Dinube

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Dinube

Common questions


About Dinube

What is Dinube?

Dinube is a payment network, fully digital, que te permite pagar tanto en tiendas reales como on-line, guardar todos tus recibos y tarjetas de fidelización en un único lugar, recibir y enviar dinero a tus contactos en tiempo real y controlar tus gastos.

Who can use Dinube?

Anyone over the age of 18, who has got a smartphone and an european bank account

What do I need to get started with Dinube?

You only need a smartphone, an european bank account and a new account with Dinube.

Is it free to pay with Dinube?

Yes, it is totally free! Dinube doesn't charge any commision for payments

Which kind of user profiles does Dinube offers?

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Where does Dinube save my money?

In the bank account of our partner Ingenico, in the CBC bank of Belgium.
This bank belongs to one of the strongest financial groups in Belgium: KBC Group

Which kind of payments can I do with Dinube?

With Dinube you can:
1. Pay in-store
2. Pay P2P
3. Pay on-line

Can I make card payments with Dinube?

No, you can't, because it is one of the advantages Dinube offers you: the possibility to pay without the intermediation of Credit Card companies for your payments. To learn more click here
No, you can't, because it is one of the advantages Dinube offers you: the possibility to pay without the intermediation of Credit Card companies for your payments. To learn more click here

Where can I pay with Dinube?

To know which stores offer Dinube as payment network click here
To know which stores offer Dinube as payment network click here

How does Dinube make money?

Dinube obtains revenue from charging a flat fee to merchants for the use of the digital payment network and related services.


The sign up

I typed in my e-mail address incorrectly, what should I do?

If you entered the wrong e-mail address or wrote it incorrectly during sign-up, you will not be able to receive the verification e-mail. In that case, you will need to re-start the sign-up process from the beginning since none of your of your information will be stored until the process is complete.

I have not received the SMS validation code, what should I do?

On the second step in the sign up process, make sure you entered the right mobile number (+country code and mobile number) and then hit the button to “re-send validation code.” It may seem self-evident, but also check that you have good mobile network coverage.

I have not received the verification E-mail, what should I do?

First check your spam folder to make sure it did not end up in there. If you already tried that, it’s possible you may have typed your e-mail address incorrectly during sign-up. (This happens!) In which case you will need to repeat the first step of the signup process since none of your information will be stored until the process is complete.

Why is my mobile number needed to sign up for Dinube?

Dinube is a payment network that enables you to pay using your Smartphone. According to EU regulations, all payment services are required by law to have means of contacting the user.

How long does the signup take?

The signup takes just few minutes. You need to have with you your mobile phone, because we'll send you an SMS validation code.

Is it free to sign for Dinube?

Yes, indeed. Completely free!

How do I sign up for Dinube?

By clicking on the “Signup” button on the home page you will be taken to the sign up form. It’s free! Make sure you have your phone next to you because Dinube will send an SMS to validate your mobile. This way we know you are you, and not a machine.

What is the sign up process?


To create a new account with Dinube you need to follow 3 easy steps:

1. Download the Dinube free app from the Appstore or the Google Play
2. Click on "sign up now" and choose between the standard registration with your email or the quick sign up with your Google account
3. Log in to your new account and create the PIN number: you will need it to confirm payments

Now you have just to top up your account to get started.

NEW! Coming 2017 there will be many new features, currently in development.


Your Dinube account

How do I set the Budget tool limit?

From the app: go to "More / Settings / Change daily limit" On the the website my.dinube: go to "Account setup"

How do I cancel my account?

To cancel your account please send an email (from the same e-mail address you used to register with Dinube) to support (at) dinube (dot) com adding “Cancel account” in the subject line and your account will be closed.

Where can I find the Terms & Conditions of my Dinube account?

Click here to read the Terms & Condition of your Dinube account
Click here to read the Terms & Condition of your Dinube account

Can I change the mobile phone number linked to my Dinube account?

For security reasons and to prevent unauthorised access to your account, please send an email (from the same e-mail address you used to register with Dinube) to support (at) dinube (dot) com adding “change mobile number” in the subject line.

How can I change the PIN code?

From the App: go to MORE / SETTINGS / CHANGE PIN NUMBER
On the website my.dinube: go to ACCOUNT SETUP /UPDATE PIN NUMBER

How can I change the password?

From the App: go to MORE / SETTINGS / CHANGE PASSWORD
From the website my.dinube: go to ACCOUNT SETUP / UPDATE PASSWORD

I forgot my PIN code. What now?

