Yes you do! iKhokha has a responsibility to FICA you according to the The Financial Intelligence Centre Act (38 of 2001).

We need to verify your identity and bank account, therefore we require you to upload different documents depending on whether you are applying as an individual or on behalf of a business, for more detailed FICA info please click here

What is a valid Proof of Identification document?

• Green Barcoded SA ID Book
• Valid SA Driving License
• Valid SA Passport
• If you’re not a South African citizen then you will have to provide the following:
  • Passport
  • Valid work permit

What is a valid Proof of Address document?
Any document that is posted to you via post that contains your:

• The POA document must be in your full names
• Not older than 3 months
• Certain documents are not accepted:
  • Invoices
  • Tax returns
  • E-filing document
  • Payslips
  • Any letter that is not from a property management company

What is a valid Proof of Business Address document?
Any document that is posted to you via post that contains your:

• Company Name
• Full Address of Company
• Not older than 3 months
• Documents that are not accepted – invoices, tax returns, e-filing document, payslips and any letter that is not from a property management company.

If you don't have a valid proof of address, you can make use of our site visit form provided at the time of delivery of your iKhokha Original. Please take note that our site visit form cannot be used if:

• A 3rd party takes delivery of your iKhokha device
• Your iKhokha device is delivered at an address different from your current business address

What is a valid Cipro document?

• Document issued to you by the Cipro Offices – Generally a CK 1 or CK 2 document.

What is a valid Resolution?
This should be supplied when a company has more than one member and should contain the following:

• Names and Surnames of ALL members
• Signatures of ALL members
• Company Name
• Company Registration Number
• Name, Surname and ID of person applying on behalf of company

Click here for a Resolution template

Download - iKhokha Terms and Conditons
Download - Merged iKhokha & RC agreement

iKhokha has partnered with Retail Capital in order to offer a hire purchase option to all iKhokha merchants.

Therefore as an iKhokha merchant that has selected the hire purchase option;

• You will be committing to hire-purchase a iKhokha card machine owned by Retail Capital for 24 weeks.
• You will be required to pay an upfront deposit, after which Retail Capital will directly debit you on a weekly basis for the agreed hire purchase fee (the remaining amount) on the day that was selected by the merchant in the application process.
• Retail Capital will directly debit you on a weekly basis for the agreed hire purchase fee on the day that was selected by the merchant in the application process.
• At the conclusion of the 24 week repayment period, merchant will own the iKhokha card machine.
• Should you receive your iKhokha card machine after the agreed upon debit day. Billing will run on the selected day in the week immediately thereafter.
• The Retail Capital master rental agreement is legally binding and as the merchant you will be obligated to honour the relevant weekly payment for a minimum of 24 weeks.

As the iKhokha merchant, you will own the iKhokha card machine at the end of the hire purchase agreement.

Yes it is possible. Please email us a brief company history, info about your app and current market reach as well as a signed and completed copy of the following Bilateral NDA, email ramsay@ikhokha.com and CC sassoon@emergemobile.co.za

The more you process through iKhokha the bigger the amount you qualify for.

The Cash Advance offered to your business is calculated on your card transaction history and will be closely linked to your average monthly card turnover to date.

We calculate a Cash Advance amount based on your average iKhokha card turnover within a month:

• You need to have been trading over the latest 3 months
• You need to trade at least 3 times a month
• You must have a minimum of 10 iKhokha transactions a month
• You must have traded in the last 15 days
• Your turnover must be higher than R2500 per month
• Your average turnover over the latest 3 months must be higher than R3125

**Please note that “latest 3 months” refer to a rolling period of 90 days

The minimum cash advance is R2 500 and the maximum cash advance that you are able to qualify for is R50 000

Check the transaction status on your receipting screen if you're not sure. Otherwise check out www.ikhokha.biz before handing over the goods!

Download - iKhokha Terms and Conditons
Download - iKhokha Acceptance Agreement

Yes you can!

