Have questions about VerPay?

We have tried to keep signing up as simple as possible.
  • Step 1: Navigate to www.verpay.net which will bring you to the VerPay login screen.
  • Step 2: You could signup using one of the Social logins from Google, Facebook or Apple OR you could create your own VerPay account using a traditional email address and password via the SignUp link.
If you create your own VerPay account using email and password, you will receive a Verification email containing your Verification Code, which you will need to enter on the Verification prompt, or by clicking the VerPay Verification Link contained in your Verification Email.
If you have not received a Verification email within minutes, please check your Spam folder in case it ended up there. Verification emails are not sent when signing up via the Social Logins.
  • Step 3: Your merchant will show as TBA and you can select the Enter button to continue setting up your merchant account. From this screen you can also add additional Merchant accounts as required.
  • Step 4: You will be required to complete your Merchant Profile, including business name, your name, email address and mobile number and if required update your standard Currency which will default to your location’s currency.
  • Step 5: You will be presented with the VerPay Merchant Agreement, which you need to accept if you wish to use the VerPay service, by pressing the Agree button once you are satisfied with the contents.
  • Step 6: You will need to set up one or more payment methods. You can do this by clicking on the Payment method you would like to configure’s name and then entering the credentials supplied to you by your payment method provider. You will typically find these credentials in your payment provider’s portal.
You will need to set up at least one payment method in order to accept VerPay payments. Once the credentials have been entered you should Activate the Payment method.
  • Step 7: You will need to set up one or Terms and Conditions. You can do this during setup by clicking on the Next button and then adding the Terms and Conditions by pressing on the + button on the bottom right.
You can add a name for the Terms and Conditions and then the details which you would like to share with your customers or clients. You should select one of the terms and conditions added as your Default Ts & Cs to speed up accepting payments.
  • Step 8: Once you have completed the steps above, you are ready to start accepting payments over the phone!
  • Step 9: This is an optional step for larger businesses, where more than one person will be using VerPay. By selecting Users on the VerPay menu, you can invite one or more members of your staff to become a Manager or a regular User. Managers are allowed to invite more users and may also edit the Terms and Conditions. Users can only Accept Payments. Only the Owner is allowed to set up the Payment Methods and invite Managers.
Managers are allowed to invite more users and may also edit the Terms and Conditions. Users can only Accept Payments. Only the Owner is allowed to set up the Payment Methods and invite Managers.

We have added a demonstration mode to VerPay for two main reasons:

  1. To allow new merchants try out VerPay and get to understand the flow and how it works, whilst possibly waiting for the regular payment method credentials.
  2. To allow merchants to use Demo Mode to train new members of staff or even customers.

The Owner of the business can switch between Demo and Live Modes by clicking on the User Icon top tight of the VerPay screen and selecting the appropriate mode. When in Demo Mode, no actual payments can be made, and all current payment methods credentials are retained whilst the payment methods are disabled. The Demo Payment method then becomes the only Active payment method and user of the VerPay customer app will be able to see how the example of a card payment method would work.

When switching back to Live Mode, the previously Active payment methods become enabled, Demo Payment method disappears and all references to Demo Mode payments are removed from both the Dashboard and Payment History.

In order to use VerPay you need to first setup at least one of the supported payment methods. You will require the credentials for the payment method, which is typically available from your payment method’s portal.

These payment methods credentials are stored securely inside the VerPay virtual private cloud and is not available to any outside 3rd parties.

The credentials are important to set up correctly as it directs the flow of funds to your merchant account but cannot be used to try and access any of your funds.

Finding your VerPay Merchant ID

You may need to know your VerPay Merchant ID when setting up some of the payment methods. You can find your VerPay Merchant ID by selecting About on the VerPay Menu.

To find out more about setting up your payment methods please click here.

Once you have completed the setup process which should take only a few minutes, you are ready to start taking payments. This is the default mode of operation once a user has logged into VerPay. It is also accessible by clicking on the Accept a Payment menu option.

To accept a payment, you need to take the following steps:

  • Step 1: Tell the client how much he or she needs to pay i.e. the payment amount.
  • Step 2: Tell the client to go to verpay.app on their browser. If this is the first time the client has used VerPay they will be able to sign up using the Social logins or create a VerPay email and password account if required.
  • Step 3: The client should enter the amount he or she needs to pay in the Payment Total field and then press the Get Code button. VerPay will generate the code and display it to the client.
  • Step 4: The client should then read the VerPay code to the person accepting the payment. We have provided the Radio Alphabet to improve clarity and reduce errors whilst receiving the code.
  • Step 5: The user should then enter the VerPay code and will be presented with the client contact details and amount tendered.
  • Step 6: The user should then select the appropriate terms and conditions applicable to this transaction and enter any relevant notes in the Note field. Press the Process button when done.
  • Step 7: The client will receive the terms and conditions and note field if applicable. Once the client is satisfied, he or she can proceed with payment by pressing the Accept button.
  • Step 8: The client will be able to select which payment method to use from the list of payment methods offered by you as merchant. Once the payment has been completed both parties will be notified and the transaction will be recorded in the History folder.

