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Connecting Merchant Payments and Digital Credit in Côte d'Ivoire

Turning merchant transaction flows into an automated loan-repayment ecosystem

Client

Banking institution

Delivered by

UNIPHI

Approach

Merchant payments and automated loan repayment

The challenge

  • A banking institution and mobile money ecosystem required a technology layer capable of connecting merchant lending with digital payment activity.

  • The requirement went beyond loan origination.

  • Once a merchant received financing, repayments needed to be coordinated with merchant transaction proceeds while correctly handling loan balances, deductions, refunds and loan-closure events.

  • This required banking and payment systems that were originally designed for different purposes to operate as part of a single lending journey.

The operating model

UNIPHI introduced an orchestration and middleware layer between the lender and payment ecosystem.

The platform coordinates loan information with merchant transaction activity and applies configured repayment rules to eligible payment proceeds.

Business events are exchanged between the banking environment, payment provider and lending platform without requiring either participant to replace its core systems.

UNIPHI platform capabilities

The architecture supports:

  • Merchant identification
  • Loan-account association
  • Loan status management
  • Configurable repayment rules
  • Transaction-level repayment processing
  • Repayment allocation
  • Refund handling
  • Loan-balance updates
  • Loan-closure workflows
  • Callbacks and event notifications
  • Exception handling
  • Reconciliation
  • Operational reporting
  • API orchestration

Integration ecosystem

  • The middleware connects the bank's lending environment with the mobile money/payment ecosystem through APIs and controlled business workflows.
  • Transaction events can trigger repayment processes while refund events, loan closures and other lifecycle changes are communicated across systems.

Outcome

  • The model connects credit and transaction activity into a coordinated digital lending ecosystem without requiring replacement of the participants' existing financial infrastructure.
  • It also demonstrates how UNIPHI can operate as an orchestration layer between banks, wallets and payment platforms.
  • Connect lending to commerce. Automate repayment. Keep existing core systems in place.