DPO Pay by Network https://dpogroup.com/ Grow with Network Thu, 19 Mar 2026 06:25:41 +0000 en-GB hourly 1 https://wordpress.org/?v=6.9.1 https://dpogroup.com/wp-content/uploads/2024/10/Network_Favicon-150x150.webp DPO Pay by Network https://dpogroup.com/ 32 32 DPO Pay is now Network. Our rebrand journey. https://dpogroup.com/blog/dpo-pay-rebrand-2026/ Thu, 19 Mar 2026 06:10:22 +0000 https://dpogroup.com/?p=260631 DPO Pay is now Network. Learn about our five year transformation and how the rebrand strengthens payment experiences across Uganda, Botswana, Namibia, Zambia and Kenya.

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DPO Pay is now Network. Our rebrand journey.

How We Have Evolved and What It Means for Your Business

Welcome to our rebrand story a journey that has seen DPO Pay transform into Network over the past five years. We have made great progress and milestones in building one of Africa’s most trusted digital payments platforms and today we are proud to be the leading fintech company in Africa and the Middle East, bringing even greater capabilities, reach, and opportunities to businesses across the continent.

Our evolution reflects a commitment to innovation, security, and service excellence, positioning us as the preferred partner for digital payments, by continuously adapting to the needs of African businesses, we empower merchants to thrive in a dynamic, technology-driven economy.

Our rebrand is rolling out across Uganda, Botswana, Namibia, Zambia and Kenya, ensuring a consistent experience for merchants across all our active markets.

A Five-Year Transformation

Our transition from DPO Pay to Network has been a carefully planned and executed journey. Over the last five years, we have worked steadily to align our operations, culture, and offerings with our parent company. Each step has been marked by a clear focus on innovation, security, and the unique needs of African businesses. With now a Network footprint that spans major African and Middle East cities we have ensured that our platform meets the diverse requirements of merchants and consumers across the region.

Same Markets, New Identity

These transitions signal our dedication to unifying our brand presence and strengthening our service delivery. Merchants and partners can now expect a consistent experience, whether engaging with us in Kampala, Lusaka, Windhoek, Gaborone, or Nairobi. Through this transformation, we are reinforcing our position as the largest payment processor and acquirer in the region, supporting over 100,000 merchants across a wide range of sectors.

Aligning with Network International

The rebrand is more than just a new name or logo. It’s a strategic alignment with our parent company, Network International. By streamlining our brand identity, we can leverage global expertise, access advanced infrastructure, and introduce best-in-class solutions tailored for African markets. This unified approach allows us to offer merchants increased reliability, innovation, and the benefit of a global perspective, while maintaining our strong local roots.

What This Means for Our Merchants

You will experience an expanded suite of payment solutions, including mobile money, card, and online transactions all backed by enhanced security and seamless integration. Our strengthened capabilities mean you can grow your business confidently, supported by a partner with both global reach and local understanding.

For our current existing merchants, you will continue using DPO Pay with the same login details, the same services and the same support teams you already trust. Nothing about how you accept payments or run your business will change because of the rebrand.

You will continue to:

  • Access the same platform
  • Receive the same settlements
  • Use the same payment flows
  • Rely on the same support teams

You will also begin benefiting from:

  • Stronger technology infrastructure
  • More innovation across our payment solutions
  • Wider regional reach and expertise
  • A growing ecosystem of value‑added services

Whether you are a small business in Nairobi or a large retailer in Windhoek, our tailored payment solutions are designed to meet your unique challenges, helping you attract more customers and streamline your operations.

Looking Ahead: Our Vision for Unified Digital Payments Future in Africa

As Network, we are committed to supporting merchants whether online or in-store with solutions that simplify payments, improve efficiency, and drive business success. Together, we are ushering in a new era of digital commerce, empowering businesses and communities across the continent to reach new heights.

By focusing on emerging markets, local languages, and mobile-first technology, we continue to shape the payment landscape in Kenya, Zambia, Namibia, Botswana, Uganda, and the wider region, ensuring merchants stay competitive and future-ready.

Watch Our Story

Ready to see our journey in action? Watch our video below to learn more about the rebrand and discover what the future holds as we continue to shape the payments landscape in Africa.

FAQs

DPO Pay rebranded to Network to reflect our full integration into the wider Network family and to offer a more unified, powerful payments experience across Africa. The new name aligns with our long‑term vision to deliver smarter, secure, and more connected payment solutions for businesses of all sizes.

Yes. DPO Pay became part of Network International following our acquisition and multi‑year integration process. The Network brand reflects this transition and brings our merchants the strength, scale, and expertise of a trusted global payments leader. 

No action is required from you, and your services will continue as normal. Your platform, settlements, support channels, and payment flows remain the same. The rebrand simply means you now receive the same experience under the Network name, backed by deeper capabilities and expanded regional support.

Your experience will stay the same. You will continue using DPO Pay with the same login details, the same services, and the same support teams you are familiar with. Nothing about how you accept payments or run your business will change because of the rebrand.

What you will see over time is an improvement in capability. Now that DPO Pay forms part of Network, you will benefit from stronger technology, more innovation, and access to a wider payments ecosystem across Africa and beyond. These improvements are designed to help you offer faster and more reliable payment experiences to your customers, while keeping the trusted service you already know.

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]]> Power Up Your Business with the latest payments trend for 2026 https://dpogroup.com/blog/payment-trends-africa-2026/ Tue, 03 Mar 2026 07:52:01 +0000 https://dpogroup.com/?p=260568 Africa has already transformed global fintech and the next leap won’t come from technology alone. In this piece, Regional Managing Director Judy Waruiru shares why mentorship is the foundation for building stronger talent, safer digital payments and a more collaborative future for the industry.

