Agent guide: Cash in

Prerequisites

🚨 Enrollment Fee Required:

Before you can perform cash in transactions or use any FinFlo agent features, you must pay a one-time enrollment fee of UGX 35,000.

This fee activates your agent account
You'll be prompted to pay when you first log in
Payment is made via Mobile Money
Once paid, all agent features become available

You cannot perform cash in transactions or any other operations until the enrollment fee is paid.

Overview

Cash In allows you to send money from your float balance to a customer's FinFlo wallet or to an external Mobile Money number. This is one of the primary services you'll provide as a FinFlo agent.

💰 What is Cash In?

When a customer gives you physical cash, you use Cash In to add that money to their FinFlo wallet. The amount is deducted from your float balance and credited to the customer's account.

💡 Note: You can only perform cash in transactions after your enrollment fee has been paid and your account is activated. You also need to have sufficient float balance.

Two Types of Cash In

FinFlo Customer

External Mobile Money

📱 Cash In Options:

FinFlo Customer: Send money to a customer who has a FinFlo account
External Mobile Money: Send money to any mobile money number (MTN, Airtel, etc.)

Method 1: Cash In to FinFlo Customer

1

Access Cash In Screen

From your dashboard, navigate to Cash In and select FinFlo Customer option.

2

Find the Customer

You have two ways to find the customer:

Scan QR Code: Ask the customer to show their FinFlo QR code, then scan it using your phone's camera
Search by Phone: Enter the customer's phone number in the search field

🔍 Search Tips:

Enter at least 3 digits of the phone number
The system will search as you type
Select the correct customer from the search results

3

Verify Customer Details

Once you've found the customer, verify their details:

Customer name
Phone number
Account status

⚠️ Important: Always verify the customer's identity before processing the transaction. Confirm the name and phone number match the person in front of you.

4

Enter Amount

Enter the amount you want to send to the customer. This amount will be:

Deducted from your float balance
Added to the customer's FinFlo wallet

💰 Balance Check: Make sure you have sufficient float balance. The transaction will fail if your float balance is insufficient.

5

Enter Your PIN

Enter your 6-digit PIN to authorize the transaction. This is required for security purposes.

6

Confirm and Send

Review all details carefully, then tap Send or Confirm to complete the transaction.

✅ Success: You'll see a success message confirming the amount sent. The customer will receive a notification and the money will be immediately available in their wallet.

Method 2: Cash In to External Mobile Money

1

Select Mobile Money Option

From the Cash In menu, select Mobile Money or External Mobile Money option.

2

Enter Mobile Money Number

Enter the customer's mobile money number (MTN, Airtel, etc.) in the format +256700000000.

📱 Number Validation: The system will validate the number and may show the customer's name if available.

3

Enter Amount and PIN

Enter the amount to send and your PIN, then confirm the transaction.

⚠️ Note: External mobile money transfers may take a few minutes to process. The customer will receive an SMS notification when the money arrives.

Commission Structure

As a FinFlo agent, you earn commissions on every cash in transaction. The commission structure depends on the transaction type and amount.

💰 How Commissions Work:

Agent to Customer (A2C): You earn 1.5% commission on the transaction amount
Agent to Mobile Money (A2M): You earn 1.5% commission on the transaction amount
Customer to Agent (C2A): You earn commission based on a tiered structure (see table below)

Tiered Commission Structure (C2A Transactions)

When customers send money to you (Customer to Agent transactions), you earn commission based on the following tiered structure. The customer pays a transaction fee, and you earn 50% of that fee as commission.

Transaction Amount Range	Fee Charged to Customer	Your Commission Earned
UGX 0 - 500	UGX 0	UGX 0
UGX 501 - 2,500	UGX 330	UGX 165
UGX 2,501 - 5,000	UGX 440	UGX 220
UGX 5,001 - 30,000	UGX 880	UGX 440
UGX 30,001 - 60,000	UGX 1,210	UGX 605
UGX 60,001 - 125,000	UGX 1,925	UGX 963
UGX 125,001 - 250,000	UGX 3,575	UGX 1,788
UGX 250,001 - 500,000	UGX 5,775	UGX 2,888
UGX 500,001 - 1,000,000	UGX 10,450	UGX 5,225
UGX 1,000,001 - 2,000,000	UGX 19,800	UGX 9,900
UGX 2,000,001 - 5,000,000	UGX 35,200	UGX 17,600

📊 Commission Examples:

Example 1: Customer sends UGX 10,000 to you → You earn UGX 440 commission
Example 2: Customer sends UGX 100,000 to you → You earn UGX 963 commission
Example 3: You send UGX 50,000 to customer → You earn UGX 750 commission (1.5% of 50,000)
Example 4: You send UGX 200,000 to external mobile money → You earn UGX 3,000 commission (1.5% of 200,000)

⚠️ Important Notes:

Commissions are automatically calculated and added to your earnings balance
For C2A transactions, the commission is 50% of the fee charged to the customer
For A2C and A2M transactions, you earn a flat 1.5% of the transaction amount
All commissions are credited immediately after successful transactions

How Cash In Affects Your Balances

💼 Balance Impact:

Float Balance: Decreases by the cash in amount (for A2C/A2M transactions)
Float Balance: Increases by the cash amount (for C2A transactions)
Commission: You earn a commission on each cash in transaction
Earnings Balance: Your commission is automatically added to your earnings balance

💵 Commission Earnings:

All commissions you earn are automatically tracked and added to your earnings balance. You can withdraw your earnings to your Mobile Money or Bank account at any time.

Best Practices

✅ Transaction Safety:

Always verify customer identity before processing
Double-check the amount before confirming
Ensure you have sufficient float balance
Keep your PIN secure and never share it
Wait for confirmation before giving cash to customer

⚠️ Common Mistakes to Avoid:

Processing transaction before receiving physical cash
Not verifying customer details
Entering wrong amounts
Sending to wrong phone numbers
Not checking float balance before transaction

Troubleshooting

❓ Common Issues:

Insufficient Float Balance: Add more float before processing cash in
Customer Not Found: Verify the phone number or ask customer to check their FinFlo account
Transaction Failed: Check your internet connection and try again
QR Code Not Scanning: Ensure good lighting and camera focus
PIN Error: Double-check your PIN entry

FinFlo Agent Guide