Building Block: Payments
Maturity: BETA
Payments logo.

Short Description: Implements financial transactions such as remittances, insurance claims, product purchases and payments of service fees, along with the logging of related transactional information. It also provides utilities for tracking costs and extracting audit trials.

Full Description: The payments ICT Building Blocks enables digital financial payments to be tracked, evaluated, initiated, validated, processed, logged, compared and verified against operating costs. This ICT Building Blocks also provides interoperability with connections to the various external applications that need payment services in order to trigger transitions in their own WorkFlow. Payment services generally interface through gateways to regulated financial entities such as banks, credit facilities and insurance companies. To help users easily complete payment transactions and learn if their transaction succeeded or failed, it converts heterogeneous interface protocols, formats and user interfaces to a standard set of common interfaces and formats. It can also help in tracking costs of commodity and equipment purchases to optimize budgets.

Other Names: E-payments, Mobile wallets, Digital payments

Key Digital Functionalities:

  • Allows users to seamlessly send money anywhere to other users or other service functionalities providers
  • Distributes social service transfers and cash safely to end users
  • Creates eVouchers to disburse financial subsidies in a controlled and safe manner
  • Provides and manages eWallets to conduct financial transactions using different payment methods, such as a mobile phone application
  • Offers the ability to cash-in and cash-out from eWallets in an easy and accessible manner
  • Responds to payers with confirmation of payment, insufficient balance or a mismatch in credentials, transfer failure, etc, based on status in the backend applications
  • Posts status of transactions with traceability information into transaction logs
  • Tracks due payment and sent payment notifications through alerting mechanisms, along with associated information
  • Receives triggers for payment collection, posts the amount with relevant disclaimers to payer and obtains payer approval
  • Securely posts the approval, user ID and associated payment information to appropriate backend (eg mobile, debit/credit card, Internet banking entities) of relevant financial applications from banks, employers, insurance; awaits transfer confirmation from those applications
  • Searches and provides a logged information-based query of other applications
  • Tracks, compares and reports the cost of products, services across vendors, and seasons and regions for optimizing expense budgets
  • Can be easily integrated with any app with simple coding
  • Able to operate in remote and inaccessible locations

Examples of use in different sectors:

  • Agriculture sector: 
    • Agriculture commodities marketplace – use online payment services to remit farmers’ payment for commodity spot sales
    • Mobile agri-insurance enables farmers to buy insurance cover for crops via mobile payment and receive insurance claims directly to their mobile wallet or linked bank account
  • Education sector: 
    • Payment for online course enrollment
    • Fee payment systems for primary and secondary schools, universities, and other learning institutions
    • Payment for downloading proprietary electronic publications
    • Bursary payments to students
  • Health sector: 
    • Payment during booking of services
    • Downloading of electronic publications
    • Insurance claim settlements
    • Purchase of medicines or food, etc


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