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Power Up Your Business with the latest payments trend for 2026

Welcome to the latest edition of our Merchant Newsletter, your trusted source for the top payments’ trends and insights in 2026. In this feature, we spotlight the critical payment innovations that shaped 2025 and offer actionable insights on how regulators are driving digital payments in 2026. Stay informed to keep your business ahead in the rapidly evolving world of digital commerce.

What’s Making Waves in Payments?

1. Central banks accelerating digital adoption

Regulators across Africa are making big strides in modernising payment systems. In West Africa, the Central Bank of West African States plans to pilot a retail central bank digital currency (CBDC) in early 2026. This move aims to improve payment efficiency and expand digital access for millions of consumers

2. PAPSS expanding across the continent

The Pan-African Payment and Settlement System (PAPSS) will roll out to 17 more countries in 2026, alongside the launch of the PAPSS Card. This innovation promises faster, low‑cost cross‑border payments, giving merchants access to wider markets without the usual friction.

3. Strengthening local payment systems

While some regions are exploring digital currencies, others are reinforcing existing infrastructure. The South African Reserve Bank, for example, is prioritising real‑time payment upgrades instead of launching a retail CBDC for now.

How 2026 Payment Trends Will Impact Your Business

Understanding these payment trends and regulatory changes is essential for staying competitive in 2026. Adopting new digital payment solutions and keeping pace with regulatory developments can help your business: 

  • Attract more customers,  
  • Reduce transaction costs, 
  • Streamline operations.

The Merchant Newsletter Edition 4 will connect the dots between digital payment innovation and real business impact, demonstrating how the latest payment technologies are enabling businesses to scale, grow, and serve more customers.

Ready to Dive Deeper?

If you want to see the full analysis and get practical guidance tailored for merchants, download the Beyond Payments Newsletter Edition 4. It’s packed with insights that can help you grow your business, streamline how you accept payments and prepare for what’s ahead in 2026

Download the full newsletter to explore all the insights.

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]]> Museum of Illusions and Network: Elevating Customer Experiences with Seamless Digital Payments  https://dpogroup.com/blog/museum-of-illusions-nairobi-digital-payments-network/ Fri, 27 Feb 2026 14:43:44 +0000 https://dpogroup.com/?p=260564 Africa has already transformed global fintech and the next leap won’t come from technology alone. In this piece, Regional Managing Director Judy Waruiru shares why mentorship is the foundation for building stronger talent, safer digital payments and a more collaborative future for the industry.

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Museum of Illusions and Network: Elevating Customer Experiences with Seamless Digital Payments 

Operations Manager at Museum of Illusions Nairobi seated inside the venue with branded décor in the background

When the Museum of Illusions opened its doors in Nairobi, Kenya they came in with a clear vision to deliver immersive, unforgettable experiences that blend the lines between entertainment, culture and education. However, behind the scenes of the illusion rooms and interactive exhibits was an operational challenge, given the surge in popularity of the museum. How do you manage high visitor volumes quickly, securely and without friction? 

As one can imagine, for a destination designed to spark delight in all who visit, the image of long queues, slow checkouts and manual payment processes frankly would sour the mood and dampen the feeling of excitement. The Museum was clear that the guest experience needed to begin the moment a customer walked through their doors, and not after standing in line, pacing while constantly checking their phones to check the time. 

A Fast-Moving, High-Footfall Environment

The Museum attracts families, tourists, school groups and corporate teams every day. They serve as hosts for a variety of groups, from individual ticket sales to large group bookings, CSR initiative and special events. What unites all these activities hidden in the background is the transactions that happen constantly, usually in concentrated peak periods.  

At launch, the team needed a payments partner capable of handling multiple payment methods, quick processing of transactions during busy hours, providing real-time visibility on sales and supporting a fully cashless environment. Just as important, they also needed a partner that would be ready and responsive during their critical opening phase.

Network came through a great deal when the museum was opening, with their reliability and swiftness in acting

Brandie Achar , Operations Manager

Removing Friction at the Point of Payment

Today, visitors can pay using a variety of methods such as QR codes, Apple Pay, G-Pay, Samsung Pay and cards. For businesses, this inclusive approach goes beyond convenience. It directly impacts revenue and customer satisfaction. Faster checkouts reduce queue abandonment, multiple payment options increase conversion rates, and digital records simplify reconciliation and reporting.

Real-Time Payment Visibility for Better Operations

Beyond the front desk, Network’s real-time transaction tracking provides valuable operational control. Those in management can monitor payments as they happen, allowing them to reconcile transactions more efficiently across daily admissions and event bookings. This visibility helps ease the administrative burden, allowing teams to make informed decisions at a faster pace, resulting in less time spent on manual reconciliation, and instead being utilised on enhancing customer experience.

Raising the Bar for Everyone

In fields like medicine or energy, people share safety protocols because it makes the   whole world  safer. Fintech should be the same. We can compete on who has the coolest app, but we should collaborate on things like cybersecurity and ethics. When we mentor each other across the   industry   from the biggest banks to the newest startups, we build a system that   won’t  break.

Enabling Experience-First Businesses

In conclusion, for the Museum of Illusions, payments may not be the headline act or exhibition, but they do serve as a critical enabler of everything else. As Network powers a reliable, fully cashless ecosystem on the backend, the museum can focus on what it does best on the frontend of things: crafting immersive, memorable experiences that both inspire and entertain. Therefore, high footfall entertainment, hospitality and experience-led businesses, the message couldn’t be any clearer: When payment works effortlessly in the background, the customer experience can truly take centre stage.

