over cash.
- Settlements: The payments are settled into the Merchant account in real time or according to merchants’ requirements.
Legitimate Business: Established legitimate businesses trading goods or services.
KYC: A permanent business physical address, Valid business license, TIN certificate and Signed Terms and Conditions.
- Merchant Account: Merchants must have a bank account within the country
Businesses accepting payments online (Card Not Present) can be provided with a Payment Gateway, an e-commerce solution that will enable them to accept credit/debit/prepaid cards securely via their website or mobile app.
Card Acceptance: Accepts VISA, AMERICAN EXPRESS, Union Pay (UPI) and MasterCard
Customizable Checkout: Flexible checkout options to match your branding.
Recurring Billing: Supports subscription-based payments for businesses that offer services/products on a recurring basis.
Fraud Prevention Tools: Advanced security features like 3D Secure, CVV validation, and real-time fraud monitoring to minimize chargebacks and fraudulent transactions.
Mobile-Friendly: Optimized for mobile devices, ensuring a smooth payment experience for customers using smartphones.
Pay by Link & Invoicing: Capability of sharing a link or QR Code to your customers where the payment can be completed with linked amount
Reports & Reconciliation: Ability for a merchant to perform real time reconciliations and monitoring through Merchant Portal, additionally Internet banking facility can be provided for statement viewing
- Integration: Provision of Standard API that can be integrated easily with any software/application
Global Reach: Allow customers to pay from anywhere in the world via your e-commerce site, broadening your customer base.
Seamless Integration: Our gateway integrates easily with all major shopping cart platforms and websites.
Security & Compliance: PCI DSS-compliant, ensuring that all online payments are processed securely.
- Multiple Payment Options: Accept credit, debit and prepaid cards, making your business more accessible to a wider audience.
E-commerce Platform: A website or mobile app with e-commerce functionality.
Secure Hosting: A secure, SSL-encrypted site to ensure customer data protection.
Bank Account: A business bank account bank within Tanzania, linked to your online payment gateway.
Integration Support: A developer or technical team to integrate the payment gateway with your website (optional for third-party platform users).
- Legitimate Business: The company should be running a legal registered business.
CRDB TANQR (Tanzania QR), enables merchants to accept payments from customers electronically by scanning the QR Code from their mobile devices or through the USSD menu using the Lipa Namba.
Instant Payments: Payments are processed in real time and directly transferred to your account.
Customizable QR Codes: Generate unique codes for specific transactions, products, or locations for easier tracking and promotion.
- No Hardware Needed: Accept payments using just your mobile device or tablet by generating a QR code.
Convenience: Customers can pay quickly by scanning a QR code with their mobile banking app, reducing friction at the point of sale, or use the Allias (Lipa Namba) for payment.
Cashless Transactions: Promote cashless experience at the business, reducing the need for cash handling and the risk of theft.
Cost-effective: No need for additional hardware or expensive infrastructure; a simple QR code can facilitate payments directly to your business account.
Easy to Implement: Just generate the QR code and display it for customers to scan or dial the USSD for Lipa Namba through your SimBanking App.
- Self Service: Access to view the transactions and QR Code via SimBanking app
Legitimate Business: Established legitimate businesses trading goods or services.
Mobile Device: A smartphone or tablet capable of displaying a QR code for payment.
Bank Account: A CRDB bank account linked to the QR payment system.
The solution enables hospitals that wishes to receive payments electronically using a directly connected banking system to their Hospital Management System.
Instant Payments: Payments are processed in real time and directly transferred to your account.
Convenience: Customers can pay direct to your bank account
- Cashless Transactions: Promote cashless experience at the business, reducing the need for cash handling and the risk of theft.
Provide Health Service: Must be a health service provider (Hospital, Pharmacy, Dispensary etc.)
CRDB Bank Account: The hospital must have a bank account with CRDB Bank
Minimum Total Value per Month: Must have a total of TZS10+ Million, a monthly cash collection
- Cashier Room: Must have a provision of dedicated room for payment operation
Complete the merchant onboarding form and provide necessary business documents via our or use your SimBanking App.
CRDB MERCHANT APPLICATION | CRDB ONLINE
For QR Merchants Customers they can use their SimBanking App to request for service
Open SimBanking App>Services>Merchant Services>Generate QR
- POS (Point of Sale)
Accept card payments by tapping customer card or a mobile phone; or dipping / swiping card on the POS
- QR Code /Lipa Namba
Accept digital payment through Quick Response code (QR) or Lipa Namba from mobile phone (Banks and Mobile Money)
- Online Payment Gateway
Accept online payments on your website or App securely from customers with Visa, Union Pay-UPI, American Express or MasterCard. The gateway is powered by CyberSource.
- Payments are credited into your bank account
- Convenient and flexible way of accepting payment
- No more queues, no more counting of bills or giving change to customers
- Less cash handling hence less risk from viral infection, theft and counterfeits
- Accepts Visa, Union Pay-UPI, MasterCard, AMEX, Maestro and Cirrus.
- Accepts payment from all banks and mobile network operators
- Free trainings and dedicated relationship manager
- Free on email tips about business
Closing Message
We’re ready to support and grow your business as the reliable and secure payment service provider, by making your business accept both card and mobile phone users
Queries: merchant_queries@crdbbank.co.tz
FAQs
A merchant service that enables a business to accept payment from customers using card (VISA, UPI, AMEX, MasterCard, CIRRUS and MAESTRO) or mobile phone through POS, Online Payment Gateway or QR Code/Lipa Namba
Depending on the nature of the business, can be given POS (Point Of Sale), Online Payment Gateway, QR Code au Lipa Namba.
It is a device called Point Of Sale (POS) that accepts card payments by tapping customer card or mobile phone NFC enabled; or dipping card for payment.
A Quick Response code (QR) that accepts digital payment through scanning from mobile phone.
A unique number (Lipa Namba) given to business that accepts digital payment Code (Lipa Namba) that can be paid from mobile phone App or USSD menu.
An enabler for any website/app that accepts online payments securely from cardholders.
An established businesses or store, a bank account, a permanent/physical address of business and valid business license
An online presence of the business (Website or Mobile App), An established businesses or store, a bank account, a permanent/physical address of business and valid business license
Any legitimate established businesses or store, a CRDB bank account, a permanent/physical address of business and valid business license
Yes, all type of cards, Visa, UPI and MasterCard can be accepted when using our POS and Payment Gateway
Yes, Lipa Namba provide that capability of accepting payment from Mobile Network Operators and other banks too
As a customer to retry the transaction, since the last transaction shall be reversed to customer account within a minute.
Visit your nearest brunch or can request for the solution via the link https://online.crdbbank.co.tz/apply/merchant/form
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