DigiPay.guru is boosting the digital revolution by helping startups and enterprises to digitize their business with its top-notch digital payment solutions.

1. Product Overview

2. DigiPay began itsjourney in the yearof 2019under
the umbrella of Peerbits, aleading mobile
application development company. Digipay have
come up withseveraldigital financial solutionssuch
asmobile money, rewardprogram, Topup and bill
payment, International remittance, Merchant
solution, Microfinance,Agency banking, etc. DigiPay
alsooffers multiple servicesand functionalities on a
single platform.
DigiPay hasearned itsreputation asatechnology
solution provider withaglobal marketapproach for
Fintech Solutions. Weleverage cutting-edge
technologiesto deliver first-classFinTechsolutions
that caterto banks,fuel retailers, toll payment
industry, and variousother business enterprises.
COMPANYPROFILE
08
PRESENCE
100+
COMPANY SIZE
2011
YEARFOUNDED
Indi
a
HEADQUARTER

3. 300+
Number of Customers
USA
Colombia
Canada
Saudi Arabia
Egypt
France
Malaysia
Russia
Poland
UK
Australia
Nigeria
Uganda
UAE
India
Brazil

4. FinancialServices
Reaching at Wider Range ofFinancial Services
Banks Agents
Enterprises
Utility Providers Merchants Consumers

5. Convergen
Mobile Financial
mBanking
Agency Banking
Mobile Banking
TUB
Bill Payment
Top-up
mWallet
Money Transfer
Salary Disbursements
Remittance
mPurchase
mTicketing
Merchant Payments
Micro Finance
Micro Insurance

6. DigiPayOverview
Services
AccessModes/ Channels Devices Platforms
App
Web
POS
USSD
SMS
Domestic International
Feature/Basic Phone
Smart Phone
PC/Laptop/Tab
POS
Android
IOS
HTML
Bus
Train
Events
Flight
Movies
Airtime
DTH
Electricity
Mobile Data
Micro Finance
Merchan Payments
Lottery Fund Transfer
Bank Transfer
Bill Payments
Withdrawal
Alert & Notification
Account Statement
PIN management
Notifications
Fund Transfer
Cheque Request
Bill payments
mPayment mWallet mBanking
mTransfer mTicketing mT
opup

7. KYC
Management
Wallet
Profiling
User
Management
Alerts
andReports
Access
Management
Tax
Management
Threshold
Management
Float and Transactionbased rules
Charge andDiscount
Management
User
Onboarding
Wallet KeyFeatures

8. Self Registration BalanceEnquiry ChangePIN
Consumer Registration LastTransaction
Self care foreveryone
(Customer, Agent, CSR)

9. Comprehensive TopUp
and RechargeTool
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

10. Froman unregistered XXXMoney
userto another unregistered user
Fromaregistered XXXMoney userto
another registered XXXMoney user
Wallet
AnotherWallet
Wallet
Agent
Agen
t
Agent
Wallet
Float RuleManager Transaction RuleManager
Restrain float transfer in-out of MobiFin platform Restrain transaction control in-out ofMobiFin
Platform
Fromaregistered XXXMoney userto
another mobile operator’s wallet user
Fromaregistered XXXMoney userto
another registeredXXXMoney user
Fromaregistered XXXMoney userto an
unregistered user
Wallet
Wallet
Agent
Intelligent RemittanceHub

11. • International remittance-
USAto SL(daily transaction
limit: USD 250)
• International remittance-
UAEto SL(daily transaction
limit: USD 200)
• Daily sending limit (P2P
transfer) : LKR100
• Daily receiving limit (P2P
transfer) : LKR120
• Domesticremittance (transaction
limit: LKR200)
• International remittance
(transactionlimit: LKR250)
• Gold customer(maximum
transactionamount: LKR60)
• Silver customer(maximum
transactionamount: LKR50)
• USSD(daily no. of P2P
transfers: 10)
• J2ME(daily no. P2P
transfers: 15)
• Daily cash-out limit: LKR100
• Weeklycash-out limit: LKR700
• Monthly cash-out limit: LKR
3000
• Distributor (maximum
transactionamount: LKR2000)
• Retailer(maximumtransaction
amount: LKR1800)
Role
Channel
Time
Payee/
Payer
Classof
service
Location
T
ransactio
n
frequency
T
ransactio
n value
Threshol
d
policy
Service
Define transfer rulesand
limits to preventfraud