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]]> Building The Future of Fintech: Why We Are Opening Doors Through Mentorship https://dpogroup.com/blog/mentorship-future-of-fintech-africa/ Fri, 13 Feb 2026 08:04:00 +0000 https://dpogroup.com/?p=260556 Africa has already transformed global fintech and the next leap won’t come from technology alone. In this piece, Regional Managing Director Judy Waruiru shares why mentorship is the foundation for building stronger talent, safer digital payments and a more collaborative future for the industry.

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Building The Future of Fintech: Why We Are Opening Doors Through Mentorship

Picture of Judy Waruiru

Judy Waruiru

Regional Managing Director, Acquiring, Africa

Africa has already proved the world wrong. We did not just join the digital payment race; we set the pace for mobile money and financial inclusion. But let’s be real: having the best infrastructure and apps isn’t enough anymore. The “next big thing” in tech isn’t an algorithm, it’s people. 

The next wave of the digital revolution depends on your skills, your leadership, and frankly our willingness to stop gatekeeping knowledge and start sharing it. 

Beyond the STEM Buzzword

We have all heard the “study STEM” lecture. That we need more younger people to take up skills in Science, Technology, Engineering, and Mathematics (STEM) fields, and these same courses are continuing to evolve, driven by the emergence of new fields, automation and robotics, and big data. But we know the game is changing faster than a university syllabus can keep up.  

Between AI, robotics and big data, the workplace has evolved. It’s no longer just about knowing how to code; it’s about solving real-world problems. This is where the gap lies, and it’s where mentorship changes everything and plays an important role. 

Real Talk: Experience Can’t Be Googled

To fast-track Africa’s digital skills revolution, mentorship must move from being an informal practice to a strategic imperative within the digital payments sector.  Within companies like Network International, (Network), there is a massive amount of “secret sauce” knowledge, things like how to fight fraud, how to navigate messy regulations, or how to build a product that people trust. 

When that knowledge stays locked in an older executive’s office, we all lose. We want to open those doors on mentorship and incubation programs where experienced experts within organisations can shape new and upcoming talent. 

Mentorship is the bridge that takes you from “I learned this in a textbook” to “I’m actually building the AI that secures a million transactions.” 

Why Your Perspective Matters

Let’s get one thing straight: mentorship is not a one-way street where an “expert” talks at you.  It’s reciprocal. While established players have the scale and the “lessons learned,” you bring the agility, the fresh eyes, and the intuitive understanding of where the world is heading. 

We are seeing this work right now at Network International.  We’ve set up programs where our young talent works directly with experts on jobs like AI-driven fraud detection.  It’s not just training, it’s career-proofing our future in tech. 

Raising the Bar for Everyone

In fields like medicine or energy, people share safety protocols because it makes the   whole world  safer. Fintech should be the same. We can compete on who has the coolest app, but we should collaborate on things like cybersecurity and ethics. When we mentor each other across the   industry   from the biggest banks to the newest startups, we build a system that   won’t  break.

The Bottom Line

Beyond individual firms, industry players also have a responsibility to mentor across the ecosystem. Established payment service providers, banks and card networks can support fintech’s and start-ups by sharing lessons on scaling securely, navigating regulation and building resilient systems. This kind of peer mentorship reduces costly trial-and-error, raises industry standards and promotes responsible innovation. 

For the senior leaders reading this: our legacy isn’t our profit.  It’s how much time we invested in the people coming up behind us. 

And for the mentees and Gen Z innovators: the door is opening. As Kenya and the rest of Africa push toward a digital future, we must ask a simple question: are we just building products, or are we building people? 

Because the tech is only as good as the humans behind it. Let’s build both.

The writer is the Regional Managing Director, Acquiring at Network International

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]]> Top 5 Data Privacy Trends Transforming Africa’s Fintech Landscape in 2026 https://dpogroup.com/blog/data-privacy-trends-africa-2026/ Fri, 30 Jan 2026 07:35:29 +0000 https://dpogroup.com/?p=260548 Africa’s digital payments ecosystem is evolving fast, and with it comes rising privacy and security demands. Explore the top 2026 data‑privacy trends shaping fintech, digital ID, tokenisation and AI‑driven fraud prevention across the continent.

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Top 5 Data Privacy Trends Transforming Africa’s Fintech Landscape in 2026

The 2026 Data Privacy Week serves as an important reminder to take control of your data, and this reminder has never been more relevant. As digital payments accelerate across Africa, the industry continues to invest heavily in protecting sensitive customer information, yet data protection begins with the end user. 

Every payment creates a digital footprint that can be misused if not handled carefully. While banks, fintechs and regulators invest in stronger encryption, authentication and monitoring tools, users remain the first line of defence. Simple habits like protecting login credentials, choosing trusted platforms and staying alert to suspicious activity greatly reduce risk. This shared responsibility between users, providers and regulators is essential for building a safer, more trusted payments ecosystem

Beyond personal responsibility, there is what the sector needs to do. Transactions across the continent are booming, with   African fintechs growing from 450 to 1,263 players in 2020–24 and e‑commerce is expected to hit ~$940 billion by 2032. This digital revolution brings more cyber threats, making payment privacy a top priority in 2026.

Below are the key trends shaping the future of secure payments across the continent.

Strengthened Data Privacy Regulations and Compliance.

African markets are experiencing a regulatory shift as governments tighten data‑protection laws such as: 

  • Nigeria’s NDPR   (Nigeria Data Protection Regulation) 
  • Kenya’s Data Protection Act (DPA) 
  • South Africa’s POPIA  (Protection of Personal Information Act) 

These frameworks require stronger customer consent mechanisms, data  localisation  and transparent processing. Providers must adopt   privacy‑by‑design  systems including encryption, access controls  and audit trails to comply not only with local requirements but also international standards such as the   GDPR   (General Data Protection Regulation). 