As an iKhokha merchant we issue you with a unique discount code that you can share with your friends or clients if they are interested in signing up to iKhokha.

By using the discount code when signing up, your friend or client will receive R250 discount off the purchase price of iKhokha and we will give you a R500 reward? It is a win win scenario.

How do I refer someone?

• Option 1: Share your discount code after processing a successful transaction
  1. Process a successful payment on your app
  2. Before you send or skip the receipt, choose one of the share icons at the bottom of the screen (Facebook, Tweet, Mail, SMS or Whatsapp)
• Option 2: Share your discount code via My Business
  1. Tap on My Business in your iKhokha app
  2. Select Referrals
  3. Choose one of the share icons at the bottom of the screen (Facebook, Tweet, Mail, Text or Whatsapp)
• Option 3: Share your discount code manually
  1. Take down your unique discount code and share it in any way you want
• Option 4: Share your discount code via www.iKhokha.biz
  1. Login to iKhokha.biz
  2. Select the referrals tab
  3. Select “Refer more friends”
  4. Choose one of the share icons at the bottom of the screen (Facebook, Tweet, Mail, Text or Whatsapp)

Yes we do. Please email us a brief company history, info on current market reach as well as a signed and completed copy of the following Bilateral NDA, email ramsay@ikhokha.com and CC sassoon@emergemobile.co.za

Tap on the My Business section on your iKhokha app to see if you’re eligible and what amount you pre-qualify for, then follow the quick and easy steps to apply!

If you have a limited iKhokha trading history then you’re not currently eligible for business financing. iKhokha cash advance will become available to you as you build up a track record using iKhokha for all your card payments. Call our customer support team ( 087 222 7000) for more info.

Let’s say you accept an advance for R10 000 the breakdown might work as follows:

• iKhokha’s financing partner Retail Capital will deposit R10 000 into your bank account.
• Total future payment card receivables due for Cash Advance repayments: R12 000.
• Percentage of daily card sales that go towards your Cash Advance repayment: 10%
• This is in addition to your standard iKhokha card commission fees.

The best part? The amount you owe will not change (no additional fees), regardless of how long it takes you to pay it off!

There is a catch though. You need to use your iKhokha card machine to qualify!

In order to access amounts larger than R50 000, you will be required to work through a manual signup process. Please contact our support team for more information on 087 222 70002

There are a wide variety of Android and iOS phones compatible with our iKhokha Original. Please view our phone compatibility list or alternatively use our phone compatibility search tool to see if your phone is compatible.

1. Check the transaction status on the receipting screen in the iKhokha app at the end of the transaction process.
2. If you’re still not sure, tap on “My Business” from your home screen in the iKhokha app and then navigate to “History”
3. Alternatively, navigate to www.ikhokha.biz from your web browser and check your transaction history tab before handing over the goods!

Cash:
Record all your cash sales by simply tapping the cash icon in the app, follow the on screen prompts to conclude the cash sale. The app automatically calculates the amount of change for your customer. No more sums on serviettes!

Card:
Process a card sale by tapping on the Card icon, insert the iKhokha Original when prompted and continue to follow the on screen prompts to conclude a card sale.

For security reasons we only process Chip & PIN and Swipe & PIN transactions for all MasterCard, Visa, Maestro and Visa Debit cards.

Remember that your customer only has to touch lightly on the iKhokha Original to enter their PIN. Its a touch pad!

MasterPass:
Process a MasterPass sale by tapping on the QR code icon named “MasterPass” follow the on screen prompts to successfully ring up a sale. A QR code will be displayed on your screen. Present the QR code on your screen to your customer.

Your client is required to scan the QR code with their phone utilising their MasterPass app.

NB: Your customer will need to have a version of the MasterPass app, available for download on all SA app stores.

Masterpass is a QR code linked digital wallet product. Built by MasterCard it works in a similar way to Zapper or SnapScan, using a QR code to process a card linked payment. Most importantly it is classified as an Authenticated Mobile Transaction by SA banks, which is seen as a more secure option than similar solutions and carries no risk for you the merchant. Phew!!

