Product Overview
COMPANY PROFILE
DigiPay began its journey in the year of 2019 under the umbrella of Peerbits, a leading mobile application development company. Digipay have come up with several digital financial solutions such as mobile money, reward program, Top up and bill payment, International remittance, Merchant solution, Microfinance, Agency banking,
201 1 YEAR
100 + COMPANY
0 8 PRESENC
Indi a HEAD
FOUNDED
SIZE
etc. DigiPay also offers multiple services and functionalities on a single platform. DigiPay has earned its reputation as a technology solution provider with a global market approach for Fintech Solutions. We leverage cutting-edge technologies to deliver first-class FinTech solutions that cater to banks, fuel retailers, toll payment industry, and various other business enterprises.
E
QUARTER
Canada Franc Polane d UK Egyp t Nigeria
US A
Russi a
Saudi Arabia UA E
India
Uganda Colombia Brazi l
300+ Number of Customers
Malaysi a Australia
Financial Reaching at Wider Range of Financial Services Services
Bank s
Utility Providers
Enterprise s
Agent s
Merchant s
Consumer s
Convergen
Mobile Financial
mBanking
TUB
Agency Banking
Bill Payment
Mobile Banking
Top-up
mWallet
mPurchase
Money Transfer
mTicketing
Salary
Merchant Payments
Disbursements
Micro Finance
Remittance
Micro Insurance
DigiPay Overview Device
Access Modes/ Channels
Platform s
s
App
POS
Web
USS
Feature/Basic Phone
PC/Laptop/Tab
Android
POS
IOS
HTML
Smart Phone
D SMS
Services mTransfer Domestic
mTicketing
International
mTopup
Bus
Flight
Train
Movie
Event
s
Airtime DTH
Electricity Mobile Data
s mPayment mBanking Micro Finance
mWallet Lottery
Fund Transfer
Merchan Payments
Bank Transfer Payments
Bill
Withdrawal
Account
Fund Transfer
Alert & Notification
Statement PIN
Cheque
management
Request Bill
Notifications
payments
Wallet Key Features KYC Management
Alerts and Reports
Threshold Managemen t Float and Transaction
Wallet Profilin g
User Managemen t
Access Managemen t
Tax Managemen t
Charge and Discount Management
User Onboardin g
Self care for everyone (Customer, Agent, CSR) Self Registration
Balance Enquiry
Consumer Registration
Change PIN
Last Transaction
Comprehensive Top Up and Recharge Tool Retailer Recharge Bulk Recharge Bill Payments Utility Self Recharge Single PIN/PIN–Less Top Up Multiple PIN/PIN–Less Top Up EVD – Complete Bill Cycle Management Top Up via Banking Balance Transfer MNO Device and Network Independent
Intelligent Remittance Hub
Float Rule Manager Restrain float transfer in-out of MobiFin platform Platform From a registered XXX Money user to another mobile operator’s wallet user From a registered XXX Money user to another registered XXX Money user From a registered XXX Money user to an unregistered user
Transaction Rule Manager Restrain transaction control in-out of MobiFin
Wallet Another Wallet Wallet Walle t Walle t Agen t
Agen t Agen t Walle Agen t t
From an unregistered XXX Money user to another unregistered user From a registered XXX Money user to another registered XXX Money user
Define transfer rules and limits to prevent fraud • Domestic remittance (transaction limit: LKR 200) • International remittance (transaction limit: LKR
Servic e
250) • Daily sending limit (P2P transfer) : LKR 100 • Daily receiving limit
Paye
Transactio n frequency Threshol
e/
d
Payer
policy
(P2P transfer) : LKR • 120 International remittance USA to SL (daily transaction limit: USD 250) • International remittance UAE to SL (daily transaction limit: USD 200)
Locatio n
Transactio n value
• Gold customer (maximum transaction amount: LKR
Class of servic
60) • Silver customer (maximum transaction amount: LKR • Distributor 50) (maximum
e
transaction amount: LKR
Rol e
2000) • Retailer (maximum transaction amount: LKR • 1800) USSD (daily no. of
Channe l
P2P transfers : 10) • J2ME (daily no. P2P transfers : 15)
• Daily cash-out limit: LKR100
Tim e
• Weekly cash-out limit: LKR 700 • Monthly cash-out limit: LKR 3000
Cash In and Cash Out last mile service (Flexible options)
Cash in
Cash out
• Through Mobile Money agents
