{"id":348,"date":"2021-12-10T08:23:22","date_gmt":"2021-12-10T05:23:22","guid":{"rendered":"https:\/\/wordpress-607844-4413238.cloudwaysapps.com\/?page_id=348"},"modified":"2023-09-15T19:09:08","modified_gmt":"2023-09-15T16:09:08","slug":"qa","status":"publish","type":"page","link":"https:\/\/poc.instapay.eg\/?page_id=348&lang=en","title":{"rendered":"Q&A"},"content":{"rendered":"\t\t
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Q&A<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is Instapay?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

It is an app that allows direct access to all your bank accounts and transfer instantly using your mobile device 24\/7.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWho can register on InstaPay?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

Any customer with a bank account in the banks providing the service, considering that the mobile number used must be registered at the bank. While having either a Debit or Meeza prepaid card from the same bank.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat accounts can be onboarded to InstaPay?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

All your banks accounts and Meeza pre-paid card enrolled in the banks providing the service.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat else is required to onboard my accounts?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

Customer must submit his Debit card number and card PIN to authenticate his account during the onboarding process in case of onboarding an account and his Meeza prepaid card number and card PIN in case of onboarding Meeza Prepaid card<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWho is responsible for securing my sensitive data?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

All sensitive data submitted by the customer are secured by your bank, however its banks & customer mutual responsibility to secure the data, considering that InstaPay has no access to this data, please review the Information security and data privacy section for more information<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Information security and data privacy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow does InstaPay Operate?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

InstaPay is the first Payment Service provider (PSP) application licensed by the Central Bank of Egypt to operate over the Instant Payment Network (IPN),
Enabling instant transfers between banks 24\/7
The CBE license entails InstaPay\u2019s full compliance to information security and data Payment privacy legislations and requirements.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIs InstaPay authorized to access Banks and\/or Accounts?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

Instant Payment Network member banks are integrated into the network to accept and process onboarded customers instructions based on customer authorization. The network member banks are licensed by the CBE to allow InstaPay to process customers\u2019 transactions<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow is my data privacy protected?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

The application\u2019s license mandates the secure processing of customer information, prevention of misuse and unauthorized access.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat type of data is collected while using InstaPay?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

InstaPay is guided by data integrity and purpose limitation principles. The app collects data particularly for two purposes: <\/p>

i) Building customer profile during the registration process, where the collected data is limited to Name, Date of Birth, Gender, email and Mobile Number<\/p>

ii) Processing the transaction including the transaction value and beneficiary details<\/p>

in all cases no sensitive data is collected by InstaPay<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tDoes the App have access to the bank account data? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

No. Data privacy restrictions mandates that InstaPay does not store and\/or has access to customer bank account; it is only denoted by a reference while the actual account number is stored at your bank.<\/p>

In all cases InstaPay do not have access to the consumer sensitive data, bank account details and\/or balance<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow does the App deal with sensitive date submitted to InstaPay?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

The sensitive data is defined as your card number, card PIN, OTP submitted during onboarding and the IPN PIN submitted either during definition or during transactions processing authentication.<\/p>

End-to-end encryption for all the above sensitive data is implemented. Thus, the App has no access, nor rights, nor ability to fetch and\/or store such sensitive data, all sensitive data are encrypted between the customer and his bank<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat are the access limitations granted by the App to my balance and\/or mini-statement?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

Both Balance and\/or Mini-Statement are considered as Sensitive data, hence InstaPay has no access, nor rights, nor ability to fetch and\/or store these types of Sensitive date.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow can I assure that InstaPay is not holding any of my sensitive data?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

InstaPay is licensed and regulated by the Central Bank of Egypt as an authorized Payment Service Provider (PSP). The CBE license guarantees the maximum level of data security and consumer data protection, and ensures that all InstaPay operations and\/or processes are fully compliant with CBE legislations.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Processed transaction through InstaPay<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tDoes the App guarantee the quality of the service to the user?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

The app guarantees quality as far as the service is concerned; however, with several parties involved in the transaction success, network connectivity and member banks service may impact the desired assurance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWho is responsible for securing and maintaining my balance and funds?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

Your Bank, according to all regulation, it is always the bank\u2019s responsibility to secure and oversee your account. Only a proper authorization from the customer shall allow the bank to process the transaction<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan InstaPay execute transactions on my behalf or without my consent?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

Absolutely no, this cannot be done technically, as all transactions are secured using IPN PIN which is not accessible or exposed to InstaPay.<\/p>


Banks will not authorize any transaction without proper consumer consent using IPN PIN<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Registration<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow do I register myself?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t
  1. Download the app from your mobile device\u2019s app store<\/span><\/li>
  2. While going through the onboarding process, you will need to ensure your mobile number is registered at your bank.<\/span><\/li>
  3. You will be then asked to create a unique IPN account and Secure it using an IPN PIN<\/span><\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat Happens After Registration?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    Once your mobile is verified, you will have to select your bank account, add your account, set your IPA and set your IPN PIN.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is IPA?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    An Instant Payment Address \u201cIPA\u201d is a simplified address for your account per app which you can use to send and receive money on IPN instead of using the full bank account details. Think of it as an email Address which you can use to transfer money.
    IPA is presented in the form of name@instapay<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow many accounts can I link?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    There is no limit to how many of your accounts you can link. However, all the accounts you would like to register must be registered at your bank using the same mobile number.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow many IPAs can be added?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    The app allows you to create one IPA for each account so you can have any number of IPAs based on the number of registered accounts.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tI can see my bank, but I cannot see my account number. What now?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    You need to make sure that the mobile number you have used during the registration is the same mobile number registered with your accounts in the bank, in addition to the correct card number & card PIN. You might need to contact your bank to update your information.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow can I change my IPA?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    Your IPA cannot be changed once created<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tI have an android device, and I cannot send the activation SMS.<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

    Appreciate to go to Setting then:\n<\/p>\n\n