Digipay is a mobile money solution launched in 2019 by Peerbits, offering a range of financial services including mobile wallets, bill payments, and international remittance, serving non-banking financial institutions, banks, and telcos. With over 1.2 billion registered mobile money accounts and advanced features like white-labeling and customizable integrations, it aims to enhance the digital payment ecosystem while ensuring high security and scalability. The company emphasizes an agile implementation process tailored to client needs, providing efficient and innovative fintech solutions.

1. DG Bank’s Advanced
Mobile Money Solution

2. DIGIPAY.GURU
1.2M+
HOURS OF EFFORTS
100+
IN-HOUSE TALENT
600+
PROJECT DELIVERED
08
OUR PRESENCE
DigiPay began its journey in the year of 2019
under the umbrella of Peerbits, a leading mobile
application development company. DigiPay has
come up with several digital financial solutions
such as Mobile Money, Agency Banking,
Automated Fuel Solution, Parking Solution, etc.
DigiPay has earned its reputation as a technology
solution provider with a global market approach
for Fintech Solutions. DigiPay leverages
cutting-edge technologies to deliver superior
FinTech solutions that cater to Non-Banking
Financial Institutions, Enterprises, Banks, MNOs
and Telcos.

3. Monthly Active Account
300 million
Rgistered Mobile
Money Accounts
1.2bn
Mobile Money
Deployments
310
Processed Daily by The Mobile
Money Industry
500K+
A GLANCE OF MOBILE MONEY 2020
The Mobile Money industry has moved quickly while embracing disruption and working towards creating a digital
future. There are 310 mobile money services across 96 countries, bringing more people into the formal financial
ecosystem.
Source: https://www.gsma.com/sotir/

4. Comprehensive, Omni Channel White labelled Solution
• Readily available for omnichannel launch.
One Platform For All Your Digital Payment Needs
• Offers a wide range of payment and marketing solutions under one mobile interface.
Aligns MFS Service Providers and Users In A Collusive Ecosystem
• Synergizing customers, merchants, and service providers on one ecosystem
Micro Service-Based Modular Architecture
Agile and Flexible For Faster Deployment On Cloud Or On-premise
• Being cloud ready offers high TPS with a lower TCO and can be deployed faster
• The highest degree of flexibility and scalability with multi-thread nonblocking architecture
PRODUCT OVERVIEW
• No need for developing from scratch.
• Creative, unique offering for each customer based on their transactional behavior.

5. INDUSTRIES WE SERVE
Non-Banking Financial
Institutions
Banks Enterprises MNOs/Telcos
Our product caters to all the
Non-Banking Financial Institutions
with services such as Mobile wallets,
Top-Up & Bill payments, Money
transfers, E-KYC, Merchant payments,
E-Ticketing, Loyaly & Rewards, and
International Remittance.
We also assist enterprises and
established organizations with services
such as Mobile Wallet, Collection
Account, Disbursement Account, Bulk
Salary disbursement, Bulk Air time
disbursement, Sales collection, Vendor
Payments Enterprises.
Not just NBFI’ but to the main financial
services providers, Banks, are also our
esteemed customers for services
such as Mobile Wallet, Agency
Banking, Mobile Banking, Top-up & Bill
Payments, Merchant Payments, and
Loyalty & Rewards, E-KYC.
MNO’s and Telcos are also some of
our target audience with requirements
of services like Mobile Wallets, Top-Up
& Bill payments, P2P, G2P transfers,
international remittances, bulk air time
distribution, merchant payments,
E-KYC, Loyalty & Rewards.

6. ADVANCED RANGE OF FEATURES
Faster
time-to-market
• Core product available
• White labelled solution
• Exemplary Seamless Integrations
• Readily available Open APIs
Launch, Monetize &
Optimize New Services
• Monetize through Dynamic
Configurations
• Optimize System Performance
• Monitor through Dashboards
• Track all transactions
• Prevent Disasters Proactively
Facilitates
All
• Unbanked
• Banked
Extensive
Payment Solution
• Scan QR to Pay
• Tap & Pay (NFC)
• USSD Payments
• Remote Payments

