Key Features

Payment integration

• Native support for major e-money providers in emerging economies
• Integration with BEAC/GIMAC network
• Dedicated standalone microservice for each connector
• Health reporting for each connector

Funds settlement module

• Features for management of settlement accounts, public holidays, and fund settlement strategy
• Generation and transmission of payment instructions

Automated settlement reconciliation

• Allows automatic reconciliation of bank statements

Commission management

• Allows operational administrators to configure commissions and service fees
• Automatic distribution of collected commissions

Information and reporting services

• Comprehensive web-based admin back office
• Over 15 standard reports, including transactions, revenue, fees, and more
• Reports exportable in CSV and XLS formats
• Personalised reports addition upon request
• Various specific reports (payment transactions by status, customer, service type, organisation, and more)
• Audit log and event log reports with over 100 different event types

Notification and alert services

• Supports multiple notification events, such as email, SMS and web calls
• Integrates with external notification services via REST, SOAP or SMPP protocols

Application clients

• Several clients are available for agents, administrators, and external users
• Dedicated customer payment page
• Integration layer with internal payment processors and external systems

Security measures

• Security in the application layer, mobile layer, server-side, transport layer, and infrastructure
• Fraud detection and prevention with an active intrusion detection team

Performance indicator

• Provides reference implementations with estimates for successful transactions.

Benefits

• Increased efficiency: Smartcash supports the digital transformation of key processes, such as the dematerialisation of cash payments and meter readings, offering faster, error-free transactions.
• Safe digital payments: Eliminate the need to deal with physical money, cheques, and invoices. Reduce the risk of theft or loss at the collection points and ensure all payments are fast, secure, and traceable.
• Local and expert support: Maviance’s robust presence in local markets and expertise in delivering tailored African solutions guarantee top-tier support for its clientele.
• Branding and integration: This fully white-labelled product supports rapid integration with other systems and payment providers, offering businesses flexibility in connecting the internal organisation and agencies.
• Security and monitoring: Equipped with strong security measures and a dedicated fraud detection and prevention system, Smartcash supports its clients in processing safe and accurate transactions.
• User and operation management: Detailed user and authorisation management, including customisable roles and permissions, allows management to control who has access to what functions, protecting users and minimising the risk of errors.
• Proven track record: Smartcash has been successfully deployed in esteemed companies like Eneo and SABC.

Benefits for customers

• Benefits for customers: From mobile money to online banking, users have an array of payment methods to choose from.
• Excellent user experience: A dedicated customer payment page facilitates easy transactions with multi-channel support for transactions.
• Quick communication: Notifications are issued immediately once a payment’s status has changed.
• Security and trust: Smartcash’s robust security measures ensure transaction safety, with fraud detection mechanisms protecting customer data.
• Control of their money: Users can easily search for the items they want to pay for, with all information provided before they make a payment.