The other big differentiator for MasterPass is that unlike competitive products it also works with debit cards not just credit cards. You the merchant control inputting the transaction amount, not your customer.

Q: Do customers have to have a MasterCard or do Visa Cards also work?
Yes Visa cards do also work and can be loaded into the customers MasterPass app.

Q: Are there exceptions?
Yes there are, card holders need to check with their card issuing bank if their card is enrolled for Masterpass, MasterCard 3D secure or Verified by Visa. If not then their card won't work, for example FNB debit cards are a known exception case. But there is a very long list of cards that will work perfectly.

Yes! you will need either Wifi or a cellular data connection to process payments. Each iKhokha transaction uses approximately 25KB - 50KB of data. If you're having trouble connecting to iKhokha, do the following:

1. Check you have airtime/data on your phone.
2. If you’re battling to connect on wifi- switch between wifi and cellular connectivity to test your connection or alternatively try open a web page from your browser.

If you need to reset your password, please navigate to classic.ikhokha.com and login using the same details that you use to login to the iKhokha app. Once successfully logged in, in the drop down click on the reset password link. An email with a reset password link will be sent to the email address you signed up with. Click the link to reset your password.

1. Make sure that you have charged the iKhokha card machine.
2. Launch the iKhokha app and sign in to your iKhokha merchant account using the email address and password that you used to sign up for iKhokha.
3. Select the transaction type “Card" from the home screen.
4. Plug it into the audio jack of your smartphone or tablet when prompted to do so.
5. You will notice the LED indicator on the iKhokha card machine will turn solid green. Green means go - you are ready to process your first card transaction!

If something goes wrong with the transaction, don't assume that the client's SMS from their bank is proof of transaction approval. Always refer to the above steps to validate transaction approval.

Customers download the Masterpass app from their relevant app store, it's available on Android, Windows & iOS. Currently ABSA bank, Capitec bank, Standard Bank and Nedbank have their own MasterPass apps.

NB: customers can load their card details into any of the SA bank's Masterpass apps, irrespective of whether they bank with them or not!

In order to pay via Masterpass, the user is required to link their card by entereing their card details into the secure encrypted app.

Each Masterpass transaction will need to be authenticated on the users phone. This authentication takes place by entering either ATM PIN or a One Time Password. This verification method is dependant on the customers banks preference.

Yes, if you have multiple users transacting on your account, you will need to setup multiple user accounts. This is easily achieved by navigating to classic.ikhokha.com, logging in and clicking on “account settings”.

Simply click on “add new user” enter the relevant details of your staff member and you’re all set.

NB: Each user will need a unique email address and a password. You will also be able to view sales by user on iKhokha.biz if you are the master user.

Keypad:
The iKhokha card machine makes use of a touch keypad - exactly like your smartphone. Tell your clients to gently enter their PIN and watch the green LED light flash for each number they touch.

Battery:
Your iKhokha card machine has it’s own battery. Charge up every night to ensure you have enough juice to get you through the folllowing day.

1. Please ensure that you hold down the power button for a period of 3 seconds to turn the power on.
2. Ensure that you have utilised the correct iKhokha Mover charge cable and that is has been correctly plugged in.

1. Please ensure that the iKhokha Mover is in range (within 5m) and that the device is turned on.
2. Navigate to settings in the iKhokha application and ensure that you have selected “Activate iKhokha Mover”
3. Once initially connected via the settings tab in the iKhokha application, your smartphone and iKhokha Mover will connect automatically.

1. Take note of error messages displayed by the iKhokha application and follow the on screen instructions
2. Ensure that customer card is not damaged
3. In the case of a chip & PIN transactions please ensure that the card has been inserted correctly.
4. In the case of a magnetic stripe transaction please ensure that the card has been swiped correctly with the magnetic stripe facing upwards, towards the magnetic stripe card reader.