The only reason why we ask a user to log into the VerPay customer or payee app is for access to the user’s payment history. We have found instances where a customer may not have one of the social logins we support (Google, Facebook and Apple) and where a guest login mode would be more convenient.

When making a payment in guest mode, there is still the option for the user to enter his/her name, email and mobile number to ensure that is captured and correctly linked to the payment and transaction history. These details are not stored outside of the physical transaction history document.

In guest mode there is no access to the guest’s payment history, so all transaction history documents should be downloaded to the user’s device once the payment has been completed.

By accepting a payment via the VerPay method, the merchant does not receive any confidential card or payment information, thus eliminating the need for costly Payment Card Industry (PCI) compliance. It eliminates the risk of any customer card information being stolen by staff of by criminal hacking of merchant systems. The mutually agreed upon terms and conditions reduces the risk of dispute when it comes to refunds.

The VerPay payment process is designed to be very fast and easy to conclude. A typical VerPay transaction may be concluded in as little as one minute! In addition, the VerPay Service could share some customer contact information, when specific consent is provided by the customer, thus reducing data entry time and risk of data capture errors on the merchant side. E.g. customer name, phone number or even delivery address.

VerPay merchants pay a small monthly fee to accept VerPay payments. During the Covid-19 pandemic VerPay offers free setup and not charges for the first month. The VerPay monthly merchant fees include the first 100 transactions for free, with a tiny fixed fee charged for per additional transaction. The regular payment method fees, charged by payment partners as part of the merchant relationship they have with you as merchant, such as card acquisition fees or the like will apply.

The VerPay monthly billing fee is managed though CargeBee, one of the largest recurring billing solution providers. The payments are processed via WorldPay, a leading global payment processing company. Merchant card details are stored by WorldPay and is never handled via VerPay.

All that is required is a merchant relationship with one of the payment methods supported by the VerPay Service. At launch time the supported payment methods are Zapper, SnapScan, MasterPass, MTN Mobile Money, Wirecard / myGate and Peach Payments.

If you have a merchant relationship with one or more of these payment companies, you can start taking VerPay payments immediately. If not, we can assist in getting you signed up with the payment provider(s) that best meet your needs and location. We will be adding support for Stripe, WorldPay and Flutterwave next, to better serve international markets. Based on demand we will add more payment methods regularly.

VerPay in fact never touches the customer payment information. VerPay hands off the payment to the payment method selected and accepted by both customer and merchant. VerPay connects the customer and merchant in a secure and binding manner but does not complete the payment. The payment is completed using the likes of an existing secure payment app, mobile wallet app, banking app or 3D secure card payment solution.

VerPay stores only payee name, telephone number, email address and when required address details. The payee name, email address and phone number are only shared in the course of payment processing with the merchants being paid. With payee consent the payee address may be shared with the merchant by VerPay to save both parties time and improve accuracy.

VerPay retains a transaction history including the terms and conditions, for payee and merchant use in the event of any dispute for a period of 12 months. Merchant information is deleted within 120 days after closing the merchant account. Payee information is deleted within 120 days after deleting the payee account.

VerPay does not share any of the payee nor merchant information with any other party and the third-party system used by VerPay has been certified GDPR compliant.

The merchant simply enters “verpay.mobi” in their mobile of desktop browser to start the VerPay Merchant web app. When used for the first time the merchant will have to register to become a VerPay merchant.  The merchant may set up owner, manager and user profiles.
Once registered, the merchant will be able to select the payment methods supported and set them up with their respective merchant details. Next the merchant has to add one or more sets of Terms and Conditions for use with transactions as required.

Thereafter the merchant will be able to enter VerPay codes provided by customers and proceed to complete transactions with customers. The merchant can loop up previous transactions and extract various reports from the VerPay merchant portal.

In future it is anticipated that the VerPay method may be integrated directly into a number of business applications using the VerPay APIs.

No confidential payment or card information is ever handled by the VerPay service. The information recorded details in the customer and merchant details, date-time, payment method used, value and currency, transaction reference, payment reference and the un-alterable set of terms and conditions mutually agreed upon. Both customer and merchants have access to their VerPay history should a dispute arise in the future.