For payment providers, compliance is now a competitive advantage. Businesses that meet regulatory expectations earn greater customer trust an essential currency in digital payments. 

As a result, providers must invest in privacy-by-design infrastructure (data encryption, access controls, audit trails) to comply with both global standards like GDPR and evolving African laws. This trend ensures customers’ personal data is strictly protected and that payment providers maintain transparency and accountability under local regulations. 

Converged Digital Identity and Payment Authentication.

Identity verification and payments continue to converge in 2026, creating seamless “log in and pay” experiences. Digital identity wallets, powered by government-backed eIDs in countries like Kenya, Ghana and Nigeria, are being integrated into mobile wallets and payment apps.

This reduces repeated document submissions and significantly lowers identity fraud. Users, however, must stay vigilant about:

  • what personal data they are sharing,
  • why it’s required, and
  • how it will be used before granting permissions.

Network Tokenisation for Secure Checkout.

Tokenisation is redefining payment security across Africa. Instead of exposing real card numbers, transactions rely on device‑bound or merchant‑specific tokens that are useless to fraudsters even if intercepted.

In markets like Zambia, neobanks such as Lupiya are already leveraging tokenised e‑commerce debit cards with 3D Secure for safer online payments. Tokens automatically refresh when cards are replaced or expired, reducing fraud and minimising payment failures.

By 2026, tokenisation will be widely adopted across African merchants, supporting more secure and frictionless checkout experiences.

AI-Powered Fraud Prevention and Behavioural Analytics.

AI is transforming data privacy in payments by shifting away from repeated exposure of personal data and toward intelligent, context‑based authentication.

As fraudsters adopt advanced tools including generative AI for spoofing, payment providers are responding with AI‑driven defences. These systems analyse device fingerprints, locations, spending patterns and behavioural biometrics like typing speed or touchscreen gestures to detect anomalies in real time.

AI also helps maintain privacy compliance by masking or deleting unnecessary personal data once transactions are processed. Merchants and processors across Africa will increasingly depend on these tools to safeguard identities and reduce fraud

Privacy-Enhanced Authentication and Encryption.

End‑to‑end encryption and multi‑factor authentication, including biometrics like fingerprint and facial recognition, are becoming standard across African digital payment systems.

With smartphone usage surging, secure mobile infrastructure has become essential. Technologies such as 3‑D Secure, device‑binding and SIM/eSIM‑based key stores ensure that even if a network or app is compromised, raw payment data remains protected

Building a Trusted, Privacy‑First Digital Economy

A strong, privacy‑first ecosystem is crucial for Africa’s digital growth. At Network, we operationalize privacy‑by‑design by embedding rigorous security and compliance controls into every layer of the payments ecosystem. This includes enforcing PCI‑DSS standards, deploying advanced tokenisation technologies and enabling strong customer authentication through biometrics, 3‑D Secure and device‑level binding.

These safeguards are strengthened through continuous security audits, real‑time monitoring and close engagement with regulators. By integrating these measures seamlessly into our platforms, Network delivers secure, frictionless payments while ensuring compliance with evolving privacy requirements across Africa.

As trust deepens, more consumers and businesses will embrace cashless commerce, accelerating Africa’s digital transformation without compromising on security

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]]> Turning the Tide on Payment Fraud During the Holiday Season https://dpogroup.com/blog/payment-fraud-during-the-festive-season/ Mon, 15 Dec 2025 17:53:09 +0000 https://dpogroup.com/?p=260537 The holiday season brings joy and risks. Learn how consumers and businesses can prevent payment fraud with practical tips and trusted solutions.

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Turning the Tide on Payment Fraud During the Holiday Season

The holiday season is a time of excitement and celebration. It starts with Black November sales and rolls into festive shopping sprees where deals and discounts are everywhere. For shoppers, it’s a chance to grab bargains. For those of us in payments, it’s a time of increased transactions and heightened vigilance against fraud.

Every card swipe, mobile money transfer, or online checkout is an opportunity for fraudsters. While payment providers have invested heavily in security, consumers and businesses also play a critical role in protecting themselves. Fraud prevention is a shared responsibility.

Recent reports show why this matters. PricewaterhouseCoopers noted a 25% spike in phishing attacks during last year’s Black Friday rush. African consumers are now prioritizing trust and security over price or product variety. This shift reflects growing awareness of digital fraud risks.

Why Holiday Shopping Increases Fraud Risk

Fraudsters thrive on urgency and distraction. During peak shopping periods, fake websites, phishing messages, and malicious QR codes become common. A single click on a suspicious link or sharing personal details can expose sensitive information.

Simple habits go a long way:

  • Cover your PIN when paying in-store
  • Verify merchant websites before entering card details
  • Ignore unsolicited SMS links or emails promising deals

Businesses Feel the Heat Too

For merchants, the festive season brings opportunity and risk. Whether you run a boutique with a POS terminal or a large e-commerce store, the surge in transactions can attract fraud. Common threats include:

  • Stolen or cloned card details leading to chargebacks
  • Card-not-present fraud exploiting weak authentication
  • Mobile money scams involving social engineering or OTP interception
  • Online attacks like account takeovers and bot-driven checkout fraud

Managing these risks while keeping operations smooth is challenging. That’s why partnering with a trusted payment provider is essential.

Partnering for Protection

Choose a provider that offers advanced fraud detection, real-time monitoring, and multi-layered security across all payment channels. Network delivers these capabilities along with seamless integration and ongoing support. This ensures businesses can focus on growth while staying secure.

