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
Provides centralized management of user e‑wallets and linked accounts.
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
Automates settlements and distributes payments across multiple beneficiaries.
Key Features
- Automatic and manual settlement options.
- Multi‑beneficiary payment distribution.
- Predefined payment breakdown configurations.
- Auto‑VAT handling and reconciliation features.
Merchant & Administration Module
Enables full management of merchants, banks, users, and permissions.
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
Provides real‑time visibility and operational insights.
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
Ensures flexible and secure integration with external systems.
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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