• Through Mobile Money agents
• Enabled through MobiFin merchant/ agent management
• Wallet to bank transfer • Through ATM terminals • Through MobiFin ATM integration
• Through linked bank account • Enabled through MobiFin bank integra tion
• Through Money cash card • Through MobiFin wallet management
Loyalty & Promotions
Support for fixed and percentage based incentive
Custome r
Promotion on basis of Association
Transaction/Valu e Based Salesforce Agent/ CSR
Promotions Creation and Management
Loyalty Forms
Service Based Agent/Distributor
Service Slab based configuration
Rewards definition and Management Loyalty points account creation Loyalty points redemption via mMoney, Airtime/Data packs, GIFTS through redemption partners Web interface for configuring redemption Customer case interface for Supporting queries
Bulk Disbursements
Wallet Management Stock Management Subscriber Management Partner Management Channel Management Tariff Management Risk Management Reconciliation &
Configuration Management (Boost Your Business With Digipay)
Product Creation
Commission Matrix
Tree Manager
Denominatio n and Pricing
Sales Executive
Reseller and Assistant
Omnichannel Delivery
Smartphone app (Android and iOS)
DigiPay Architecture Func�onality Enablers Browser (PC and Mobile based)
Wallet Experience End Consumer Experience Wallet Func�onali�es Payments Wallet Registra�on Wallet Topup
Fund Transfer
Online Paymen ts In-store Payment (QR code)
U�lity bill paymen ts Mobil e Topup
Wallet to Wallet
Know your Customer
Wallet to Bank Account
Loyalty Offers
Integra�on Layer Omnichannel Hub Mobile Applica�on Development Pla�orm
Bill Paymen ts
Loyalty Management System
Payme nt Gatew ay
Physic al paymen ts
Host Integra�on Framework Wallet value store
CR M
KYC Engin e
Highly Secured Framework System Securit y
Encryp� on Methods
Audi t Trails
Login & Password Managemen t
Access Securit y
SING UP
Applica� on Security
VPN & HTTPS
Key Genera�on for App Users
Anti Money Laundering (AML) Business Rule Manager Float Rule Manager Transac�on Rule Manager
Client Testimonials
HIGHEST RATED
Powered by Digipay.guru
Software Reviewed by
My experience with DigiPay has been wonderful as they have provided top-notch quality service at a reasonable price.
DigiPay.Guru is the finest service provider for online fuel payments. I am extremely delighted with their work ethics and timely delivery.
Jonny Moosa
Najirman Shrestha
Case Study
About Us • DigiPay helped its client based in South Africa to come up with their own digital payment applica�on. In recent years, the mobile payment industry in South Africa has boomed.Cryptography and has strength of 2048 bits. According to a study, it’s es�mated that the mobile payment industry in South Africa is expected to record a CAGR of 12.9 % by the year 2025 with an evalua�on of US$ 29,424.4 million. This was one of the biggest mo�va�on for our client to enter this industry.
Challenges • App size • Onboarding and KYC • Rest API security • QR scanner
Solu�on •Reduced app’s download size •Made the onboarding and KYC process easier •REST API security •Op�mized QR scanner
Case Study
About Us • We recently helped one of our clients which is a FinTech start-up company that was established in early 2019 in BGC, Taguig. They wanted to start their business in emoney, electronic payment, financial services, and all other related businesses. As per a report, the mobile payment industry in the Philippines is es�mated to record a CAGR of 24.1% by the year 2025 with a total evalua�on of US$ 19,816.4 million. Similarly, the mobile wallet payment segment will increase at CAGR of 24.2% during the phase of 20182025 in value terms.
Challenges •To ensure REST API security •Assure Android app security •To achieve quick response �me •Establish 100% server availability
Solu�on •Provided digital signature with each request •Applied secure preferences and Pro-Guard rules •Op�mized each query and cache databases •Employed auto-scaling policy and framed rules
Contact Us
hello@digipay .guru
hello@digipay .guru
+91 9574 078295
www.digipay.guru