Xmpay 3.0

• Macro payment capabilities
• Micro payment capabilities
• Prepaid Top-up
• Support of multiple channels
• Support of payment over different external systems
• Customer data management
• Stored Value Account
• MNO data management
• Merchant data management
• Financial organization data management
• Simple and secure registration and activation
• Fraud and fault management
• Revenue clearing and settlement capabilities
• Comprehensive reporting
• WEB Administration
• Integration APIs
• Batch file interface for mass activation/deactivation of accounts
• High data security
• Access management with customizable users rights / roles
• Integrated module for SNMP monitoring (performance counters, traps)
• Integrated logging (audit, provisioning and error)

Various use cases

• Micro payment
• Macro payment
• m-Remittance - International fund transfer to migrant communities
• MicroBanking, Microfinance
• National Money Transfer
• Person to person micro payment
• Person to person macro payment
• Person to person recharging
• Recharging via POS – direct top-up
• Automatic Prescheduled Top-up (APT)
• Electronic Top-up via (WEB, SMS, USSD)
• Automatic prescheduled Top-up
• Mobile payment via bank account – untrusted domain
• Mobile payment via bank account – trusted domain
• Mobile payment – micro payment
• Mobile payment for Parking
• Mobile payment for Bills
• Mobile authorization for the WEB shopping
• Mobile payment from the Stored Value Account
• Internet time payment
• Pocket Money – parents to children