Online Payment Methods

There are numerous deposit and withdrawal methods in the Aardvark online betting system. Ranging from the simplest to more complicated, the payment methods provide a way for customers to deposit and withdraw their money in whichever way is convenient.

First Atlantic Commerce payment integration is a credit/debit card payment gateway that supports the Caribbean Region, Central America as well as USA, Mauritius, and Canada.

FAC gateway only allows the ability to use it for deposits as the provided integration material does not allow us to perform withdrawal operations. Deposits work similarly as if the user is buying something online.

Current FAC implementation only supports deposits using the 3DSAuthorization. 3DSAuthorization operation is an operation where a user has to complete his transaction through his bank's website.

Transaction reversing is possible in 3 different workflows:

• Admin rejects a transaction
• User cancels a transaction
• Transaction state threads reverse a transaction that is older than 3 days and hasn't been captured

MonCash is a money management service that allows registered customers to carry out financial transactions from their mobile phones. MonCash account is linked to the customer's telephone number (SIM card) and is protected by a PIN code. MonCash payments are made using a mobile phone. The process of depositing money into the Aardvark platform is as follows:

1. Dial *202#
2. Select option 3 - Payment
3. Choose option 2 - Pay Bills
4. Enter the Biller Account: 720
5. Select 1- Enter the reference: (your mobile number)
6. Enter the Amount
7. Enter the PIN

The entire payment process is conveniently summed up in a MonCash promotional video.

Callpay is a payment service that aggregates many different payments ways into one. Currently, we use it for InstantEFT, credit card, OTT Voucher, Snapscan, Zapper, BluVoucher, and 1Voucher payments. Online users can only deposit money using CallPay methods.

InstantEFT is a method that connects multiple banks to make payments online. It works in the following way:

• The customer is presented with a variety of South African banks to choose from - Absa, Standart Bank, First National Bank, Nedbank, Capitec, Investec, TymeBank, African Bank, Bidvest Bank, and Old Mutual Bank.
• The customer selects their bank and logs in using their online banking credentials.
• Next, they choose from which account they will be making the payment.
• Customers then verify the payment with their bank on their mobile device.
• The payment is processed and instantly reflects in the customer's account.

As straightforward as it sounds - the customer just has to add his credit/debit card details and then make a regular online payment.

OTT Voucher is a payment token that allows you to pay, deposit, and top up with online service providers. Customers can purchase OTT vouchers from over 75 000 outlets across South Africa. The vouchers are then used as a means of transacting online.

• Choose OTT Voucher as the means of depositing money to the user account.
• Enter the OTT voucher number and your phone number.
• Done!

SnapScan is an app that lets customers pay with their phones quickly, easily, and safely. The SnapScan app uses the phone's camera to scan a SnapCode (a unique QR code) which allows quick online payments.

The process of paying with Snapscan only contains 3 steps:

• Select Snapscan as the way to deposit money into your account and enter the desired sum of money.
• Scan the SnapCode with your Snapscan app.
• Authenticate the payment with your phone (PIN code, fingerprint, or face unlock). Done!

Zapper is an alternative mobile payment system to SnapScan. The process of paying with Zapper works in the same way as SnapScan:

• Select Zapper as the way to deposit money into your account and enter the desired sum of money.
• Scan the QR code with your Zapper app.
• Authenticate the payment with your phone (PIN code, fingerprint, or face unlock). Done!

BluVoucher is the newest addition to the Callpay voucher integration family. Its flow of operation is very similar to the other vouchers, but there's just one twist - the user has to enter the voucher's amount before entering the voucher code. Everything is else is the same - enter the 16-digit voucher code and the money is deposited into the user account in seconds.

1ForYou is a digital payment solution for cash customers in South Africa that allows making payments online for South African citizens and foreign nationals living in South Africa who don’t have local bank accounts. The process of depositing money with 1ForYou vouchers is as simple as it gets:

• Choose 1ForYou Voucher as the means of depositing money to the user account
• Enter the 1ForYou PIN number.
• Done!

OZOW is a payment system that helps to make payments directly from the customer's cheque, savings, or credit account without the need for credit/debit cards. OZOW simplifies the customer’s EFT payment experience by providing a possibility to create an OZOW PIN that forgoes the necessity to log in with the bank credentials each time a user wants to pay online. After creating the OZOW PIN number, the transaction process is simple:

• Select OZOW as the payment method for depositing money.
• Log in using your custom OZOW PIN.
• Confirm your payment with the bank.
• Done!