Technology: Our Strongest Ally

Fraud prevention is not a one-time effort. Criminals are using AI-driven bots, deepfakes, and synthetic identities to launch faster, more sophisticated attacks. Mastercard recently highlighted how automation and infostealers are changing the game. To stay ahead, payment providers and businesses must share intelligence and invest in smarter systems.

The Bottom Line

As festive lights go up and shopping carts fill, security must remain a priority. For consumers, it means shopping smart and protecting your data. For businesses, it means creating secure checkout experiences and working with trusted partners. For fintech professionals, it means staying ahead of tech-savvy criminals.

Fraud protection is a collective effort. Together, we can turn the tide.

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]]> Kahawia Pantyhose & Network: Empowering Women Through Seamless Payments https://dpogroup.com/blog/kahawia-pantyhose-network-seamless-payments/ Tue, 02 Dec 2025 06:25:53 +0000 https://dpogroup.com/?p=260522 Kahawia Pantyhose is redefining fashion and empowerment in Kenya. With Network’s digital payment solutions, the brand delivers seamless shopping experiences online and in-store, helping SMEs scale with confidence.

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Kahawia Pantyhose & Network: Empowering Women Through Seamless Payments

Network point-of-sale system at Kahawia Pantyhose Nairobi stor

Kahawia Pantyhose isn’t just a fashion brand; it’s a movement of empowerment, inclusivity, and innovation. Powered by Network’s seamless digital payment solutions, Kahawia is redefining how customers shop and how SMEs grow.

A Vision Woven in Confidence

After years of wearing pantyhose as a flight attendant, Zipporah Ithau, the founder, saw a gap in the market: hosiery that truly fits, flatters, and empowers African women. From that insight, Kahawia Pantyhose was born. It is an authentically Kenyan brand blending comfort, quality, and representation in every thread.

The Digital Foundation: Seamless Payments from Day One

Together, Kahawia and Network created a custom webstore integrating multiple digital payment options such as card, mobile money, and shared payment links via WhatsApp and SMS. This flexibility enhanced customer experience, built trust, and made shopping accessible to all.

Using Network’s e-commerce solution, Kahawia integrated payments via API with minimal financial investment. For SMEs, this is critical because low setup costs and scalable infrastructure can mean the difference between survival and success.

Unified Payment Experiences

As demand grew, Kahawia expanded to a physical outlet in Nairobi’s CBD. Network supported this transition with point-of-sale systems that deliver the same seamless experience in-store as online. Whether shopping on the website or visiting the Nairobi store, customers enjoy more than hosiery. They discover a sense of belonging. Kahawia’s customized collection, with shades reflecting diverse skin tones, helps women feel seen and confident whether heading to work, a wedding, or a casual Monday outing.

Streamlining Operations Through Payments

At Network, we take this role seriously. By providing accessible, secure, and scalable digital payment solutions, we empower entrepreneurs to focus on what matters most: growing their businesses. Our commitment is to simplify payments so SMEs can operate seamlessly, expand confidently, and compete effectively in an increasingly digital economy.

Whether selling through a website, storefront, or hybrid model, Network’s integrated payment systems ensure fast, secure transactions, empowering businesses and customers alike.

Empowering Women, Enabling Growth

Kahawia is now a thriving brand by women, for women, supported by technology that scales with ambition. With SME payment solutions tailored to growth, Network helps entrepreneurs like Zipporah focus on building brands, serving communities, and inspiring change.

Today, Kahawia Pantyhose represents more than a fashion statement. It is a movement of inclusivity and empowerment made possible by innovation. With Network’s diverse digital solutions, Zipporah continues to grow her brand confidently, proving that technology can elevate local businesses into enduring stories of resilience and success.

Kahawia’s journey is a testament to how digital innovation and inclusive design can transform local businesses into powerful movements. With Network, seamless payments become the foundation for lasting impact.

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]]> Understanding Settlements: How Network Ensures Fast & Reliable Payouts https://dpogroup.com/blog/understanding-settlements-network-payouts/ Thu, 27 Nov 2025 09:07:00 +0000 https://dpogroup.com/?p=260520 Receiving payments is just the beginning. The real milestone is when those funds reach your account. This guide explains what settlements are, how they work, and why Network offers faster, more flexible payout options than anyone else.

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Understanding Settlements: How Network Ensures Fast & Reliable Payouts

For any business, receiving payments from customers is only half the battle—the real milestone is when those funds land in your bank or mobile money account. This process, known as settlement, is the backbone of your cash flow. At Network, we ensure settlements are fast, dependable, and transparent.

In this guide, we’ll cover:

  • What settlements are and why they matter
  • How payment processing works behind the scenes
  • Network’s settlement cycles (and how they compare to competitors)
  • Bank vs. mobile money payouts – which is best for you?
  • Common pitfalls and how to avoid them

What Are Settlements?

Settlements are the final step in payment processing—where approved transactions are converted into actual money in your Network account.

Key Players in the Settlement Process:

  • Customer – Pays via card, mobile money, or bank transfer
  • Merchant – Your business, receiving the payment
  • Payment Processor (Network) – Facilitates the transaction
  • Acquiring Bank – Your business’s bank
  • Issuing Bank – The customer’s bank
  • Card Networks (Visa, Mastercard, etc.) – Route transactions
  • Mobile Money Providers (M-Pesa, Airtel Money, etc.)