The VerPay service is designed and deployed as a very scalable Amazon Web Services (AWS) edge solution. The VerPay solution used AWS security and encryption services for all user information stored, even though no card information is ever handled directly.

The VerPay services are run on the closest AWS data center to the region. The AWS Cape Town data center is used for South Africa and Sub Saharan Africa. The AWS Ireland data center is used for the UK and Europe. The AWS US East Virginia data center is used for the Americas. As we offer services to APAC region, we will deploy VerPay to one of the AWS APAC zones.

By signing up as a VerPay Developer, the payment partner will receive access to the VerPay APIs and API documentation along with a sandbox environment for testing the VerPay integration.

Integrating VerPay to your payment application is quite easy and requires only 4 points of integration (1) Requesting a VerPay code from the VerPay Service (2) Receiving merchant details and the Ts & Cs offered (3) Notifying the VerPay Service of the Payment status. (4) Lookup of VerPay historical transactions

By signing up as a VerPay Developer, the application partner will receive access to the VerPay APIs and API documentation along with a sandbox environment for testing the VerPay integration.

Integrating VerPay to your businesses application is quite easy and requires only 4 points of integration (1) Looking up a VerPay code from the VerPay Service and receiving payment and customer details (2) Sending a transaction reference and the Ts & Cs offered (3) Receiving the payment status from the VerPay Service (4) Lookup of VerPay historical transactions

VerPay offers a channel partner business model to payment partners, application partners and solution partners. The VerPay Channel Partners help with signing up, setting up and supporting their VerPay merchants and participate in a revenue sharing relationship with VerPay. Sign up via the VerPay Partner application section of the VerPay.com website.

VerPay is a patented software process that uniquely brings together two parties typically conversing with one another in a transaction that is secure, fast to execute and clear-cut in terms of un-alterable, recorded terms of conditions.

The South African patent number P71940ZA00 has been granted to Applicant(s)/Patentee(s) CloudOne Technologies Pty Ltd, based on: PCT/IB2016/056740 filed 9 November 2016 Priority/(ies) Claimed:ZA 2015/08237 filed 9 November 2015, et al

The US Patent Ref US 15/758,081: PCT/IB2016/056740 was filed on 9 Nov 2016, referencing prior data 9 November 2015. The US patent process is still pending.

We have tried to keep signing up as simple as possible and do not store any of your payment details. We do require a login, so that you have access to your payment history for future reference. This is important in the event of a dispute regarding the terms and conditions both parties accepted.

  • Step 1: Navigate to verpay.app which will bring you to the VerPay login screen.
  • Step 2: You could signup using one of the Social logins from Google, Facebook or Apple OR you could create your own VerPay account using a traditional email address and password via the Sign-Up link.

If you create your own VerPay account using email and password, you will receive a Verification email containing your Verification Code, which you will need to enter on the Verification prompt, or by clicking the VerPay Verification Link contained in your Verification Email.

If you have not received a Verification email within minutes, please check your Spam folder in case it ended up there. Verification emails are not sent when signing up via the Social Logins.

  • Step 3: You will be required to complete your Profile, including your name, email address and mobile number and if required update your standard Currency which will default to your location’s currency. If you have used a Social login you most likely will be prompted only for your mobile number.

Why do we ask for your mobile number? It is shared with the merchant in case the merchant needs to contact you post the call. By sharing your email address and mobile phone number electronically, we reduce the effort required to accurately share and capture the phone number or email address.

  • Step 4: Once you have completed the steps above, you are ready to start making secure payments over the phone!

The only reason why we ask a user to log into the VerPay customer or payee app is for access to the user’s payment history. We have found instances where a customer may not have one of the social logins we support (Google, Facebook and Apple) and where a guest login mode would be more convenient.

When making a payment in guest mode, there is still the option for the user to enter his/her name, email and mobile number to ensure that is captured and correctly linked to the payment and transaction history. These details are not stored outside of the physical transaction history document.

In guest mode there is no access to the guest’s payment history, so all transaction history documents should be downloaded to the user’s device once the payment has been completed.

Once you have completed the setup process, which should take only a few minutes, you are ready to start making payments. This is the default mode of operation once a user has logged into VerPay. It is also accessible by clicking on the Make a Payment menu option.

