User Manual for Web Application
The User Manual covers everything from initial setup to advanced features, the manual empowers users to explore the system and its wide variety of features in detail. With a focus on user-friendly language and intuitive guidance, the manual serves as a valuable companion throughout the journey, addressing common queries and providing insights that enhance your overall experience.
- User Management
- Wallet Management
- How to Add a New Wallet?
- How to Access Wallets?
- How to Manage Wallets?
- How To Top Up Wallet with UPI?
- How to Give Access of Wallet to another User?
- How to do Wallet to Wallet Transfer?
- How to Manage Savings Wallet?
- How to use Float in Agent Wallet?
- How to Manage Agent Wallet?
- How to do Deposit using M-Pesa?
- How to Send Money to another User?
- Dashboard
- Settings
User Management
The User Management chapter guides users through account setup, profile completion, and KYC processes. It covers creating an account with basic information, completing user details, and fulfilling KYC requirements by uploading necessary documents. These steps ensure users establish secure and compliant profiles, enhancing trust and security on the platform. By following the outlined procedures, users can effectively manage their accounts, comply with regulatory standards, and optimize their experience within the platform.
How to Create a New Account?
- Click on the Register button to sign up for XPRIZO.
*Note: To create an account in the Test environment click here.*
- To establish your account, complete the required information for email registration. Alternatively, for registration via mobile number, toggle the button
accordingly. Users may also input a referral code if referred by someone.
- Enter the code displayed to validate the email or mobile number.
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Subsequently, input the One-Time Password sent to either your email or mobile number to finalize the validation process.
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Upon successful registration, users will be logged in and prompted to choose their country of residence before gaining access to their wallets.
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Choose your country from the dropdown menu, and affirm your selection by clicking the "Confirm" button.
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After selecting the country, users need to add a new wallet by clicking on the "Add New Wallet" button.
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Following that, users should choose the wallet corresponding to the desired currency and then click on "Add New Wallet" to incorporate the wallet in the selected currency.
- Upon successfully adding the wallet, users will be directed to the home screen, providing them access to the wallet.
How to Fill User Details?
- Login to your account, and go to settings by clicking on the initial of your account in the top right corner.
- Go to the "Details" tab to provide complete full name and address information.
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Once you have entered information in both the Full Name and Address fields, click on "Save Data" to update the entered information.
How to Complete KYC?
KYC
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Login to your account and access settings by clicking on your account's initial in the upper right corner.
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Navigate to the KYC tab in the navigation bar and click on "New Document" to initiate the KYC process.
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Choose the option that best suits your needs and proceed by clicking on "Next."
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Choose the desired document to proceed, then click "Next." To make changes, click on the back arrow
icon to modify your selection.
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Click on the upload
button to choose the file for upload or click on the 
to remove the selected file. Once selected, click the "Submit" button to finalize the KYC process.
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After completion, the KYC process will be in progress, and the back office will verify the uploaded documents.
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Click on the ellipsis button
to preview the uploaded file or to delete the uploaded file.
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Once the status changes to
in KYC, it will be assigned a level along with a valid until date. The user can now proceed to send a request to become a merchant.
Wallet Management
The Wallet Management chapter offers comprehensive guidance on handling digital wallets within the platform. Users learn how to add, access, and manage their wallets efficiently. It covers topics like creating new wallets, accessing existing ones, and managing multiple currencies. Additionally, users discover how to fund their wallets using UPI, ensuring transactions. Furthermore, the chapter outlines procedures for granting wallet access to other users.
How to Add a New Wallet?
Add a New Wallet
- Login to your account, and go to settings by clicking on the initial of your account in the top right corner.
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Switch to the wallet tab to handle added wallets, savings, and adjust settings based on your preferences.
- To add a new wallet click on the
button which will open a dropdown containing various currencies to select from and add them to the wallet.
- Once the wallet has been added, click on the radio button in front of the currency to set it as default for the user.
- To remove any wallet click on the ellipsis button to open the dropdown for removing the desired wallet.
How to Access Wallets?
- Sign in to your account using your credentials to access your wallets.
- Select the Xprizo logo located at the top left corner to navigate back to the dashboard and view your added wallets.
- To switch between wallets, click on the currency dropdown menu and select the desired currency.
- Click on the "Send" button to transfer money to your added contacts.
- Click on "Deposit" to add funds to your wallet via Agent, Bank Account, or UPI.
- Click on "Withdraw" to initiate a withdrawal from your wallet via Agent or Bank Account.
- To perform a wallet transfer, click on the "More" option and select "Wallet Transfer" to exchange currencies between wallets.