As straightforward as it sounds - the customer just has to add his credit/debit card details and then make a regular online payment.

EFT Secure is a method that connects multiple banks to make payments online. It works in the following way:

• The customer is presented with a variety of South African banks to choose from - Absa, Standart Bank, First National Bank, Nedbank, Capitec, Investec, TymeBank, African Bank, Bidvest Bank, and Old Mutual Bank.
• The customer selects their bank and logs in using their online banking credentials.
• Next, they choose from which account they will be making the payment.
• Customers then verify the payment with their bank on their mobile device.
• The payment is processed and instantly reflects in the customer's account.

Mastercard® QR is a mobile payment solution that enables consumers to make fast, secure payments to merchants for goods and services by scanning QR codes. Customers have to download their banks' respective Masterpass apps to use this feature. The process is fairly simple afterward:

• Choose Masterpass as the payment method to deposit money.
• Enter the amount you want to deposit and then scan the QR code with the Masterpass app.
• Authorize the payment with the custom PIN. Done!

M-Lipa is a payments platform through which clients can process payments either via mobile money, credit/debit cards, and mobile banking. M-Lipa has combined major local mobile money payments methods, VISA, MasterCard, and American Express that enable customers and businesses to transfer and receive funds under one eWallet.

M-Pesa Tanzania is a service offered by Vodacom Tanzania that allows the transfer of electronic mobile money from person to person and business via a mobile phone. It’s available to any Vodacom Tanzania customer, registered with M-Pesa and above 18 years of age. With an M-Pesa account, users can transfer cash and shop for products and services.

Tigo Pesa allows users to send and receive money between financial service providers in Tanzania. Tigo Pesa connects MPesa, Airtel Money, TPesa, Halopesa, and EzyPesa into one service that helps users perform mobile money transactions. The process of depositing money with Tigo is as follows:

1. Dial *150*01#
2. Select option 5 - Pay Merchant
3. Select either option 1 - Pay Tigo Pesa Merchant, or option 2 - Pay Mastercard® QR Merchant
4. Enter the amount
5. Confirm the payment with PIN

Airtel money is a mobile Commerce service (money transfer via the phone) that allows Airtel network users to send and receive money across networks, perform bank transactions, and make online payments using their mobile phones. The process of depositing money with Airtel Money is as follows:

1. Dial *150*60#
2. Select option 5 - Make Payments
3. Select Merchant
4. Enter the amount
5. Confirm the payment with PIN

MONIcliq is a payment processing platform that integrates with Mobile Network Operator (MNOs) on one hand, businesses on the other hand, and then Mobile Money subscribers, to allow for real-time payment of goods/services using the mobile phone. The process of depositing money into the Ghana partner platform is as follows:

1. Dial *714*783#
2. Select option 1 - Buy Voucher
3. Select option 1 - SUPABETS
4. Enter the number of vouchers you want to buy
5. Select whether you want to receive results via SMS
6. Enter your phone number
7. Confirm your phone number
8. Proceed to buy the voucher by selection option 1 - Yes
9. Enter PIN to authorize the payment

Interswitch offers the largest system integration in e-payment services in Nigeria. It offers seamless and convenient payments through a credit/debit card or a Verve eWallet. Verve eWallet is a card managing system where all card types (Verve, Mastercard, Visa) and Verve eCash can be viewed and managed at the same time. The process of depositing money with Interswitch is straightforward:

• Choose Interswitch as the means of depositing money to the user account.
• Either enter your credit/debit card details or log in to your Verve e-wallet.
• Click Pay. Done!

Africell is Gambian only payment provider that uses phone number to transfer/receive money. To use this method:

• Choose Africell gateway to deposit or withdraw money from the account.
• Enter the amount of the transaction and enter the pin number of your africell system.
  • If the amount does not go over the admin approval limits, transaction should be started
  • If the amount does go over the admin approval limit, admin needs to approve the transaction. After that transaction is started.
• In case of withdrawal user should receive an answer instantly thus completing the transaction.
• In case of deposit user will need to finish up the transaction in his africell system by approving the transaction there. After his approval we will receive a callback and transaction will be done.
• Thats it!