Why Settlements Matter to Merchants:

  • Cash Flow – Delayed settlements can disrupt operations
  • Predictability – Knowing when funds arrive helps with planning
  • Competitive Edge – Faster payouts improve liquidity

How Payment Processing Works (Before Settlement)

Before funds settle, transactions go through several stages:

Step 1: Payment Authorization

  • Customer pays via card, mobile money, or bank transfer
  • Issuing bank/telco checks for sufficient funds and fraud
  • If approved, the transaction is captured (but not yet settled)

Step 2: Batching at Network

  • Approved transactions are grouped into a batch
  • Batches are processed at set intervals for payments to be made

Step 3: Settlement by Network

  • Funds move from the customer’s bank → Network → your bank/mobile money account
  • Fees (transaction, processing, etc.) are deducted

How We Compare to Others

One of the simplest ways to ensure secure payments for businesses is investing in a comprehensive payment platform that provides a full range of security features such as encryption and fraud detection, to prevent data breaches.  

Businesses need to:

  • Prioritise security to protect customer information and maintain trust, while also preventing potential threats that result in lost revenue. Relying on single or limited payment options can put businesses at risk especially if there is room for possible exploitation such as fake sales.
  • Along with investing in a payment platform, it is essential to monitor transactions regularly. A platform that offers automated monitoring will help to detect any unusual activity so that potential threats can be noticed quickly.
  • Employees and anyone managing the site should also be educated on current scams and threats to understand data handling protocols.  

Bonus Tip: Investing in a secure and safe payment gateway reduces risk and helps build customer confidence, which is vital for business success. 

Bank vs. Mobile Money Settlements

Bank Transfers
✔ Best for: Large amounts and international transactions
✔ Options:

  • RTGS – Local transfers from $100
  • SWIFT – Cross-border (1–2 days, min. $250)
  • SEPA – Euro transfers (2 hours, min. $250)

Mobile Money (M-Pesa, Airtel Money, etc.)
✔ Best for: Small businesses needing speed
✔ Speed:
✔ Lower thresholds – Ideal for frequent, smaller payouts

Why Network Settlements Stand Out

✔ Faster than competitors
✔ More options (bank + mobile money)
✔ Flexible cycles (daily, weekly, bi-monthly)

Got questions? Email us at [email protected]

Settlements FAQs

It’s the process of transferring funds from Network to a merchant’s bank or mobile money account. Settlements are processed on a net basis, meaning fees (refunds, chargebacks, etc.) are deducted before payout.

Based on your chosen cycle: weekly, fortnightly, bi-monthly, T+1 business day, or T+3 business days.

  • Active Network account (not on hold)
  • Correct bank details
  • Minimum threshold met
  • RTGS/SEPA: 2 hours
  • SWIFT: 1–2 days
  • IFT: Instant
  • Mobile Money: Instant

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]]> Cybersecurity in Digital Payments: How to Stay Safe Online https://dpogroup.com/blog/cybersecurity-in-digital-payments/ Mon, 17 Nov 2025 08:25:48 +0000 https://dpogroup.com/?p=260505 Consumers face numerous risks when making online transactions, and scams vary in complexity. Some are easy to spot—such as social media posts or emails claiming a well-known brand is giving away huge prizes. Unsolicited emails with typos or suspicious “reply-to” fields are also common red flags. Unfortunately, scammers often target less tech-savvy users, making them easy victims.

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Cybersecurity in Digital Payments: How to Stay Safe Online

Cybersecurity in digital payments illustration showing secure online transactions and encryption

In today’s digital age, the evolution of payment methods – from traditional card payments, contactless options to crypto currencies has revolutionised how consumers shop both online and in-store. However, this convenience brings an increased need for robust payment security to protect both businesses and customers from scams and fraud. This article explores essential practices for cybersecurity in digital payments offering valuable tips for businesses and consumers to navigate the complexities of payment security while fostering trust and seamless shopping experiences. 

How safe are online payments? 

Online payments make it easier for businesses to get paid and for shoppers to complete transactions. When the right security measures are in place, transactions are generally safe. However, as scams become more sophisticated, it’s essential to be aware of risks such as fraud, data theft, and other threats when making any type of payment online.

Choosing secure payment methods from authorized providers is the best way to have peace of mind. Credit cards and trusted mobile payment apps offer layers of protection for consumers, including encryption and two-factor authentication. Secure payment platforms make it even safer with extra safeguards such as 3D Secure, real-time fraud monitoring, and PCI DSS compliance.

Which payment methods are the safest?

Whichever online payment methods are offered by e-commerce merchants, the most important thing is that all methods are secure and backed by authorised providers.  

  • Visa and Mastercard credit cards are generally safe, thanks to protections like chargeback options, fraud detection and 3D secure for added authentication. 
  • Instant EFT payments are secure but irreversible, which means that customers need to carefully double-check recipient details before confirming payment. Only trusted platforms that encrypt data should be used to minimise risks. 
  • Mobile payment apps offer secure transactions through QR code scanning, while other mobile wallets, apps and contactless payments such as Scan to Pay, Apple Pay and Samsung Pay offer encryption and other security features. Apps should always be downloaded from official stores and unknown QR codes should never be scanned. 

 

While each of these methods has safeguards in place, using a comprehensive payment platform can add additional layers of security, while making transactions faster and easier. Features like encryption, fraud monitoring and user verification help reduce risks for both businesses and consumers, providing a safer environment for online transactions. Along with improving security, a single payment platform that allows consumers to choose their preferred payment option helps to boost conversion through added convenience and increased trust signals, too. 

Secure payment tips for businesses

One of the simplest ways to ensure secure payments for businesses is investing in a comprehensive payment platform that provides a full range of security features such as encryption and fraud detection, to prevent data breaches.  

Businesses need to:

  • Prioritise security to protect customer information and maintain trust, while also preventing potential threats that result in lost revenue. Relying on single or limited payment options can put businesses at risk especially if there is room for possible exploitation such as fake sales.
  • Along with investing in a payment platform, it is essential to monitor transactions regularly. A platform that offers automated monitoring will help to detect any unusual activity so that potential threats can be noticed quickly.
  • Employees and anyone managing the site should also be educated on current scams and threats to understand data handling protocols.  