- To manage your savings, click on "More" and select "Savings" to view and manage your savings balance.
- To request a payment from someone, click on "More" and select "Request Payment" to initiate the payment request.
- To print a statement click on More and select Print Statement to print a statement.
How to Manage Wallets?
- Sign in with your credentials and navigate to your account settings by clicking on your account name initial located in the top right corner, then select "Settings".
- To add a new wallet, click on the "Add" icon and choose the currency you want to add a wallet for. Then, select the desired currency to create the wallet.
- To set a wallet as default, simply click on the radio button next to the desired wallet to mark it as the default option.
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To disable a wallet, click on the ellipsis icon next to the wallet you want to disable, then select the "Disable" option from the menu.
- To enable a wallet, simply click on the ellipsis icon next to the wallet you wish to enable, and then select the "Enable" option from the menu.
- To delete a wallet, click on the ellipsis icon next to the wallet you want to delete. Then, select the "Delete" option from the menu. Confirm your selection by clicking on "Delete", or click "Cancel" to abort the deletion process.
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Click on the piggybank icon to switch to the savings wallet.
- Click on the "Add Wallet" button in your savings to select the currency for which you wish to add the wallet, then choose that currency to create a wallet for it.
- Click on the ellipsis icon to enable or disable the wallet, or to delete the selected wallet.
- Click on the settings icon to navigate to wallet settings where you can view details such as Total Withdrawals and Agent Withdrawal fees for valid currencies.
- Select the desired currency from the valid currencies dropdown to view the data specific to that currency.
How To Top Up Wallet with UPI?
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Sign in to your account using your credentials, then click on the "Deposit" section to add funds to your wallet.
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Select the "UPI" option to proceed with the transaction using UPI.
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Enter the desired amount you wish to add to your wallet and provide any additional comments for the transaction if needed.
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Click the "Deposit" button to initiate the transaction process.
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Next, scan the QR code using your mobile banking application to transfer funds from your bank account to your Xprizo wallet.
- After completing the payment from your banking app, you can click on "Validate" to confirm if the money has been transferred to your wallet. Alternatively, you can click on "Close" to exit the QR code screen and return to the Dashboard.
- To review the status of your transaction, return to the dashboard and click on the most recent transaction.
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Next, click on the "Check Status" button to verify the status of the transaction.
How to Give Access of Wallet to another User?
1. Create a New Account
- To create a new account follow the steps here and assign a name close to the merchant's name to remember the processor account created for that merchant. For example, if your username is John, the account name could be Johnprocessor.
- You can also use an existing account as a processor account.
*Note: This account should not be made a merchant account*
2. Add a Contact
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After creating the account, log in and click on the
icon, then select "Contacts" to add a new contact to your contacts list.
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Look up the merchant user for whom this processor account is created by using their username, email, or phone number.
- Click on the "Add" button to send a friend request to that user.
- Once the request is accepted that user will be added to your contact list.
3. Share Wallet Access
The wallet owner can share and grant access to their wallet, and they can revoke it at any time. To share your wallet, the person must be an active user in your contacts list.
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Log in with the Merchant account, go to the Contacts section, and select the processor account user created for this merchant account to open their contact details.
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Choose "Full" to grant complete access to the merchant's wallet. You can also provide other types of access to the merchant's wallet.
The following is the type of access you can grant:
- None - They have no access to your wallets.
- ReadOnly - They can only view your wallet balances and transactions.
- CreateOnly - They can create new transactions on your wallet.
- CreateRead - They can view the details of transactions created on your wallet.
- CreateApprove - They can approve new transactions on your wallet.
- ApproveOnly - They can approve an existing pending transaction on your wallet.
- ApproveRead - They can view the details of pending transactions on your wallet.
- Full - They have full access to your wallet.
How to do Wallet to Wallet Transfer?
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Sign in to your account using your login credentials.
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To transfer funds from one wallet to another, click on "More."
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Choose "Wallet Transfer" to initiate a transfer from one wallet to another, enabling you to move funds between your wallets.
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Choose the wallet where you want to transfer your funds.
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If the selected wallet uses a different currency, the entered amount will be automatically converted to that currency for the transfer.
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You also have the option to include comments with the transfer you're initiating.
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After completing the necessary details, click on the "Wallet Transfer" button to initiate the transfer of your funds.
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Afterward, you will be redirected to the dashboard to view your recent transactions.
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To finalize the transaction, click on the checkmark. If you wish to decline the payment, click on the cross.
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Once completed, the funds will be transferred to the other wallet.