You can recover the PIN number from the App as well as from the website my.dinube.com, going to MORE/SETTINGS/CHANGE PIN, taping on Forgot your PIN?


I have forgot my password, what should I do?

On the my.dinube.com webpage: click on RECOVER PASSWORD
From the App: click on RECOVER PASSWORD at the login page.

Is there a requirement to spend a minimum amount?

No. As a new Dinube customer, you will obtain a BASIC account which is completely free. For more info click here.

No. As a new Dinube customer, you will obtain a BASIC account which is completely free. For more info click here.

How can I withdraw money from my Dinube account?

To withdraw money from Dinube, log into my.dinube.com and click on “BALANCE” in the control panel. In the “Transfer amount to your bank account” section, enter the amount you wish to withdraw and (optionally) state why.

What is my user name?

You username is the mobile phone number you registered during signup.

How can I access to my account settings?

You can manage settings inside the Dinube app or by logging-in to the website my.dinube.com.


How to add funds

Is there a minimun top-up amount required?

No, there is no minimum amount to load your Dinube account.

Is there a fee to pay when adding or withdrawing funds with Dinube?

Since February 1st 2014, all bank transfers within the EU are considered to be “domestic” transactions and fall within the SEPA (Single European Payments Area) framework. Nevertheless, it is possible some banks may still not have updated their systems to comply with this regulation and you may be charged for an international transfer. If this is the case, you have the right to claim the fee from your bank.

How long does the top up take?

If you make the transfer in the morning, you have to wait 2 business days before to receive the money in your Dinube account.

Which banks works with Dinube?

You can add funds to your Dinube account from any bank in the Single European Payments Area (SEPA) and in Spain, fast-track payments are available from BBVA, CaixaBank, Santander, Banco Sabadell, Bankia, CatalunyaCaixa, Bankinter, Banco Popular and ING Direct.

How do I fund my Dinube account?


THERE ARE 3 WAYS TO TOP-UP YOUR ACCOUNT:

1. Make a bank transfer to the Dinube IBAN number. You can choose between a single transfer or a recurring transfer. Learn more

2. Sign the SEPA E-Mandate for automated recurring payments. Coming soon

3. Request money from another Dinube user (P2P). Learn more

3. Request money from another Dinube user (P2P). Learn more

We continue to work on improving the service so that in the immediate future, you will be able to make payments straight from your bank account.
Remember that from 1st February 2014, all transfers in the Eurozone are classed as “domestic” transfers."



The Dinube app

Is the Dinube app free?

Yes, it is completely free!

Which is the purpose of the app?

The app is the "mechanism" that Dinube uses in order to allow you to pay from your smartphone, as well as it works as a digital wallet and it

Can I instal the app on my android phone?

Yes, of course! You can download it from Google Play

Can I login into my account from another mobile phone?

Yes, of course! You can login into your Dinube account from whichever mobile phone.

Can I install the App in my iPhone?

Yes, of course! You can download it from the Apple store

How do I set up the fingerprint scanner to confirm payments?

In the “settings” menu in the app:
- If you have an iPhone: go to MORE/SETTINGS/ACTIVATE TOUCH ID
- If you have an Android: MORE/SETTINGS/FINGERPRINT SENSOR


Privacy

How do I activate the “Incognito” profile to pay?

When you power up the app to make a payment, you will be in “Incognito” mode by default. So long as you do not activate a loyalty card or personal offers, no personal information will be shared.

Which personal user information does dinube share with the merchant during the payment?

NOTHING. Paying with Dinube, if you don't use a loyalty card, means pay "anonimously": Dinube doesn't share any personal information with the merchant.

How does the Dinube anonymous profile work?

The “anonymous” profile protects your privacy, enabling you to pay without sharing any personal information with the merchant. This profiles works every time you pay with Dinube but when you select a loyalty card.

How does Dinube protect my privacy?

Dinube protects your privacy with the “anonymous” profile, that protects your identity when you do not wish share personal information with merchants


Security

What is tokenization?

Dinube was the first payment network to create digital “tokens,” essentially a code that represents a certain value. The code is generated by the user when a payment is initiated, however no personal information is given away. Unlike your credit card number, once a Dinube token has been used, it cannot be used again and Dinube also limits the validity of the token, making it much safer than a credit card.

If I lose my smartphone or it gets stolen, will a third-party be able to access my Dinube account?

We sincerely hope that never happens, but if it does, you can relax. If your phone’s screen was unlocked and the app was open at the time, you would still need the PIN and/or fingerprint scan to confirm any payment. Dinube does not know your PIN and only you have it. So keep your PIN safe at all times!