 

Bonus Tip: Investing in a secure and safe payment gateway reduces risk and helps build customer confidence, which is vital for business success. 

Secure transaction tips for consumers

Cyber fraud, scams, data theft and other risks mean that consumers need to be extremely careful when conducting any type of transaction online. All it takes to put consumers at risk is one click on a fake link to a promotion that redirects to a phishing site. Although many consumers are growing increasingly aware of threats, cybercriminals are getting smarter and finding new ways to scam shoppers. Some of the ways that consumers can stay safe when making transactions online include the following:  

  • Reputable, trusted payment methods are essential when doing any type of transaction. Whether paying by credit card or a payment app, consumers should always ensure that selected methods have proven security features and SSL certificates.   
  • Two-factor authentication (2FA) should be activated on banking apps, Instant EFT, Apple accounts, Samsung accounts, and any other payment method that requires an added layer of security.    
  • Review Bank Statements regularly to look out for any suspicious transactions or unauthorised purchases.    
  • Payments should always be made on protected WiFi networks to ensure that they are fully secure.  

Top Digital Payment Scams and How to Avoid Them

There are several digital payments scams you should look out for as an online shopper or a business running an online store that can lead to significant financial losses for both parties. 

For Businesses:

  1. Friendly Fraud aka Chargeback Fraud. In this scam, customers make legitimate purchases but later dispute the charges to obtain refunds. Platforms that track transaction histories and provide detailed records can help businesses defend against chargebacks.
  2. Invoice Scams. Fraudsters pose as suppliers in these scams, sending false invoices to trick businesses into paying for non-existent goods or services. This type of scam can be prevented by verifying any changes in payment details directly with suppliers. 
  3. Account Takeover Fraud. A more advanced fraud, this scam involves hackers gaining access to business accounts to perform unauthorised transactions. Using platforms with strong login protocols such as two-factor authentication helps prevent account takeovers. 
  4. Triangulation Fraud. In this scam, a fake or replica website is created to entice buyers with cheap goods. These fake websites may appear in ads or be sent via email directing consumers to the website through a phishing attempt. Goods are not shipped as they don’t exist, leaving customers thinking that they have been conned by the real store. This can be hugely damaging to reputation, which has a direct effect on sales. It also affects consumers, who have given sensitive details to scammers (who then use this for further scams). Making it clear that your site uses trusted payment platforms and doing regular social media posts warning customers about this scam is essential to educate customers on how to check that they are shopping on a legitimate site.  

For Consumers:

Consumers face numerous risks when transacting online. Some scams are very basic and easy to spot a mile away. Seeing a social media page or email that claims that a well-known brand is giving away huge prizes should be a red flag. Emails that you haven’t subscribed to can often be easily spotted as scams if there are obvious things like typos, or strange ‘reply-to’ fields that don’t seem to be from the store. In some cases, scammers target internet users who may not be tech-savvy, as they are seen as easy targets.  

But many other scams are not as easy to spot, such as the following:  

  1. Card-Not-Present Fraud. Also known as CNP fraud, this occurs when stolen card details are used for online purchases. To protect against CNP fraud, consumers should enable transaction alerts and use secure payment platforms.  
  2. SIM Swap Scams. SIM swaps enable scammers to transfer your phone number to their own SIM card, as a way to get SMS-based two-factor authentication codes. Using app-based authentication rather than SMS and enabling extra security with mobile networks can reduce this risk.  
  3. Store Account Takeovers. Stolen credentials can be used to access online store accounts, often making unauthorised purchases. To prevent this, consumers should always use unique passwords and enable two-factor authentication on store accounts.  
  4. Fake E-Commerce Sites. These sites usually appear legitimate but exist only to steal payment information. Always verify site security by checking for HTTPS and an SSL Certificate and looking up reviews before entering payment details. Links from emails you haven’t subscribed to receive should never be clicked. Consumers should be wary of promotions, too – especially those that seem too good to be true.  
  5. SMS Phishing Scams. Another common scam involves fraudsters impersonating organisations and targeting unsuspecting individuals with an SMS containing a link to an untrustworthy site to capture their information. For example, the SMS may say you’ve won a prize and to click the link to claim it. It’s important to check whether the URL has a legitimate domain, and if the message seems too good to be true then it most likely is.  

Network makes digital payments safer & simpler

Network secure payment platform features including PCI DSS compliance, fraud detection, and 3D Secure authentication

With online payments playing a larger role in daily transactions, securing digital payments is vital to ensure peace of mind, whether you own a store or shop at a store. This means understanding the potential risks of payment methods and knowing how payment platforms help to avoid scams, fraud, unauthorised transactions, data breaches, and other problems.   

At Network, our goal is to equip businesses operating in the competitive e-commerce space with the tools needed to succeed. Providing customers with a smooth experience from start to finish isn’t just about having an easy checkout and a well-designed store. It’s also about making safety your number one priority. Offering a wide range of security features and hassle-free integration, our payment platform allows you to focus on your business while we handle your payment processing.   

As a comprehensive secure online payment platform, Network provides businesses with all the tools needed for full peace of mind.  

