Haqሀቅ

Verify Commercial Bank of Ethiopia (CBE) transfers at the counter

Customers pay with CBE mobile banking and show you the confirmation. Haq checks the transfer against CBE's own receipt, so your cashier knows the money reached your account before anything leaves the counter.

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What Haq checks on every CBE transfer

  • It went to your account: the credited account on CBE's receipt is one your shop registered.
  • It's the right amount: never less than what your cashier entered.
  • It was paid just now: yesterday's receipt shown again doesn't pass.
  • Nobody has used it before: each CBE reference counts once, at any shop on Haq.

How it works at the counter

  1. The cashier photographs the customer's confirmation screen, scans the receipt's QR code, or types the transaction reference (it starts with FT).
  2. Haq gets CBE's official receipt for that reference and runs the four checks.
  3. Green: hand the goods over. Red: Haq says what's wrong, so the cashier knows what to ask.

What you need

  • The CBE account or accounts your shop receives transfers on. The owner registers them once.
  • An Android phone with mobile data or Wi-Fi for each cashier.
  • Nothing from the customer: they pay from their own CBE app, as they do today.

CBE Birr and other wallets too

CBE Birr wallet payments are checked as well, along with telebirr, M-Pesa, Bank of Abyssinia, Awash Bank, Dashen Bank, Siinqee Bank, Coopay-ebirr and Kaafi e-birr.

Questions

Where is the CBE transaction reference?

On the customer's confirmation screen, in the SMS CBE sends them, and on the receipt. It starts with FT. Haq reads it from a photo or from the receipt's QR code.

Can a customer show an old CBE receipt?

Not on Haq. Once a reference is verified anywhere on Haq, showing it again is flagged as already used.

Does it work with CBE Birr?

Yes. CBE Birr wallet payments are verified the same way, with the same four checks.

How much does it cost?

There's a free plan with 50 verifications a month. Paid plans start at 299 ETB a month.

Get your shop on Haq this week.

We register your bank accounts, add your cashiers and show your staff how to check a payment at the counter.