InstaPay Gini FAQ

• 1. What is InstaPay Gini?

  InstaPay Gini is an investment administration interface that lets you manage your contributions, disbursements, and payments conveniently. While it is sometimes described as a “wallet” for ease of communication, your funds are held by licensed custodians or nominee institutions, not by InstaPay or Omnea.

• 2. How do I contribute funds to my Gini account?

  You can contribute via bank transfer, card, or other supported payment methods. These contributions are routed directly into a custodial account in your name. InstaPay/Omnea does not hold or custodise your funds.

• 3. How can I withdraw or disburse funds?

  Withdrawal or disbursement instructions (e.g., to a bank account, cash voucher, or bill payment) are processed by the custodian or fund administrator according to their rules. InstaPay does not hold funds or process withdrawals directly.

• 4. How do transfers work?
  • Disburse to Bank: Moves funds from your custodial account to your nominated bank account.
  • Pay to Card / POS / Tap: Payments are facilitated through integrations with licensed card issuers or acquirers. InstaPay does not issue cards.

  All transfers are instructions to third-party institutions, not internal transfers within InstaPay.

• 5. Can I register multiple business accounts?

  Yes. You can manage multiple profiles or interfaces within InstaPay. The underlying accounts, however, remain with licensed custodians or banking institutions.

• 6. Are transactions real-time?

  While the interface may reflect updates immediately, all contributions, disbursements, and fund movements are subject to the custodian’s rules and settlement times. Real-time display does not mean InstaPay holds the funds or can guarantee immediate availability.

• 7. Security of my funds?

  Your funds are held safely with regulated, independent custodians or nominee institutions. InstaPay/Omnea simply provides the interface—you retain ownership of your funds at all times.

• 8. What is InstaPay and how can it benefit my business?

  InstaPay is a comprehensive Merchant Solutions platform designed to empower businesses with cutting-edge features for seamless transactions and efficient business management. It offers a range of tools, including in-app marketing, internal controls, transaction analytics, and value-added services to streamline operations, boost profitability, and enhance customer engagement.

• 9. What features do I get access to when I register with InstaPay?

  When you register with InstaPay, you gain immediate access to a variety of features, including in-app marketing tools, sophisticated internal controls, transaction analytics, and the ability to diversify revenue through value-added services like airtime, electricity, and DSTV sales.

• 10. How can InstaPay simplify my business transactions?

  InstaPay offers flexibility through both a web portal and a mobile app, allowing you to manage payments, handle payroll, pay salaries, and even manage waiter tips for restaurants. It supports various secure money transfer methods such as EFT, Wallet to Wallet, Wallet to Card, QR Code, Tap on Glass (NFC), and Cash-in and Out at 3rd Party Retailer/Agent.

• 11. What are the different InstaPay solutions for businesses, and how do they differ?

  InstaPay offers tailored solutions for businesses of all sizes: Business Manager, POS Core, POS Plus, and POS Pro. Each option provides varying levels of access to the web portal, app, and advanced POS devices, allowing businesses to choose the solution that best fits their needs.

• 12. How secure is InstaPay's online payment processing?

  InstaPay's Payment Gateway ensures secure, fast, and reliable online payment processing. It offers three flexible options: Plugin for WooCommerce, Point of Sale (PoS) System Integration for in-store and online operations, and API-based Payment Requests with dynamic endpoints, batch processing and more.

• 13. Why should I choose InstaPay Merchant Solutions for my business?

  Choosing InstaPay comes with several benefits, including access to the lowest transaction fees in SA, integrated features in a single application, a consolidated POS device, reliable compliance with robust KYC and AML features, efficiency with user-friendly tools, enhanced customer engagement, secure and encrypted payment processing, insightful analytics, and versatile solutions tailored to your business needs.

• 14. How do I get started with InstaPay Merchant Solutions?

  To unlock a world of seamless transactions and powerful business management tools, simply onboard for free today. Sign up now to begin your journey with InstaPay, and join our community of satisfied merchants.

• 15. How can I get more information or assistance from InstaPay?

  If you have any questions or need more information about how InstaPay can transform your business, our team of experts is ready to assist you. Contact us with your inquiries, and we'll provide you with all the details you need to make informed decisions.

Account Access and Management:

• Q: How can I log into my InstaPay account?

  A: Log in using the unique internet portal address provided in the email from do-not-reply@instapay.co.za.

• Q: Can I register multiple business accounts under one InstaPay portal?

  A: Yes, individuals can register multiple business accounts accessible from a single portal.

• Q: How do I update my profile information?

  A:Click on "Logged in as," then select "Own Profile" to update display name, email, and mobile number.

Transaction History:

• Q: How can I view my transaction history?

  A:Navigate to the "Transaction History" section to access detailed transaction information and statements.

• Q: Can I customize the transaction list view?

  A: Yes, customize the transaction list view by choosing fields for display and using date-based viewing and filtering options.

• Q: How can I export transaction data?

  A: Export transaction data as Excel, CSV, or PDF files.

Making Payments:

• Q: How do I make a single payment?

  A: Go to "Make Payments" and select "Single Payment" to complete the payment process.

• Q: Can I make bulk payments?

  A: Yes, choose "Upload a Bulk File" under "Make Payments" for simplified salary or supplier payments.