How to Manage Savings Wallet?
- Sign in using your credentials to access your account.
- To access your savings wallet, navigate to the "More" menu and select "Savings" to open your savings wallet.
When you access your savings wallet within any currency wallet, a wallet for that specific currency will be automatically created if it hasn't been previously.
- To switch between wallets within your savings wallet, simply click on the currency displayed at the top and select the desired wallet from the list.
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To deposit funds into your savings wallet, click on "Deposit," enter the desired amount, and click "Confirm" to add the specified amount to your savings wallet.
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After confirming, you'll notice a pending transaction in your recent transactions. To finalize the transaction and add the funds to your wallet, click on the checkmark icon. Alternatively, if you wish to decline the payment, click on the cross icon to discard it.
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Once you've confirmed the transaction, the funds will be reflected in your savings wallet.
- To withdraw funds from your savings wallet, enter the desired amount and click "Confirm" to proceed with the withdrawal.
- After that, click on the checkmark icon to confirm the withdrawal request, or click on the cross icon to discard the withdrawal process.
How to use Float in Agent Wallet?
- Sign in to your account with your credentials, then access the agent wallets section by clicking on the hamburger menu.
- Select the "Top up" option to add funds to your agent wallet from your user wallet.
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Next, input the desired amount into the designated text field.
- Click on the Top-up button to add the entered money to your agent wallet.
- You'll then return to the agent wallet screen where the latest transaction request will be displayed. Click the check mark to confirm the transaction or select the cross to discard it.
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Upon approval, the funds will be deposited into your agent's wallet.
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To initiate a withdrawal, access the "More" menu and return to the float screen. Then, select the withdrawal option by clicking on the corresponding radio button.
- Next, input the desired amount into the designated field and proceed by clicking on the "Withdrawal" button.
- To approve the transaction, click on the checkmark icon. If you wish to discard the transaction, click on the cross icon.
- After approval, the funds will be withdrawn from the agent wallet and transferred to the user wallet.
How to Manage Agent Wallet?
- Login to your account using your credentials and click on the hamburger menu to open Agent Wallets.
- Click on Deposit to receive funds from a user, funds received from a user will add the same funds to their user's wallet.
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Choose the person you want to send money to from your contacts or search for them. Enter the amount of money they're giving you in the "amount" field. You can also add a note if needed. Click "Deposit" to accept the money and add it to their wallet.
- You will then be redirected to the Agent wallet screen where you will have to approve the transaction in the recent transactions screen. Click the check mark to approve the transaction or if you wish to discard the transaction click on cross to discard the transaction.
- Once approved funds received will be added to your agent wallet and the same amount will reflect on the user's wallet as well from whom we received the funds.
How to do Deposit using M-Pesa?
- Login to your account using your credentials and click on the Deposit to deposit money to your wallet.
- Then select M-Pesa from the options shown.
- Then select the country with its country code in the prefix dropdown and then enter the mobile number in the mobile number text field.
- Then enter the amount in the amount field and you also add comments if you wish to.
How to Send Money to another User?
- Login to your account using your credentials, and click on Send to send money to another user.
- Enter the name of the user you want to send the money to if that user is not added in your contact list then click on the search icon and then enter the name in the popup and search for that user.
- Then enter the amount in the amount field and you can also add the message if you want to.
- Once done click on the Send Payment button to send the money to that user.
Dashboard
Card Routing Codes
- Log in to your account, then click on the icon and choose "Dashboard" to access your dashboard.
- Select the ellipsis button and choose "Enable" to activate the routing code.
- Alternatively, select the ellipsis button and choose "Disable" to deactivate the routing code.
Settings
The Settings page provides a comprehensive interface for users to manage various aspects of their account. Here, users can update their profile and personal details, set preferences, and configure security measures. The page also includes options for managing KYC compliance, wallets, merchants, agents, and location settings. Additionally, users can access system logs to monitor activities and events.
How to set callback webhook?
The Preference tab provides users with control over key settings related to their experience within the system. Here, users can specify how they search for and identify other users, ensuring the process aligns with their needs. Additionally, users can customize how they receive notifications, choosing the types of alerts they want to receive and the methods by which they're notified. The tab also includes options for configuring webhooks, allowing users to define how the system interacts with external services or applications for real-time event updates.
- Log in to the back office, click on your profile name in the top right corner, and select "Settings."
- In the Notifications section, click on the URL field to edit the webhook for notifications.
- After entering the webhook URL, click the "Test" button next to it to verify the URL.
- Upon clicking the test button, you will be able to see the following results.
To see the response for the above webhook click below.