12. Cash in
• Through Mobile Money agents
•Enabled through MobiFin merchant/
agent management
• Through linked bank account
•Enabled through MobiFin bank
integra tion
Cash out
• Through Mobile Money agents
• Wallet to bank transfer
• Through A
TMterminals
• Through MobiFin A
TMintegration
• Through Money cashcard
• Through MobiFin walletmanagement
Cash In and CashOut
(Flexible last mile serviceoptions)

13. ServiceSlab based configuration
Support for fixed and percentage based incentive
Promotion on basisof Association
Rewardsdefinition and Management
Loyaltypoints account creation
Loyaltypoints redemption viamMoney, Airtime/Data
packs,GIFTSthrough redemption partners
Web interface for configuring redemption
Customer caseinterface for Supporting queries
Service Based
T
ransaction/Value
Based
Agent/Distributor
SalesforceAgent/
CSR
Customer
Promotions
Creation
and
Management
Loyalty
Forms
Loyalty &Promotions

14. Wallet Management
Stock Management
Subscriber Management
Partner Management
Channel Management
Tariff Management
Risk Management
Reconciliation & Settlement
BulkDisbursements

15. Product Creation TreeManager Sales Executive
Commission Matrix Denomination
and Pricing
Resellerand
Assistant
Configuration Management
(Boost Your Business With Digipay)

16. Omnichannel Delivery
Wallet Experience
End Consumer Experience
Wallet Func�onali�es
Payment
s
Smartphone
app (Android
and iOS)
Wallet
Registra�on
Fund
Transfer
Wallet to
Wallet
Wallet to Bank
Account
Know your
Customer
Loyalty
Offers
Wallet Top-
up
Browser
(PC and Mobile
based)
Online
Payment
s
U�lity bill
payment
s
Mobil
e
Top-up
In-store
Payment (QR
code)
HostIntegra�on
Framework
Wallet
value
store
CR
M
KYC
Engin
e
Func�onalityEnablers
Integra�on Layer -Omnichannel
Hub
Mobile Applica�on
Development
Pla�orm
Bill
Payment
s
Paymen
t
Gatewa
y
Physical
payment
s
Loyalty
Management
System
DigiPayArchitecture

17. SING UP
Applica�o
n
Security
Access
Security
System
Security
Audit
Trails
Encryp�o
n
Methods VPN& HTTPS
Login&
Password
Management
Key
Genera�on
for AppUsers
Highly SecuredFramework

18. Float RuleManager
BusinessRule Manager
Transac�onRule Manager
Anti Money Laundering(AML)

19. Client Testimonials
Powered by Digipay.guru
Software Reviewed by
HIGHESTRA
TED
DigiPay.Guruisthe finest service
provider for online fuel payments. Iam
extremelydelighted withtheir work
ethics and timely delivery.
My experience withDigiPayhasbeen
wonderful asthey have provided
top-notch quality serviceata
reasonable price. JonnyMoosa
NajirmanShrestha

20. CaseStudy 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�onfor 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 KYCprocesseasier
• RESTAPI security
• Op�mized QR scanner

21. CaseStudy 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 e-money, 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 2018-2025 in valueterms.
Challenges
• To ensure RESTAPI security
• Assure Android app security
• To achieve quick response �me
• Establish 100% server availability
Solu�on
• Provided digital signature with eachrequest
• Applied secure preferences and Pro-Guardrules
• Op�mized each query and cache databases
• Employed auto-scaling policy and framedrules

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