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Farooq

E-WALLET

wallet

Obulex E-wallet offers consumers the ability to make and receive payments using their mobile phones or any other internet enabled devices through a secure mobile wallet.

Consumers are always on a quest to make everyday tasks more convenient. Paired with their heavy reliance on technology, E-wallets are an ideal solution for streamlining payments functions.

E-wallet frees consumers from carrying cash everywhere they go. E-wallet enables merchants to bill customers wherever they are.

Obulex E-wallet is a solution designed to enable and enhance global and local business by providing:

  • P2P Transactions
  • C2B Transactions
  • B2B Transactions
  • B2C Transactions
  • Multiple Cash In Channels

  • Multiple Cash Out Channels

ENTITY TYPES

Obulex E-wallet can support an ecosystem with the following customer entity types:

  • Individual Customers
  • Corporate/Company customers
  • Agents
  • Utility Service Providers/Billers
  • Lending Merchants
entity-types
payment-channels
C2B PAYMENT CHANNELS

Obulex E-wallet is allows Merchants to do bill presentment and accept payments through:

Bill presentment

  • Email re-direct payment links
  • QR Codes

Payment Channels

  • NFC/POS Card Processing
  • EMV/POS Card Processing
  • Card Internet Acquiring
  • EFT Bank Wiring
BACK-OFFICE FEATURES
  • CRM/Customer Onboarding
    This involves registration of entities and KYC.
  • User Management
    User roles are created and assigned. Users can also be activated or deactivated.
  • Transactions Timeline
    This enables one to have a global view all transactions
  • Accounts Management
    This enables one to view all accounts and generate real time statements
  • Audit Trail
    All transactions in the system are tracked
  • Billing/Rate Card
    This enables one to set custom charges per transaction type and per merchant.

Obulex E-wallet allows the Payment Service Provider to:

  • Set custom merchant rate-cards for payments processing
    Charge by percentage fee
    Charge by flat rates
  • Set closed-loop sub-wallet transaction rates
    Create merchant dedicated sub-wallets
    Set dedicated rates for sub-wallets
  • Manage Merchants¬† other entity types
    View real-time statements
    Activate/Deactivate customers
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user-level-security
USER LEVEL SECURITY

User oriented security features include:

  • Two factor authentication for transactions and login
  • Freezing of dormant accounts
  • Renewal of user credentials after pre-defined periods
  • Geo-fencing of access based on registered location or reported location
DATA SECURITY

Data oriented security features include:

  • Database level Encryption
  • Real time replication of data
  • Automated Backups
data-security
transactional-security
TRANSACTIONAL SECURITY (AML & KYC)

Transactional oriented security features include:

  • Flagging off-pattern transactions
  • Maker checker approval process for corporate merchants
  • Limits for transaction values predefined by users
  • Limit of transactions from and to verified accounts (AML and KYC)
  • Security levels and limits based on geo-locations of users
OTHER FEATURES
  • Integration Ready to 3rd Party Merchant Apps
  • Bill in local currency
  • Portability
  • Multi-currency
  • APIs for billing & payment service
  • Create currency specific sub-wallets

The E-wallet can be implemented in phases. For more details on pricing or clarifications please contact us at info@obulexsolutions.com