Some of the ways that we help make digital payments safer and simpler include the following:  

  • Easy Integration. Network integrates with over 50 different popular shopping cart platforms, including WooCommerce, Shopify and Magento, as well as custom website integrations.   
  • Flexible Payment Methods. Accepted trusted payment methods include Visa, Mastercard, Amex,  Mpesa, Airtel, Scan to Pay, Samsung Pay, Apple Pay and more.  
  • Secure Payment Pages. When purchases are made on your site, customers are redirected to Network’s secure payment page, where they can choose their preferred payment method. Payments are then processed, your store is notified, and the checkout process can be completed.  
  • Enhanced Authentication with 3D Secure. This feature adds an extra layer of verification for credit card transactions, requiring users to authenticate their identity and reducing any unauthorised use.  
  • SSL Encryption. All data is secured with SSL encryption, ensuring that payment details and other sensitive information are fully protected from interception.  
  • Comprehensive Fraud Detection. Real-time monitoring helps to detect and prevent potential fraud, providing a secure payment environment.  
  • PCI DSS v4.0.1 Certification: Lastly, Network achieved and received the annual re-certification with PCI DSS v4.0.1 in 2025 which applies to all markets that we operate in. 

FAQs

Cybersecurity protects your business from data breaches, fraud, and downtime that can lead to financial losses. It also ensures customer payment data stays confidential and builds trust.
  • Technology
  • Financial Services
  • Manufacturing
  • Government
  • Business Services
  • Keep all software, plugins, and themes updated
  • Enable Multi-Factor Authentication (MFA) for admin access
  • Use SSL/TLS encryption for all transactions
  • Choose hosting with Web Application Firewalls (WAF) and DDoS protection
  • Display trusted payment logos and ensure your site uses HTTPS

Multi-Factor Authentication adds an extra layer of security beyond passwords. Even if credentials are stolen, MFA helps prevent unauthorized access to your admin dashboard.

Use a PCI DSS Level 1 compliant payment gateway. This ensures payment data is encrypted, reduces your compliance burden, and minimizes risk by avoiding storage of sensitive cardholder details.

  • Apply security patches regularly
  • Update store software and integrations
  • Run monthly vulnerability scans
  • Train staff on cybersecurity best practices

A vulnerability scan checks for weaknesses that hackers could exploit. Running scans monthly helps you catch issues early and maintain strong security.

Cyber threats evolve constantly. Staying secure means continuous monitoring, applying fixes, updating systems, and training staff—it’s not a one-time task.

Tokenization replaces sensitive card data with unique tokens, reducing the risk of theft. Even if tokens are intercepted, they cannot be used to make payments.

We use advanced encryption and tokenization to protect sensitive data. Tokenization replaces actual card details with unique tokens, so even if intercepted, the information cannot be used for payments.

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]]> Payments Are at the Heart of Exceptional Customer Service https://dpogroup.com/blog/customer-service-payments-network-2025/ Thu, 06 Nov 2025 12:41:04 +0000 https://dpogroup.com/?p=260498 As Customer Service Month wraps up, we explore how payments have become a strategic pillar of customer experience. From reducing cart abandonment to scaling with a human touch, Network’s solutions empower businesses to serve better and grow faster.

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Payments Are at the Heart of Exceptional Customer Service

As Customer Service Month ends, we reflect on the powerful theme of this year’s celebration: “Mission: Possible.” It’s a timely reminder that delivering outstanding customer experiences is not just a goal, it’s a daily mission. And at the core of that mission lies one critical element:  payments. 

From our multi-country footprint and years of experience, we  have  learned that customers expect fast, secure  and personalised service at every touchpoint. A delayed confirmation, declined card, or insecure checkout can unravel months of brand-building in seconds.  That’s  why businesses must treat payments not just as a transaction  but as a strategic pillar of customer service.

Make Cart Abandonment Impossible

Cart abandonment is one of the biggest silent threats to online revenue. While customers may leave for many reasons, payment friction should never be one of them. A frictionless checkout experience not only reduces drop-offs but also builds long-term trust and loyalty.

To optimise your checkout and make cart abandonment a thing of the past:

  • Offer multiple payment options: Include credit/debit cards, mobile wallets, bank transfers, and international methods to cater to diverse customer preferences.
  • Ensure a smooth experience across all channels: Your checkout should be seamless whether customers are on mobile, desktop, or in-store.
  • Localise payment interfaces: Reflect regional languages, currencies, and preferred payment methods to enhance comfort and confidence.
 

By removing barriers at the point of payment, businesses can convert more browsers into buyers and turn transactions into trusted relationships.

Scale Without Losing the Human Touch

Growth should never come at the cost of customer satisfaction. Scalable payment solutions allow businesses to:

  • Expand into new markets without service disruption
  • Handle higher transaction volumes while maintaining speed and reliability
  • Personalise experiences even as operations grow

Let Your Data Drive Better Decisions

Modern payment platforms do more than process transactions. They unlock insights. With the right provider, you gain access to:

  • Real-time analytics on customer behaviour patterns
  • Purchase cycle tracking for personalised offers
  • Enhanced after-sales support through data-driven decisions

Invest in Compliance and Security

In digital commerce, security is customer service. Customers feel valued when their data and money are protected. Choose a payment partner that:

  • Meets global compliance standards
  • Offers robust fraud prevention tools
  • Provides transparent dispute resolution and chargeback services

Why Choose Network?

At Network, we believe that payments are the new trust builders. Our solutions are designed to empower merchants with:

Feature
Benefit

Scalable Solutions 

Adapt to growth without sacrificing reliability 

Customer-Centric Design 

Accept payments across channels and currencies

Compliance & Safety 

Meet international standards and protect customer data

Localised Payments 

Support local wallets and global systems 

Comprehensive Ecosystem

Access analytics, dispute management, and reconciliation tools 

Wrapping Up Customer Service Month

As we close out Customer Service Month, one truth stands out: the future of customer experience is digital, data-driven, and deeply personal. Payments are no longer just a backend function, they’re a frontline service, a brand differentiator, and a growth enabler. 

If your current payment solution  doesn’t  tick all the boxes, it’s  time to talk to us. At Network, we make payments our business so you can focus on growing yours. 

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