A client pre-registers a deposit via USSD, then physically brings cash to the agent. The agent confirms they have received the cash and enters the exact amount. Symba Payments then transfers money from the agent's float account to the client's savings account.

Client flow (via USSD)

1. The client logs in to the USSD system and navigates to their savings account.
2. The client selects Deposit → Via Agent.
3. The client enters the agent's code and confirms the agent's name.
4. The system creates a deposit request with a 24-hour validity window.
5. The client receives a USSD confirmation and is instructed to bring cash to the agent within 24 hours.
6. The agent receives an SMS notification.

Agent flow (via USSD)

1. The agent logs in to the USSD system and selects Agent Services → Deposit Requests.
2. The agent sees a list of pending requests, each showing the client name and currency.
3. The agent selects a request and sees the expected amount and client details.
4. After the client hands over the cash, the agent enters the actual amount received and confirms.
5. Symba Payments transfers the entered amount from the agent's float to the client's savings account.
6. Both the agent and the client receive an SMS confirmation of the successful deposit.

Note: The agent enters the actual cash amount received. This may differ from the expected amount in the request in edge cases, so the agent is always asked to confirm.

Expiry

Deposit requests that are not actioned within the validity window (default: 24 hours) expire automatically. Clients receive an SMS notification and must submit a new request.

Alternative: Direct transfer

If the client visits an agent without submitting a request first, the agent can use the direct transfer flow instead, which does not require a pre-registered request.

Related Topics

• Agent Banking
• Withdrawal requests
• Direct transfers
• USSD