Contact Us

Digitising Public-Sector Collections Through a Multi-Channel Payment Platform

Connecting citizens, employers, financial institutions and digital payment channels

Client

Public-sector institution

Delivered by

UNIPHI

Approach

Multi-channel digital payment platform

The challenge

  • A public-sector institution in West Africa required a digital payment architecture capable of simplifying how individuals and organisations make institutional payments.

  • The ecosystem involved multiple participant types and payment channels, including individuals, employers, banks and mobile money providers.

  • The challenge was not simply to provide an online payment screen. The institution needed an orchestration layer capable of connecting channels, payment providers, transaction processing, confirmation, reconciliation and reporting.

The operating model

UNIPHI designed a multi-channel payment-gateway architecture capable of supporting both individual and institutional payment journeys.

A payer initiates the transaction through the relevant digital channel.

UNIPHI orchestrates the payment to the appropriate payment provider, manages transaction status and confirmation, and provides the information required for downstream reconciliation and institutional reporting.

UNIPHI platform capabilities

The architecture supports:

  • Individual payment journeys
  • Employer and institutional payments
  • Mobile money payments
  • Card-payment integration
  • Bank-payment connectivity
  • Payment orchestration
  • Transaction routing
  • Status management
  • Payment confirmation
  • Notifications
  • Reconciliation
  • Settlement reporting
  • Operational dashboards
  • API integration
  • Audit trails and transaction history

Integration ecosystem

  • The payment layer can connect the institution with: Banks → Mobile Money Operators → Card Processors → Payment Networks → Government Systems → Enterprise Systems → Reporting Platforms
  • The institution therefore interacts with a unified payment layer rather than having to build and maintain separate logic for every payment provider.

Outcome

  • The architecture creates a common digital collection infrastructure through which additional payment providers and channels can be introduced progressively.
  • It provides the foundation for a more connected public-payment ecosystem while maintaining transaction traceability, reconciliation and operational control.
  • One payment layer connecting institutions, people and financial ecosystems.