Why DivDat?
The DivDat Kiosk Network is not only easy, secure and convenient for customers, but provides critical accessibility to underserved segments of the population - the unbanked and underbanked. These groups rely on cash transactions and are aided by our local, fee-free Kiosk Payment Solution.
Approximately 9.0 million U.S. households, made up of 15.6 million adults and 7.6 million children, were unbanked in 2015.
“Unbanked,” meaning that no one in the household had a checking or savings account.
Approximately 24.5 million U.S. households, composed of 51.1 million adults and 16.3 million children, were underbanked in 2015.
"Underbanked" meaning that the household had an account at an insured institution but also obtained financial services and products outside of the banking system.
Source: 2015 FDIC National Survey of Unbanked and Underbanked Households
Customers 'love' the DivDat Kiosk Network
In conducting focus groups and deep-dive interviews with customers in this unique demographic, the DivDat Team learned a great deal. We have coined a term: Propensity to Pay℠ meaning, that the small percentage of customers that billers have difficulty reaching and collecting payments from. Now, if there was an easier, better or more convenient way to pay, would they? The answer is a resounding yes! Without divulging any client confidentiality, we can say it gets even better. We have empirical data that these same customers, using the DivDat Kiosk Network, are making payments in a timely manner and a slice of this unique sector, are actually making advance payments!
Bridge the gap from Billers to Consumers
From a customer or “payer” perspective the DivDat Kiosk Network is empowering and provides people with control over their budgets and in their words: “peace of mind” and “freedom” after they have paid on the kiosk. We do not exaggerate and offer no hyperbole in stating that the most common phrase we hear from actual kiosk users is: “we love it.” Love, a machine? Love a kiosk whose sole function is to pay utility bills and taxes? That is the DivDat difference. That’s the DivDat secret sauce in turning a kiosk machine into a device that people love using to pay essential bills.

Management Oversight
The DivDat Quality Program incorporates a robust and comprehensive management oversight for customer service and support.
This includes:
- 24/7 support hotline
- Daily operational review
- Weekly program operations status
- Network operations oversight
- Regular supplier reviews for network and data center, maintenance providers and cash-in-transit carriers.
Unique Online Dashboard
Our Kiosk Network makes it possible to quantitatively measure in a unique online dashboard:
- Kiosk performance and functionality in real time
- Any kiosk malfunction
- Cash levels in each Kiosk down to numbers of each denomination
- Kiosk usage by cash, check credit card
- Location and time of all payments
- Customer issues and resolution
- Armored car cash pick-ups
- Network Up Time
- Data Center Up Time
- Maintenance Response Times
- Call hold times
- Trending analysis for above
Security
DivDat’s Payment Gateway and network infrastructure is currently PCI DSS 3.2 Compliant. Sophisticated real-time validation of account numbers help to minimize errors. DivDat’s network infrastructure has been designed to support large-scale online merchants accessing banking profiles and document archives using 256bit TLS cipher suites in conjunction with SHA2 (2048bit or higher) certificates, which enables industry standard strong encryption for security.
DivDat adheres to national security standards such as:- Payment Card Industry Data Security Standards [PCI Compliance]
- PCI DSS v3.2 Audited and complaint
- National Institute of Standards and Technology [NIST]
- Open Web Application Security Project [OWASP]
- NACHA-The Electronic Payments Association [for ACH payments]