1. Ensure that the customer is confident that their PIN was entered correctly.
2. Ensure that the correct number of asterisks corresponding with clients PIN are displayed on the iKhokha Mover LCD.
3. Contact iKhokha support for assistance.

1. Please ensure that you hold down the power button for a period of 3 seconds to turn the power on.
2. Ensure that you have utilised the correct iKhokha Shaker charge cable and that is has been correctly plugged in.

1. Please ensure that the iKhokha Shaker is in range (within 5m) and that the device is turned on
2. Navigate to your smartphone settings menu, connect and pair with your Shaker. Your Shaker is identified by the 15 digit serial number displayed on the back of the card machine
3. Navigate to settings in the iKhokha application and ensure that you have selected “Activate iKhokha Shaker”
4. Select and pair with your iKhokha Shaker
5. Once initially connected via the settings tab in the iKhokha application, your smartphone and iKhokha Shaker will connect automatically

1. Take note of error messages displayed by the iKhokha application and follow the on-screen instructions
2. Ensure that the customer card is not damaged
3. In the case of a Chip & PIN transaction please ensure that the card has been inserted correctly
4. In the case of a magnetic stripe transaction please ensure that the card has been swiped correctly with the magnetic stripe facing inwards, towards the magnetic stripe card reader

1. Ensure that the customer is confident that their PIN was entered correctly
2. Ensure that the correct number of asterisks corresponding with client’s PIN are displayed on the iKhokha Shaker LCD
3. Contact iKhokha support for assistance

1. Check that there is paper in the machine
2. Ensure that the paper roll is facing the correct way (pull from under and through the feed, not over the roll then through the feed)
3. Should the printer still fail to function as required. Please contact support

It’s all in the name, one simply taps their card on the iKhokha Mover card machine…and go. A simple tap of your card on the reader area of the card machine and you’re done, payment is complete.

As a merchant, you benefit from Tap & Go because it is quick and simple, allowing you to move quickly through payments when you have a line of paying customers. There is no need for a pin – making it fast and easy for you and your customers.

Tap & Go functionality uses an embedded computer chip and radio frequency antenna. After your customer taps their card on the iKhokha Mover, payment details are sent wirelessly to the Mastercard/Visa network. Moments after your customer taps, you will both receive payment confirmation and you’re done, just like that.

Simply tap the card on the card machine (iKhokha Mover) and that’s that.

They are the same thing!

Just look for the Tap & Go symbol (a WIFI symbol on its side) on the front or back of the card and you’re ready to go.

As a merchant, purchase the iKhokha Mover which comes with Tap & Go functionality. Your customer must then check if their card has the Tap & Go symbol on it.

You need to touch the reader on the iKhokha Mover with your card.

Most definitely! With secure encryption technology and Zero Liability protection (a guarantee that you won't be held responsible for any unauthorised transactions), a Tap & Go card is as safe as a regular card.

Tap & Go applies only to transactions under R500. If the payment is over R500, a pin is required. If the transaction is over R5000 you will have to insert the card.

The My products feature is a new tool that enables all merchants to easily capture frequently sold products at checkout by simply tapping the product icon.

1. Tap on My products in the My business section of the app.
2. Tap on the + symbol – “Add new product”
3. On the next screen, enter the item name, an optional SKU code and price.
4. Choose a display colour or add a product image from album or camera.
5. Tap on save to store product.

1. In the “add new product” section of the app. Tap on “Use Camera” or “From Album”
2. When tapping on Use Camera:
   • Simply focus the camera on the product that you are loading and hit capture.
   • Crop the image to fit in the allotted product display space by using pinching or zooming gestures.
3. When tapping on Use Album:
   • Select a product image from your camera roll.
   • Crop the image to fit in the allotted product display space by pinching or zooming.

1. Tap on My products in the My business section of the app.
2. Tap on the product that you wish you edit.
3. A popup will appear- "do you want to edit or delete this product?”
   • Select your desired action

1. Choose your transactional method from the home screen- eg: Cash, Masterpass or Card.
2. Tap on the 'product select' bar situated just below the transaction amount display.
3. Tap the desired sale product.
4. Tap the green arrow/next button on the top right of the screen to conclude checkout.

