Resource Center

Why are your commissions/transaction fees high?

Though DPO’s fees may seem slightly high merchants working with DPO actually make more. Our streamlined payment system increases revenue while our fraud prevention & risk management procedures reduce chargebacks.We offer a premium service which include world class customer care (both to you and your merchants) and fraud prevention, all for free

Is there a setup fee?

Yes, it’s a one time setup fee which allows you to enjoy the service for a lifetime

How do I receive my funds from DPO account?

We settle your funds to any bank in the world. We can also settle your funds to a prepaid mastercard.

When will my account be created?

Once you have registered and submitted all the relevant documents, your account will be live within 24hrs.

How does DPO secure the online payment transaction?

DPO isWe’re PCI-DSS level 1 certified, which means we have the highest security standard in the world. Our fraud prevention system is made of two layers: Cutting edge technology powered by AI and adaptive statistical data, and a manual revuew of the transactions by our fraud prevention team.

How is Direct Pay Online Different from a bank?

DPO is a Payment Service Provider (PSP) which means we facilitate the payment process. With a single connection (DPO) your business can accept cards, mobile money, bank transfers etc.

How do I become a merchant?

Simply register your business in our website or contact us and we’ll take you through the onboarding process.

What is Rolling Reserve and does it earn interests?

Rolling reserve is the amount held bank by the bank for security purposes for card payments. It’s usually released after 180 days once the transaction has been cleared and no chargeback reported.

What do you do with our money before settlement date and does it earn interest?

Your money is kept in your DPO online account as we verify all transactions were legitimate in order to protect your business.

Do you market our products and services once we sign up?

DPO is a payment service provider, we only focus on payments.

What e-commerce platforms is our gateway connected to for the checkout process?

We have Woocommerce, Magento, Prestashop, Shopify, Wix, Gravity Forms, WHMCS, and Ecwid. Contacts us at to get you started.

How do I find out the amount due on the next settlement?

Quickly open the accounting module and you’ll see it at the bottom left.

How to view an xPay Allocation?

Open the xpay out module, you’ll see all the xpay entries.

How many chargebacks do you allow per merchant?

No threshold but we aim to have zero chargebacks

Who faces the risk in a case of charge-back?

Chargebacks take place when a consumer proved he didn’t authorize the transaction. In such a case the merchant returns the sum that was paid. The merchant DPO helps the merchant through the chargeback process to drastically reduce the chance of loss.

  • If a merchant loses a chargeback against their consumer, they lose money. In such cases, DPO helps the merchant through the chargeback process to ensure no loss.

How to reset password?

Click on forgot password on the login page and enter your email address.

Why is the customer asking for a refund from DPO and not me during chargeback yet i offered them service?

We process the payment on your behalf so we’re the merchant on record.

How to launch an xPay to and Expedia?

Open the accounting module, click on add new xpay, select the amount and allocate to the respective account. ( or Expedia)

Why can’t I get my settlement at real-time after the customer paid?

Processing and verification.

  • DPO has to Online payments are high risk transaction and we need to screen and clear each transaction in order to protect your business from fraud attempts. The processing and verification procedure tak a little bit of time.sters.

My password keeps expiring each time I log out of my account, what is the problem?

Based on our security procedures, we require our merchants to update the passwords to their accounts.

How to pull a report that shows a breakdown of what was settled ?

Settlement & banks report

  • Login to your online account and open the report center. Scroll down to the settlement & banks report, input your preferred dates and pull your report.


Why can’t I receive 100% of my money in early settlement?

Processing and verification.

  • Online payments are high risk transaction and we need to screen and clear each transaction in order to protect your business from fraud attempts. The processing and verification procedure takes a little bit of time.

Do I need to send documents for the customers for every transaction I do?

We encourage you to put as much details as you can on the service description but we might need to call further

Is there a way your system can ask for documentation for specific transaction when i use your system instead of calling me every-time for the documents?

Currently, not at the moment but we’re working on this development

How pre- authorisation works?

Pre-authorizing a credit card puts a temporary hold on some of a customer’s funds. Click here to read our blog post about the pre-authorization process.

What system requirements do I need to use your service?

Our solution is cloud based and you will not need any special features to start using it.

Do you have any mobile apps that make your solution easily accessible?

Yes! We provide a mobile app called DumaPay which accepts all modes of payment and it is linked to your back office account with Direct Pay Online. It also accepts mobile payments and it is the only app that supports multiple transaction types.

Which language do you use with your API?

We primarily use the XML language and php as the secondary language.

Do you have any plugins or extensions that make the integration process easier & faster?

We have Woocommerce, Magento, Prestashop, Shopify, Wix, Gravity Forms, WHMCS and Ecwid. Contacts us at to get you started.

What options do you have for mobile apps integration to your payments solution?

Our easily customizable APIs can integrate to both web and mobile applications. Kindly contact our support team to access our API documentation.

How to verify a credit card?

  1. Check that the card is a real plastic card and not a copy
  2. Check for any alterations in the card
  3. Check that the card holder name matches with the name in the identification documents

PCI DSS Compliance: The 4 Most Important Things Merchants Need to Know

Complying with the PCI DSS can be daunting and challenging, but ultimately it is crucial for security of your customers and, thus, the success of your business. Click here for the 4 most important things you need to know about PCI DSS compliance.

My customer wants a refund… Where do I start?

To launch a refund, please contact our support team on In addition please note that it is very important to launch a refund to your customers as it is good from the customer care side and it will prevent chargebacks.

The 3 Most Common Types of Chargebacks and How You Can Prevent Them

Chargebacks are one of the top challenges of online payments, but in this digital era, with most consumers demanding a way to pay online, merchants must find a way to cater to their needs while protecting their businesses. Click here to read an informative blog post on how to quickly prevent chargebacks.

What Payments options do you accept?

We accept all card payments, Visa, MasterCard, Amex, Paypal. Cross Border mobile money Mpesa, Tigo Pesa, Airtel money, MTN  (MTN Zambia, Uganda & Rwanda)

In which countries is the payments solution accepted

Our solution is cloud based and can be used anywhere in the world.

Do you have a WordPress Plugin?

Yes absolutely, Our WordPress plugin can be connected to any commerce cart, we have a woocommerce connection.


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