Does Dinube store my password or my PIN number?

No, Dinube doesn't store your credentials for security purposes. In case you forgot them you can recover them from the App and/or from the website

What should I do if my Smartphone has been lost or stolen?

Contact your mobile carrier’s customer care service so that they can block your smartphone. And send an email to support(at)dinube(dot)com so that Dinube can temporarily suspend your account until we are able to verify your identity and re-establish service.


About the company

Where is the Dinube head office located?

Dinube is located in the city of Barcelona, the Mobile World Capital.

How does Dinube make money?

Dinube obtains revenue from charging a flat fee to merchants for the use of the digital payment network and related services.


Pay with Dinube

¿Can I pay online with Dinube?

NWe are processing online yet. As soon as we are able to offer online payments too, you’ll be the first to know.

Where can I see the digital receipts of the purchases I made?

From the App: go to "history".
From the website my.dinube: go to "history"

How do I send money to my contacts?

To send money, login to the app and select “SEND.” You have two ways to do this, “Proximity payment” if the person is next to you or “remote” if this is not the case.

  • PROXIMITY: enter the amount to send and (optionally) the description or a note and hit “send.” You will see a QR code (and if enabled, the NFC symbol) The person next to you can scan or tap the code to collect the amount, which they will need to do from their Dinube App. Both users will receive confirmation, with a time stamp. This can be checked in the “history” function, where all receipts are stored.
  • REMOTE: from your contact list, select the person you wish to send money to or simply type in their mobile number (if they do not have a Dinube account, they will recieve a notification to open an account.) Enter the amount and (optionally, the description or a note) and hit “send.” Both users will receive confirmation, with a time stamp. This can be checked in the “history” function, where all receipts are stored.

What is tokenization?

Dinube was the first payment network to create digital “tokens,” essentially a code that represents a certain value. The code is generated by the user when a payment is initiated, however no personal information is given away. Unlike your credit card number, once a Dinube token has been used, it cannot be used again and Dinube also limits the validity of the token, making it much safer than a credit card.

How do I activate the “Incognito” profile to pay?

When you power up the app to make a payment, you will be in “Incognito” mode by default. So long as you do not activate a loyalty card or personal offers, no personal information will be shared.

Can I use someone else’s Smartphone to pay?

Of course, Dinube is a cloud-based solution which means you can log into your account, using your login credentials, from any Smartphone with the Dinube App installed. Once you complete the transaction, don’t forget to log out!

Does my Smartphone need to be NFC-enabled to make payments?

Dinube Works with all Android and iPhones, so NFC is not a requirement for in-store payments. However if your phone does have NFC, you will be able to use it in many locations. Dinube offers two alternatives to NFC payments: a QR code scanned from your screen or a short code that will be shown to the person at checkout.

¿En qué comercios puedo pagar con Dinube?

Para conocer los comercios que actualmente han integrado Dinube entre sus métodos de pago visita nuestra web
Para conocer los comercios que actualmente han integrado Dinube entre sus métodos de pago visita nuestra web

So how do I pay in a shop using Dinube?

There are different technologies out there! To make sure you can always pay with Dinube on your Smartphone, there are three different ways top ay:

  1. Contactless NFC (Android only, for now)
  2. QR code scan
  3. Shortcode number token

Any one of the three gets the job done. And you get a digital receipt in no time.

To learn more clic here

There are different technologies out there! To make sure you can always pay with Dinube on your Smartphone, there are three different ways top ay:

  1. Contactless NFC (Android only, for now)
  2. QR code scan
  3. Shortcode number token

Any one of the three gets the job done. And you get a digital receipt in no time.

To learn more clic here

Can I make contactless payments from my i-Phone?

Unfortunately not. Apple has locked the NFC contactless chip on your phone so currently, it is not possible to provide this service on i-Phones

How can I add a loyalty programme to my Dinube account?

En primer lugar ten presente que se podrán añadir las tarjetas y los programas de fidelización sólo de aquellos comercios que oferten Dinube como método de pago. Para conocer el listado completo clica aquí.
En primer lugar ten presente que se podrán añadir las tarjetas y los programas de fidelización sólo de aquellos comercios que oferten Dinube como método de pago. Para conocer el listado completo clica aquí. Para añadir una tarjeta de fidelización visita al comercio en cuestión y paga con ella por última vez: Dinune la digitalizará automáticamente.
To find out how to integrate Dinube in your store, please provide your contact details below to download the PDF with detailed information







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