Payments · Banks · Mobile moneyPayment Gateway Aggregator
An advanced, unified payment and collection solution for banks, payment gateways and mobile money providers.
A growing business cannot depend only on traditional modes such as card or cash. Digital payments create a record of every transaction and speed up settlement, and every business needs payment and collection options that suit its customers: bank collection, mobile money, cards, cash, bank transfers and newer mechanisms.
Our Payment Gateway Aggregator enables a rapid rollout of unified payment and collection through a proven, secure and scalable solution, suitable for Tier-1 financial institutions at country and regional scale. A single unified interface makes new channels quick to integrate, the platform is available in multiple languages, and it is already integrated with several national and international banks and mobile money providers. Its modular architecture follows industry security best practice, including with third-party systems.
Key features & benefits
- Scalable capacity and services that follow your growth roadmap
- Customisable dashboard and reports
- Maintenance and support for a long-term relationship
- Infrastructure and deployment for vendor independence
B2B · B2C · Bank-led & telco-ledMobile Wallet
Be future-ready with wallet payments from Supernet Technologies.
Our mobile wallet is a seamless payment solution for B2B and B2C customers, with strong compliance and security across multiple channels. We offer both bank-led and telco-led mobile wallet and mobile money solutions.
Key features & benefits
- Gateway to digital, cashless payment through a unified solution
- Self-care via web, mobile app and USSD
- Handles large traffic with zero system downtime
- Multiple wallet profiles with subscriber transfer
- Business rules for subscriber categories
- Integrated loyalty and rewards
- Secure storage of credit and debit cards
- Less fraud: wallets are harder to steal or duplicate than cards or cash
- Faster payments for high-volume businesses
- Customised offers sent directly to smartphones
- Transfer money to a wallet using a mobile number
- Load money from bank account, credit or debit card
- View financial transaction history
- Swift, secure integration with your existing mobile app
- Integration with PFM tools for financial advisory
- Top-up from the bank's ATM network or by wire transfer
- NFC payments on Android and QR payments
- P2P transfers between wallet users
- Instalment plans that convert any spend into a micro-loan
POS · Agent network · Offline & onlineCollection System IBPC
A POS-based Integrated Bill Payment and Collection system.
IBPC is an agent-based platform for bill payments and collections that extends your business and service reach and opens new business opportunities. We provide the roles, processes and models needed to run service outlets for your organisation.
Distribution agencies benefit from a single integrated POS-based B2B solution in which agents are the customer touchpoints. It can be configured for agent outlets, Business Correspondent outlets, bank branches, collection centres and retail outlets. An offline mode supports collecting loans, premiums, deposits and bills from remote customers without internet connectivity.
Key features & benefits
- One-point access: billers of every category on a single platform
- More footfall: agent institutions gain customers from bill payment business
- Easier complaint redressal: centralised complaint and settlement dispute management
- Revenue opportunities: more bill payment transactions across categories
- Offline & online modes: agent-assisted offline collection alongside POS-based online
DFS · NFC · Financial inclusionE-banking & M-Banking
Bringing the unbanked population into the digital banking world.
Mobility has transformed banking over the last decade. Customers can bank contactlessly through NFC-based digital banking without visiting a branch. Our platform lets banks and financial institutions offer Digital Financial Services (DFS) securely, with all gateway activity behind robust firewalls and 3DES and SHA encryption with secure TPIN/MPIN protecting data integrity.
It covers registration, balance enquiry, notifications, e-services, fund transfers and other payments from PCs, tablets and phones. Banks can rebrand it as their own on demand, or use it under the Supernet Technologies brand.
Key features
- Standard encryption algorithms: 3DES, SHA1, MD5, RSA
- Compatible with banking standards such as ISO 8583
- Fingerprint verification and transaction proof over Bluetooth
Benefits
- Reach the unbanked rural population and grow your customer base
- Supports digitisation of unbanked populations across regions
- Security systems and components remain under the bank's control
Branchless · Rural bankingSuper Agency Banking
Go branchless and expand your banking horizon.
Rural banking brings low-income and underserved people into mainstream banking. Many villages lack the infrastructure to run a branch, yet people there still need accounts to manage their savings.
Super Agency Banking takes the branch directly to customers. Agents use our application to open accounts for unbanked individuals and carry out banking functions at their doorstep. The solution is bank-integration ready, customisable on request and available for branding or co-branding.
Key features & benefits
- Mini statement and remittance (inter- and intra-bank)
- Fund transfer, utility payment, card and card-less transactions
- Loan repayment and collection
- Micro-insurance collection and payment
- School fee collection, tax collection and payment
AI engine · White-label · On-prem or cloudAuto Reconciliation Solution
Super Recon: an AI engine-based auto reconciliation solution.
Reconciliation is time-consuming and needs significant manual effort to stay error-free. Super Recon is a web-based B2B solution that automates reconciliation of payments and receipts, removes human error and produces reports and dashboards in less time.
It is configurable to each organisation's reconciliation requirements and business rules, available for white-label deployment on your premises, and handles large data volumes, identifying duplicate and missing records quickly.
Key features
- Automated AI-based reconciliation for business efficiency
- Input from CSV, text files, network interfaces or database access
- Custom dashboards and emailed reconciliation reports
- Infrastructure-agnostic: on-premises or cloud
SMS · Email · WhatsApp · USSD · PushSuper Unified Notification Channel
Multiple notification channels unified, with high concurrency and performance.
Banks need a robust notification system that alerts customers about transactions and events across the bank's business systems. Supernet's Unified Notification Channel (UNICH) is a one-stop solution for SMS, email, WhatsApp, USSD and push notifications, giving customers freedom to choose their channel.
Customers can also pull periodic balance reports, payment confirmations and balance enquiries. A rich rules engine makes the platform easy to customise, and concurrent message handling delivers high performance and availability.
Key features & benefits
- Business services on traditional (email, SMS) and new channels (social media)
- Unified channel on WhatsApp, SMS and USSD based on customer need
- Receipts, reminders, wishes and custom notes for engagement
- High-capacity, performance-oriented design
- Enable or disable each channel as required