To make a payment, you need to take the following steps:

  • Step 1: The merchant will tell you as client how much you need to pay i.e. the payment amount.
  • Step 2: Navigate to verpay.app on your browser. If this is the first time you are using VerPay, you will be able to sign up using the Social logins or create a VerPay email and password account if required.
  • Step 3: You should enter the amount you need to pay in the Payment Total field and then press the Get Code button. VerPay will generate the code and display it to you.
  • Step 4: You should then read the VerPay code to the merchant accepting the payment. We have provided the Radio Alphabet to improve clarity and reduce errors whilst receiving the code.
  • Step 5: The merchant will then enter the VerPay code and will be presented with your contact details and amount tendered.
  • Step 6: The merchant will then select the appropriate terms and conditions applicable to this transaction and enter any relevant notes in the Note field.
  • Step 7: You will receive the terms and conditions and note field if applicable. Once satisfied, you can proceed with payment by pressing the Accept button.
  • Step 8: You will be able to select which payment method to use from the list of payment methods offered by the merchant. Once the payment has been completed both parties will be notified and the transaction will be recorded in the History folder.

The customer (payee) does not share any card or payment confidential information with the merchant, thus reducing the risk for card fraud or similar abuse of such information. In addition, both parties agree to recorded set of the terms and conditions for the transaction, reducing the risk of a dispute when it comes to refunds.

The VerPay payment process is designed to be very fast and easy to conclude. A typical VerPay transaction may be concluded in as little as one minute! In addition, the VerPay Service could share some customer contact information, when specific consent is provided by the customer, thus reducing data entry time and risk of data capture errors on the merchant side. E.g. customer name, phone number or even delivery address.

Nothing! The customer may in fact get some rewards for using a card or payment method but that depends on the card issuer or payment method provider.

VerPay in fact never touches the customer payment information. VerPay hands off the payment to the payment method selected and accepted by both customer and merchant. VerPay connects the customer and merchant in a secure and binding manner but does not complete the payment. The payment is completed using the likes of an existing secure payment app, mobile wallet app, banking app or 3D secure card payment solution.

VerPay stores only payee name, telephone number, email address and when required address details. The payee name, email address and phone number are only shared in the course of payment processing with the merchants being paid. With payee consent the payee address may be shared with the merchant by VerPay to save both parties time and improve accuracy.

VerPay retains a transaction history including the terms and conditions, for payee and merchant use in the event of any dispute for a period of 12 months. Merchant information is deleted within 120 days after closing the merchant account. Payee information is deleted within 120 days after deleting the payee account.

VerPay does not share any of the payee nor merchant information with any other party and the third-party system used by VerPay has been certified GDPR compliant.

Just as in writing a cheque, handing over cash or completing an Electronic Funds Transfer, the customer decides the value and currency to be paid. The merchant then has to accept the value offered and offer the set of terms and conditions attached to the transaction. Once the customer accepts the Terms and Conditions the customer selected payment method based on the type of payment methods accepted by the merchant. The customer then completes the payment using his or her preferred and acceptable method.

The customer simply enters “verpay.app” in their mobile or desktop browser to start up the VerPay payment web app. When used for the first time the customer will have to identify themselves either by registering as a VerPay user or by using an existing email or social media login provided by Facebook, Google, Microsoft, Apple or Amazon.

The VerPay user registration simply identifies the user and creates a means of tracking payment history especially when there is a dispute re the terms and conditions for a specific transaction. The customer will use the selected payment method’s user authentication to complete a payment.

In future it is anticipated that the VerPay method may be offered directly from a number of payment apps using the VerPay APIs

No confidential payment or card information is ever handled by the VerPay service. The information recorded details in the customer and merchant details, date-time, payment method used, value and currency, transaction reference, payment reference and the un-alterable set of terms and conditions mutually agreed upon. Both customer and merchants have access to their VerPay history should a dispute arise in the future.

The VerPay service is designed and deployed as a very scalable Amazon Web Services (AWS) edge solution. The VerPay solution used AWS security and encryption services for all user information stored, even though no card information is ever handled directly.

The VerPay services are run on the closest AWS data center to the region. The AWS Cape Town data center is used for South Africa and Sub Saharan Africa. The AWS Ireland data center is used for the UK and Europe. The AWS US East Virginia data center is used for the Americas. As we offer services to APAC region, we will deploy VerPay to one of the AWS APAC zones.

VerPay is a patented software process that uniquely brings together two parties typically conversing with one another in a transaction that is secure, fast to execute and clear-cut in terms of un-alterable, recorded terms of conditions.

The South African patent number P71940ZA00 has been granted to Applicant(s)/Patentee(s) CloudOne Technologies Pty Ltd, based on: PCT/IB2016/056740 filed 9 November 2016 Priority/(ies) Claimed:ZA 2015/08237 filed 9 November 2015, et al

The US Patent Ref US 15/758,081: PCT/IB2016/056740 was filed on 9 Nov 2016, referencing prior data 9 November 2015. The US patent process is still pending.