7. KEY USE CASES FOR YOUR FINANCIAL SERVICES
Top-Up
• Airtime Top up
• Digital TV top up
• Metro Card top up
• Stored Value Card Top up
• Toll card/tag Top up
• Prepaid Eletricity
• Prepaid water
Bill Payments
• Power Bill Payments – Single stage
• Multi Stage bill payments
• Tax payments
• Gas Bill
• Water Bill
• Mobile Postpaid - Fee payments
• Landline bill payment
• Data card bill payment
• Broadband bill payment
• Insurance payments
Wallet Services
• Cash in - Cash Out
• P2P Transfer
• Sub Wallet Transfer
• Request money
• Transaction History
• Split bill payments
E-KYC
• SIM Card E-KYC
• Bank Account Opening
• NFC Tagging
• Service Activation
• Mobile Money Account Activation
International Remittance
• To Bank Account
• Via agent

8. KEY USE CASES FOR YOUR FINANCIAL SERVICES
Mobile Banking
• Wallet to Bank transfer
• Bank to Wallet transfer
• Debit card/ credit card to wallet
• Wallet to Debit /Credit card
• ATM withdrawal
• Micro Credit/Loans
• Inter-bank transfers
• Credit card payments
Merchant Payment
• Retail merchant payments
• Fuel payments
• Parking Payments
• Toll Payments
• Supermarket/ Grocery Payments
• Ride hailing payments
• Restaurants & Eateries payments
• Events Payments
• Movie Payments
• Online merchant payments
Enterprise Mobile Money
• Collection Account
• Disbursement Account
• Bulk Salary payments
• Bulk Subsidy distribution
• Bulk Airtime Distribution
• Sales cash collection
• Cash vendor payments
• MFI Loan disbursement
• MFI Loan collection
Loyalty & Rewards
• Power Bill Payments – Single stage
• Multi Stage bill payments
• Tax payments - Gas Bill - Water Bill
• Mobile Postpaid - Fee payments
• Landline bill payment
• Data card bill payment
• Broadband bill payment
• Insurance payments

9. LOGICAL ARCHITECTURE
ADD-ON
CORE PLATFORM
Wallet
Management
KYC
Management
Threshold
Management
Service
Management
Multiple
Currency
Security
Management
Integration
Layer
Commission
Management
Reconciliation
Management
Anti-Money Laundering
Trust Account
Management
Admin
Management
Customer
Management
Merchant
Management
Enterprise
Management
Bank
Management
Aggregator
Management
Location Based
Services
Dynamic
Dashboard
Campaign
Management
Reports
Loyalty & Rewards/
Gift Card / Coupon/
Voucher Mgmt.
BI Analytics
BI MANAGEMENT
ACCESS MANAGEMENT
CRM
Payment
Gateway /
EFT
Biller /
Aggregators
3rd Party
Coupon /
Voucher
Mgmt.
App
Portal SMS USSD API POS
Android
POS
M-POS
NFC
QR
Code
Biometrics

10. COMPLIANCE
Security Compliances
Audit Trails
Encryption Method - HMAC SHA 256
VPN & HTTPS - TLS 2,0
Access Security - AWS IAM Role
System Security - Private VPC, Security Groups,Secured Internal
Traffic, AWS WAF, DB in Private VPC
Application Security - Secured Preference

11. COMPLIANCE
Anti-money Laundering
Business Rule Manager
Transaction Rule Manager
Float Rule Manager

12. COMPLIANCE
PCI SSF
Protect the Integrity of the Platform
Maintain the Confidentiality of Sensitive Data
Eliminate the risk of unnecessary penalties and Data
Breach Complications

13. MICROSERVICE ARCHITECTURE
It divides the single application into a small set of services, out of which, each runs on its own but communicates with each other. Every service implements different
functionalities or features. Each service has its own mini application having its own hexagonal architecture.
Independently
Deployable
Independently
Scalable
Reduce Downtime
Through Fault Isolation
Easy Maintenance
And Deployment

14. IMPLEMENTATION
We follow the Agile methodology for improving the effectiveness of our software development team. It is an iterative process to approach project management and
software development.
PLAN DESIGN LAUNCH
DEVELO
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15. DEPLOYMENT
Our solutions are built based on the client needs and the country regulations and deployed on cloud, premises or through a hybrid approach.
Hybrid
On Cloud
On-Premises

16. WHY DGBANK?
White-Labelling &
Customization
Multi-currency &
Multi-tenant
Exemplary
Integrations (APIs)
Faster
Deployment
Lower TCO
Secure
Platform
Agile Implementation
Process

17. hello@digipay.guru hello@digipay.guru +91 9574 078295 www.digipay.guru