AMWAL
AMWAL is a secure, PCI‑DSS‑compliant payment gateway platform developed by Tahaluf to enable organizations to accept, manage, and distribute digital payments efficiently across multiple channels. The platform supports web, mobile, kiosk, and point‑of‑sale payments, allowing merchants and government entities to process transactions using cards, e‑wallets, and bank accounts. AMWAL also provides advanced settlement, reconciliation, and multi‑beneficiary distribution capabilities, making it a complete end‑to‑end payment solution.
Payment Processing Module
Handles secure online and in‑person payment transactions across multiple channels and methods.
Key Features
- Accepts payments via web, mobile apps, kiosks, and POS.
- Supports Visa, MasterCard, and e‑wallet payments.
- Full and partial refunds (cards, e‑wallets, bank accounts, cheques).
- Payment reversal and recurring payment support.
e‑Wallet Management Module
Key Features
- Instant e‑wallet creation for users and sub‑accounts.
- Multiple wallets for multiple users.
- e‑Wallet top‑ups via bank accounts, kiosks, or cards.
- Wallet‑to‑bank account linkage for faster refunds and payouts.
Settlements & Distribution Module
Key Features
- Automatic and manual settlement options.
- Multi‑beneficiary payment distribution.
- Predefined payment breakdown configurations.
- Auto‑VAT handling and reconciliation features.
Merchant & Administration Module
Key Features
- Merchant and acquiring bank onboarding.
- User and role management with permissions.
- Configuration of payment methods, fees, and channels.
- Monitoring and auditing of all transactions.
Reporting, Dashboards & Reconciliation Module
Key Features
- Dynamic dashboards for transactions and settlements.
- Payment and error statistical reports.
- e‑Wallet balance and top‑up reports.
- Reconciliation, post‑settlement, and audit logs.
Integration & Deployment Module
Key Features
- Payment redirection option with AMWAL‑hosted pages.
- Embedded and customized payment forms.
- Service‑level system integration (APIs).
- Supports PCI‑DSS requirements for merchant environments.
Use Cases
Business Value
Reduced Operational Cost
Automates settlements, reconciliation, and distribution, lowering manual effort and transaction costs.
Improved Customer Satisfaction
Delivers a smooth checkout experience with faster payments, refunds, and recurring payment options.
Strong Governance & Transparency
Provides real‑time transaction processing, detailed logs, dashboards, and audit trails.
High Security & Compliance
Ensures secure transactions through PCI‑DSS compliance, encryption, fraud prevention, and monitoring.
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