DTB POS AQUIRING

Accept debit and credit card payments at your business with DTB POS Acquiring. Give customers an additional way to pay for goods and services using a POS card terminal, with Kenya Shilling settlement and merchant tools for purchases, reversals, receipt reprints and transaction reporting.

Overview

DTB POS Acquiring is a merchant card-payment service for sole proprietors, partnerships and companies that want customers to pay by debit or credit card at the point of sale.

It can be useful for customer-facing businesses such as retail shops, supermarkets, pharmacies, clinics, restaurants, hotels, travel businesses and other merchants that want to offer card payments alongside cash or mobile-money options. Adding card acceptance gives customers more choice at checkout and can support faster, more efficient payment handling and clearer electronic transaction records.

DTB provides the merchant with POS acquiring services linked to a nominated merchant bank account for settlement of valid card transactions. Settlement currency is currently Kenya Shillings unless DTB agrees otherwise in writing. The merchant service commission is assessed based on factors including the merchant category, account turnover and the number of years the business has operated.

Businesses do not necessarily need to be existing DTB customers before applying: DTB's Product Guide lists both DTB and non- DTB merchants within the target market, subject to merchant onboarding, due diligence and approval.

What You Need to Open an Account

The requirements are as follows:

Board Resolution
Certificate of Incorporation/Business Registration
Business PIN certificate
Copy of Directors’ ID/Passports
Copy of Directors’ KRA PIN Certificates
Copy of Directors’ Photos
Memorandum and Articles of Association
Latest Company Returns (CR12)
3 months Bank Statements for non-DTB customers and 3 months’ turnover summary of DTB
customers

Features

Access a comprehensive suite of banking services and tools:

Settlement Currency
- Kenya Shillings (KES) under the current product terms, unless otherwise agreed in writing with DTB.
Merchant Services
- Card purchases.
- Transaction reversals.
- Receipt reprint.
- End-of-day report.
- Transaction summary report.
- Void of eligible transactions.
Published Charges
- Purchase transaction charge: Nil
- Reversal transaction charge: Nil
- A separate Merchant Service Commission applies to card transactions.
- The Merchant Service Commission is determined using factors including Merchant Category Code (MCC), account/business turnover and years in operation.

FAQs

POS acquiring is a banking service that allows a merchant to accept debit or credit card payments. DTB provides the merchant with card-payment acceptance services and settles valid transactions to the nominated merchant account, less applicable merchant fees and subject to the merchant agreement.

You can apply for a merchant POS acquiring service through a bank such as DTB. Once approved and onboarded, the POS setup allows customers to pay for eligible goods or services using supported debit or credit cards, with the transaction processed through the card network and settled to the merchant account.

DTB offers POS Acquiring to eligible sole proprietors, partnerships and limited liability companies. Complete the DTB Merchant Application Form and provide the required registration, ownership and banking documents so DTB can assess and onboard the business.

Yes. DTB's Product Guide includes sole proprietors among the target market, alongside partnerships and limited liability companies. Approval remains subject to merchant due diligence, business documents, transaction profile and DTB's onboarding requirements.

DTB's Product Guide lists both DTB and non-DTB customers as eligible target merchants. Non-DTB applicants currently provide three months' bank statements, while existing DTB customers provide a three-month turnover summary. DTB will confirm the merchant account and settlement setup during onboarding.

POS card acceptance can suit customer-facing businesses such as retail shops, supermarkets, restaurants, hotels, pharmacies, clinics, salons, travel businesses and other merchants that sell eligible goods or services. DTB evaluates each merchant based on its business category and risk profile.

DTB's Merchant Application Terms refer to Visa and Mastercard cards and allow DTB to notify merchants if additional card schemes are accepted. Product should confirm the currently supported card schemes and terminal functionality before listing a definitive public acceptance list.

The live DTB page does not publish a terminal installation, rental or maintenance fee. It publishes purchase and reversal transaction charges as nil, while a separate Merchant Service Commission applies to card transactions. Ask DTB for the complete merchant pricing applicable to your business before signing the merchant agreement.

The Merchant Service Commission is the fee a merchant pays for card-acquiring services, usually calculated as a percentage of eligible card transaction value. DTB states that its rate depends on factors such as the Merchant Category Code, business turnover and years of operation. DTB's Product Guide has published a 1% to 7% range, but the current rate should be confirmed during onboarding.

The live DTB page lists the purchase transaction charge as nil, but a separate Merchant Service Commission applies to merchant card transactions. In other words, 'purchase - nil' should not be interpreted as card acceptance being completely free to the merchant.

The current product page lists reversal charges as nil. A reversal must still follow the applicable merchant and card-processing rules, and other fees or chargeback-related costs may apply under the merchant agreement.

DTB's merchant terms require the merchant to nominate a Merchant Account for settlement of payments received through the POS terminal. Valid card transactions are credited to that account after applicable fees and adjustments under the merchant agreement.

DTB currently publishes Kenya Shillings as the settlement currency. Its merchant terms also state that card transactions and merchant payments are in Kenyan currency unless otherwise agreed in writing with the Bank.

The live DTB POS Acquiring page does not currently publish a settlement turnaround time. Ask DTB for the current settlement cycle, cut-off times and treatment of weekends or public holidays before onboarding your business.

Yes. Receipt reprint is one of the merchant services currently listed by DTB. Follow the terminal procedure or merchant support instructions applicable to your device.

DTB lists reversals and transaction voiding among its merchant services. Whether a transaction can be reversed or voided depends on its processing status and the card-network and merchant rules. Use the approved terminal procedure and contact DTB merchant support if needed.

Yes. DTB currently lists an end-of-day report and transaction summary report. These reports can help a merchant reconcile card sales against business records and the amounts settled to the merchant account.

DTB POS Acquiring is designed for customers paying by debit or credit card at the point of sale. Till Moja is designed for mobile-money collections such as M-Pesa, Airtel Money and T-Kash that credit directly to a DTB account. A business that serves customers using both cards and mobile money may benefit from offering both payment methods.

A physical POS terminal is mainly used for card payments at an in-person checkout, while an online payment gateway handles payments on websites or digital checkout flows. The current DTB POS Acquiring page focuses on merchant POS services. If you need e-commerce acquiring or system integration, ask DTB which payment solution supports your online use case.

DTB currently requires business registration/incorporation documents, Business KRA PIN, director identification and tax documents, director photographs, applicable constitutional/company documents, CR12, and recent bank statements or turnover information. The exact checklist depends on the business legal structure and merchant risk profile.

Compare the Merchant Service Commission, terminal or setup fees, settlement timing, supported card schemes, terminal reliability and connectivity, reporting, refunds/reversals, merchant support, transaction security, chargeback processes and integration options. DTB currently offers KES settlement, purchase/reversal processing and merchant reporting with pricing assessed according to the merchant's business profile.