Requesting Payments:

• Q: How do I request a payment from a customer?

  A: Use the "Request Payment" section and select "Single Payment Request" to send payment requests via QR code, email, or SMS.

• Q: Is there an option for bulk payment requests?

  A: Yes, navigate to "Upload a Bulk File" under "Request Payment" for handling payment requests from multiple customers.

Transfers and Counterparties:

• Q: How can I transfer money from my bank account to InstaPay?

  A: Use the "Transfer" section and select "Transfer from Bank Account" to transfer funds.

• Q: How do I connect counterparties such as beneficiaries or invite others?

  A: Visit the "Connect Counterparties" section and follow instructions under "Beneficiary Accounts" and "Invitations."

System Administration:

• Q: How can I update my business profile information?

  A: Access "System Administration" and go to "Membership" -> "Business Profile" to update business details.

• Q:How do I add or manage bank accounts?

  In "System Administration," under "Membership" -> "Bank Accounts," add, edit, or delete external bank accounts.

Authorizations:

• Q: How are authorizations managed in InstaPay?

  A: Authorizations are set in the "Authorisations" section, with users having single or dual authorizations based on transaction amounts.

• Q: What are the different authorization levels?

  A: Refer to the "Authorisation Levels" section under "Authorisations" for detailed information on various authorization levels.

Additional Information and Support:

• Q: How can I contact support for account queries or requests?

  A: Email support@instapay.co.za for InstaPay Money Manager account queries or requests.

• Q: What if I need additional training or information on card machines?

  A: Contact your Account Manager during business hours (Mon-Fri 08h00-17h00) for additional training, fee structures, and information on card machines.

Making & Receiving Payments

• Q:How do I make a payment using InstaPay Gini?

  A: Tap “Pay” in your Catalogue, then choose how you'd like to pay:

  • Scan to Pay: Scan a merchant’s QR code.
  • Pay a Beneficiary: Send to a bank account, another Gini user, or via an ATM cash voucher.

• Q: Can I send money to someone who doesn’t have the app?

  A: Yes! Just use the ATM Withdrawal Link. Enter their mobile number, amount, and they’ll get a voucher to withdraw cash at an ATM. You can even transfer funds into their bank account by clicking “Pay Beneficiary”

• Q: How do I receive money into my InstaPay Wallet?

  A: Anyone can scan your personal QR code using a Masterpass-enabled app (like major bank apps) to send money directly to your Instapay Account.

Viewing Transactions & Tracking Spending

• Q: Where can I view my transaction history?

  A: Tap “History” on the bottom menu to view and filter all your transactions by date or category.

• Q: Does InstaPay Gini help me track my spending?

  A: Absolutely! Tap “Analytics” in the bottom menu to view trends by day, week, or month.

Cashback & Offers

• Q: How do I earn cashback with InstaPay Gini?

  A: Visit the Cashback Partners section, tap a store logo to get your personal QR code, and show it to the cashier when you pay. Cashback is added instantly!

• Q: Which stores offer cashback?

  A: We’ve partnered with over 30 popular South African brands. Check the Cashback Partners section in your app for the full list.

• Q: How do I find special offers near me?

  A: Scroll down your home screen to explore nearby merchants and offers. Or tap “View All” under Offers for a complete list.

Customising Your App

• Q: Can I personalise my home screen?

  A: Yes! Tap Menu → Customise Catalogue, and choose the features you use most. They’ll appear in your Quick Access bar.

• Q: Can I change how the app looks?

  A: We’ve partnered with over 30 popular South African brands. Check the Cashback Partners section in your app for the full list.

• Q: Where can I manage my settings?

  A: Tap Menu → Settings to change your PIN, update sign-in options, and manage notifications.

Adding & Withdrawing Funds

• Q: How do I add money to my InstaPay Account?

  A: Go to Wallet → Money In. You can add funds:

  • From a bank account
  • Using a card
  • From participating retail stores
  • From an InstaPay Merchant (by scanning a QR code)

• Q: Can I add cash to my Account at a store?

  A: Yes! Tap “From Store”, show the barcode to the cashier, and pay with cash or card. Visit our website for a list of partner stores.

• Q: How can I withdraw money?

  A: Go to Wallet → Money Out, and choose:

  • Transfer to a bank account
  • ATM withdrawal (send a voucher)
  • Withdraw cash at a participating store (see our website for locations)

Lifestyle Payments

• Q: Can I buy electricity using InstaPay Gini?

  A: Yes! Tap Lifestyle → Buy Electricity, enter your meter number and amount, and receive your token instantly.

• Q: Can I top up my phone or someone else’s?

  A: Absolutely. Go to Lifestyle → Mobile Top Up to buy airtime or data for any major South African network.

• Q: Can I pay my DSTV account with Gini?

  A: Yes. Just go to Lifestyle → Pay DSTV, enter your account details, and complete your payment.

• Q: What types of bills can I pay?

  A: You can pay bills to most major service providers right from the app. Tap Lifestyle →Bill Payments to get started.

Support & Help

• Q: Where do I go if I need help with the app?

  A: Tap Menu → Help & Support to access FAQs or start a live chat with our support team. You can also email support@instapay.co.za and we will call you back.

• Q: Can I change my PIN or sign-in method?

  A: Yes. Go to Menu → Settings to manage your PIN and other security settings.