Digipay.guru Empowering fintech innovators
                     DigiPay.Guru
COMPANY PROFILE
2011 100+
EAR FOUNDED COMPANY  SIZE
08 India
PRESENCE EAD QUARTER
Industries We Serve
1.31 Billion CAGR of 26.93% 50%
People are projected to 
 Mobile payment use of American retailers 

use a mobile payment 
 set to rise between 
 plan to incorporate mobile 
app worldwide by 2023. 2020-2025 payment into their stores.
$128 Billion 70% 39%
for ecosted value of 
 of millennials use of U.S. consumers would 
in-store mobile payments mobile payment for use mobile payments 
in the US by 2021 rewards and  discounts. more frequently
Industries We Serve
Non-Banking Financial
 Banks Enterprises MNOs/Telcos
Institutions
Not just NBFI’s but to the main We also assist enterprises and MNO’s and Telcos are also 
Our product caters to all the financial services providers, established organizations with some of our target audience 
Non-Banking Financial Banks are also our esteemed services such as Mobile Wallet, with requirements of services 
Institutions with services such customers for services such as Collection Account, like Mobile Wallets, Top-Up & 
as Mobile wallets, Top-Up & Bill Mobile Wallet, Agency Banking, Disbursement Account, Bulk Bill payments, P2P, G2P 
payments, Money transfers, E- Mobile Banking, Top-up & Bill Salary disbursement, Bulk Air transfers, international 
KYC, Merchant payments, E- Payments, Merchant time disbursement, Sales remittances, bulk air time 
Ticketing, Loyalty & Rewards, Payments, and Loyalty & collection, Vendor Payments distribution, merchant 
and International Remittance. Rewards, E-KYC. Enterprises. payments, E-KYC, Loyalty & 
Rewards.
Logical Architecture
Portal App SMS USSD API POS
ACCESS MANAGEMENT
CORE PLATFORM ADD-ON BI MANAGEMENT Android
POS
Admin Customer Merchant Location Based Dynamic 
CRM Management Management Management Services Dashboard M-POS
Enterprise Bank Aggregator
Management Management Management Campaign
Payment Management
Reports
NFC
Gateway /
EFT Wallet Commission KYC Loyalty & Rewards/ 
Management Management Management Gift Card / Coupon/ BI Analytics
Voucher Mgmt. QR
Code
Biller / Anti-Money Laundering
Aggregators
Reconciliation Service Biometrics
Management Management Management
3rd Party
Coupon / 
Voucher Trust Account Multiple Security 
Mgmt. Management Currency Management
Integration Layer
Solution Uniqueness
Orchestrate Process Improve Optimize
Comprehensive, Omni Process transactions via any Boost your conversion rate Monitor, optimize and 
Channel White labelled payment method in any and eliminate payment automate your payment 
Solution currency friction operations
 Acquirer Card Stored card Real time dashboar
Payment method Alternative payment Pay by lin Payment acceptanc
E-KY method QR Code Payment cos
Biometric Loyalty points
 NFC Acquirer networ
Transaction routin RFI Payment method
International Remittance Installment Reconciliatio
Value-add services Recurrin Chargeback dispute
Currency conversio Customized Report
Fraud protection Threshold management
Features for Admin
 User Managemen
E-KYC Managemen
Threshold Managemen
User Profile Managemen
Settlements and Reconciliation
Transaction Histor
Loyalty & Reward Managemen
Language Managemen
Tree and Commission Managemen
Role & Permission Managemen
Rule Managemen
Reports & KPIs
Features for Consumers

 Self & Assisted Onboardin
E-KYC Verificatio
Cash I
Cash OU
P2P Transfer
Merchant Payment
Recharges & Utility Bill Payment
Loyalty & Reward
Referral Programme
Profile Management
Features for Merchants
 Self & Assisted Onboardin
E-KYC Verificatio
Store & Branch Managemen
Accept Payment
Settlement
Reports & KPIs
Features for Agents
 Self & Assisted Onboarding
E-KYC Verificatio
Consumer Onboardin
Merchant Onboardin
Cash IN for Consumer
Cash OUT for Consumer
Cash Transfers for Consumer
Settlement
Profile Managemen
Reports & KPIs
Compliance And Guidelines We Follow
We follow a set of rules, compliances, and guidelines to ensure the safety and security of the users.
Security Compliances AML PCI SSF Compliant
This compliance has been Anti-money Laundering Our solution protects the 
architectured to offer secure compliances are a set of integrity of the software and 
and reliable transaction regulations that financial the confidentiality of the 
processing to all the users and institutions follow for detecting sensitive information and user 
prevents spoofing or and preventing money data that it captures, stores, 
unauthorized access to the laundering or terrorist financing processes, and transmits.
system. activities.
Scalability For Your Needs
1     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.
2    Implementation
We follow the Agile methodology for improving the effectiveness 
of our software development team. It is an iterative process for 
project management and software development.
3    Deployment
Our solutions are built based on the client needs and the country 
regulations and deployed on cloud, premises or through a hybrid 
approach.
Why DGB Bank?
White-Labelling &
 Exemplary
 Lower TCO Agile Implementation

Customization Integrations (APIs) Process
Multi-currency &
 Faster
 Secure

Multi-tenant Deployment Platform
Our Engagement Model
CAPEX

Indefinitely use of the licensed software with ownership

Case Study About Us
DigiPay helped its client based in South Africa to come up with their own 
digital payment application. 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 estimated that the mobile payment industry in 
South Africa is expected to record a CAGR of 12.9 % by the year 2025 with 
an evaluation of US$ 29,424.4 million. This was one of the biggest 
motivation for our client to enter this industry.
Challenges
•	App size

•	Onboarding and KYC

•	Rest API security

•	QR scanner
Solution
•	Reduced app’s download size

•	Made the onboarding and KYC process easier

•	REST API security

•	Optimized QR scanner
Demo
Demo Feedback
Please contact the team to discuss queries and further discussion:
[email protected] [email protected] +91 9574 078295 www.digipay.guru