Digital Payments

Digital ID Wallet

Extends physical IDs into a secure mobile credential, allowing citizens to share verified ID data with authorities like police or border control while retaining control over shared information.

Agency Banking

The Omni-channel Agent module streamlines agent management and transactions for banks and FSPs, supporting deposits, withdrawals, airtime, and payments across POS, USSD, and mobile apps.

Electronic Bill Payment & Presentment

X Infotech Omni-channel platform Bill payment module supports payment aggregator functionality for providing P2B, P2G payments, process payment transactions to the billers and billing aggregators.

Mobile Payments

X Infotech Omni-channel Switch module provides transaction switching capabilities between connected banks and parties for financial message processing. Financial messages can be processed over ISO8583 or ISO20022 protocol.

Tokenization

Tokenization will enable Bank Merchants to run electronic payment operations without handling raw card data by replacing sensitive payment data with a unique identifier (token) that cannot be mathematically reversed.

QR Code Payments

Enables merchant and customer adoption of QR-based payments, covering issuance of QR codes and Merchant IDs for C2B, C2G, P2P, and remittance transactions. Supports acceptance via mobile applications, SMS, and e-commerce platforms.

Payment Switch

Streamlines agent enrollment, management, and transactions for banks and FSPs, supporting deposits, withdrawals, airtime, and payments across POS, USSD, and mobile apps.

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