The My Staff feature is a new tool that enables all merchants to easily manage their staff members within their iKhokha app. Merchants are enabled to create and delete staff member access to transaction processing capability as needed.

Only the main merchant (applicant) is able to access or accept cash advance details & offers.

1. Tap on My Staff in the My business section of the iKhokha app.
2. Tap on the + symbol- "Add new staff"
3. On the following screen, enter staff members name, an e-mail address, selected password and phone number.
4. Choose to ad an invitation message.
5. Choose to add a staff profile image from album or camera.
6. Tap on save to store staff member.

1. In the "add new staff member" section of the app. Tap on "Use Camera" or "From Album"
2. When tapping on Use Camera:
   • Simply focus the camera on the staff member that you are loading and hit capture.
   • Crop the image to fit in the allotted product display space by using pinching or zooming gestures.
3. When tapping on Use Album:
   • Select a product image from your camera roll.
   • Crop the image to fit in the allotted product display space by using pinching or zooming gestures.

1. Tap on My Staff in the My business section of the app.
2. Tap on the staff member that you wish to edit.
3. A popup will appear- "do you want to edit or delete [staff name]?"
   • Select your desired action.

iKhokha has enabled all merchants to easily send payment requests to their clients that are not in front of them. An example of this would be a BnB in Durban that requires a 50% deposit from a client that is currently in JHB.

1. Sending a payment is easy. Simply navigate to the “My Business” Section within your iKhokha application and tap on "Send Payment request"
2. Once you have selected the item, you will be required to enter the payment amount that you are requesting from your client
3. You will then be required to enter client details and select the distribution method. EG: SMS or e-mail
5. Make sure merchant is happy with the amount
6. A screen will show that now allows you to capture clients details and then send the request
7. Your client will receive a link via sms or e-mail

1. Your client receives the payment request link via the SMS or email that you have sent to them
2. Client will be required to tap on the link to make payment
3. The link will automatically direct your customer to the Masterpass application
   • Client has Masterpass:
     • If your client already has the Masterpass app, they will be asked to "Open"
   • Client doesn't have Masterpass:
     • Should your client not have the Masterpass application they will be asked to download from their app store
     • They will then be required to load a credit/cheque card to make payment. Once complete they will be enabled to make payment
4. The requested payment amount will automatically be populated into the client’s Masterpass app upon completion of either download or opening
5. From there, client simply taps on on pay to make payment

1. Simply navigate to the transaction history screen within the "sales analytics" section of "My Business"
2. Client will be required to tap on the link to make payment
3. Green check mark = payment successful
4. Amber clock= pending payment
5. Red cross = failed transaction

iKhokha will send you the following reports:

1. Daily Transactional report
2. Daily settlement report
3. Monthly VAT Report

Check your business performance while on the move with www.ikhokha.biz

Simply navigate to www.ikhokha.biz for a graphical overview of your sales or export reports directly to your desktop.

Simply use your iKhokha app username and password to log in and you’re all set!

1. All merchant payments are settled as a lump sum for the day's transactions.
2. Merchant payments will reflect in your nominated bank account within 1 - 3 business days.
3. iKhokha settles merchants less iKhokha’s transaction commission fee of 2,75% (EX VAT).
4. iKhokha only settles merchants once accumulated sales total R10 or more.
5. iKhokha charges a settlement fee of R2.50 per batched settlement i.e. R2.50 per day for each business day traded.
6. iKhokha only settles on business days within the month.
7. iKhokha merchants will receive a daily detailed transaction report for all of your transactions for the day via email.
8. iKhokha merchants will receive a settlement report every time that iKhokha settles into the nominated bank account.
9. iKhokha merchants will receive a monthly transaction report (via e-mail) for all transactions concluded within the month.
10. iKhokha merchants will receive a monthly settlement report (via e-mail) for all settlements within the month.

Please see our settlement timeline examples below: