Payments

Certified Payments Agent (R101-002)


Description

Course Overview:

Certified Payments Agent is a practical, frontline professional development and certification programme designed for individuals and businesses that provide authorised payment and transactional services to customers on behalf of banks, fintechs, mobile money operators, payment service providers, remittance providers, wallet providers, payments kiosks and outlets, and other regulated or approved financial-services organisations.


Payments agents are often the human face of a broader digital payments ecosystem. They help customers deposit or withdraw cash, fund accounts and wallets, make transfers, pay bills, receive remittances, perform merchant or person-to-person payments and access other authorised transactional services.


An effective payments agent must do much more than operate a terminal, application or mobile device. The agent needs to understand how to serve customers professionally, process transactions accurately, maintain sufficient cash and electronic float, protect customer information, recognise fraud and suspicious activity, comply with operating requirements, resolve common problems and operate the agency outlet as a viable business.


Certified Payments Agent develops these practical competencies.

Contact Us:: info@transacttrainng.online Average Course Durat...: 48 Hours Time for Course Comp...: 30 Days

Content
  • Course Introduction
  • Welcome Letter
  • Accessing Course Toolkits and Reference Material
  • Use of Multimedia
  • MODULE 1: Becoming a Professional Payments Agent
  • Learning Objectives
  • Key Terms
  • Understanding the Payments Agent Model
  • Your Place in the Payments Ecosystem
  • Representing the Provider
  • Understanding Your Responsibilities
  • Authorised vs Unauthorised Activities
  • Ethics, Integrity and Professional Conduct
  • The Professional Payments Agent Mindset
  • Summary: Module 1
  • Assessment Module 1
  • MODULE 2: Delivering Excellent Payments Agent Customer Service
  • Learning Objectives
  • Key Terms
  • The Agent Customer Journey
  • Understanding the Customer's Need
  • Communicating Payment Services Clearly
  • Supporting Customers with Limited Digital or Financial Literacy
  • Fees, Charges and Transparency
  • Customer Consent
  • Handling Complaints Professionally
  • Managing Difficult Customer Situations
  • Summary: Module 2
  • Assessment Module 2
  • MODULE 3: Processing Payment and Agent Transactions Correctly
  • Learning Objectives
  • Key Terms
  • Understanding the Payment Transaction Journey
  • Preparing Before Processing
  • Cash-In Transactions
  • Cash-Out Transactions
  • Transfers and Person-to-Person Payments
  • Bill Payments, Merchant Payments and Other Agent Services
  • Receipts and Transaction Confirmation
  • Failed, Declined, Pending and Reversed Transactions
  • Avoiding Duplicate Transactions
  • Daily Transaction Reconciliation
  • Summary: Module 3
  • Assessment Module 3
  • MODULE 4: Cash, Float & Liquidity Management
  • Learning Objectives
  • Key Terms
  • Understanding Agent Liquidity
  • How Transactions Affect Liquidity
  • Understanding Customer Transaction Patterns
  • Preparing Opening Cash and Float
  • Monitoring Liquidity Throughout the Day
  • Rebalancing Liquidity
  • Liquidity and Lost Business
  • Cash Security vs Customer Availability
  • End-of-Day Liquidity Discipline
  • Summary: Module 4
  • Assessment Module 4
  • MODULE 5: Fraud, Scams & Payments Agent Security
  • Learning Objectives
  • Key Terms
  • Why Payments Agents Are Targeted
  • Understanding Social Engineering
  • Fake Provider Officials and Support Calls
  • Protecting Passwords, PINs and OTPs
  • Device and Application Security
  • Recognising Suspicious Customer Behaviour
  • Agent-Assisted Fraud and Internal Misconduct
  • Cash and Physical Security
  • Responding to a Suspected Fraud Incident
  • Summary: Module 5
  • Assessment Module 5
  • MODULE 6: KYC, AML, Compliance & Customer Protection
  • Learning Objectives
  • Key Terms
  • Why Payment Services Have Rules and Controls
  • Understanding KYC
  • Customer Identification and Verification
  • Introduction to Money Laundering
  • Suspicious Transactions and Behaviour
  • Transaction Splitting and Control Avoidance
  • Customer Privacy and Confidentiality
  • Consumer Protection and Fair Treatment
  • What Agents Must Never Do
  • Stop, Proceed or Escalate?
  • Summary: Module 6
  • Assessment Module 6
  • MODULE 7: Building a Successful Payments Agent Business
  • Learning Objectives
  • Key Terms
  • Thinking Like a Payments Business
  • Understanding Agent Revenue
  • Revenue Is Not Profit
  • Increasing Legitimate Transaction Activity
  • Building Repeat Customer Usage
  • Customer Education as a Growth Tool
  • Responsible Promotion and Cross-Selling
  • Service Availability as Competitive Advantage
  • Measuring Your Own Performance
  • Building a Trusted Community Payments Outlet
  • Summary: Module 7
  • Assessment Module 7
  • MODULE 8: Payments Agent Excellence & Certification
  • Learning Objectives
  • Key Terms
  • The Payments Agent Excellence Model
  • Scenario: The Failed Cash-Out
  • Scenario: Insufficient Agent Liquidity
  • Scenario: The Fake Technical Support Call
  • Scenario: The Suspicious Transaction Pattern
  • Scenario: The Customer Who Wants Help With Their PIN
  • Scenario: The Angry Customer
  • Scenario: The Profitable Shortcut
  • Scenario: End-of-Day Discrepancy
  • Building Your Daily Agent Routine
  • Summary: Module 8
  • Assessment Module 8
  • Course Evaluation
  • Course Evaluation
Completion rules
  • All units must be completed
  • Leads to a certificate with a duration: Forever