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Unifying Digital Payments, Wallets and Reconciliation in Namibia

Creating operational visibility across an expanding payments ecosystem

Client

Namibian payments business

Delivered by

UNIPHI

Approach

Digital wallets, reconciliation and settlement

The challenge

  • As a Namibian payments business expanded its digital financial-service portfolio, transaction processing was becoming increasingly dependent on multiple systems, partners and settlement relationships.

  • Launching customer-facing payment services was only one part of the challenge.

  • The organisation also required stronger capabilities for transaction matching, reconciliation, settlement monitoring, exception management and operational reporting across different payment sources.

The operating model

UNIPHI provided a modular architecture combining digital wallet capabilities with a dedicated Reconciliation & Settlement platform.

Transactions generated through customer and business channels can be captured and processed through the digital platform while downstream financial records are independently reconciled against external sources.

Operations teams receive a structured workflow for identifying unmatched transactions, investigating exceptions and managing settlement.

UNIPHI platform capabilities

The solution includes:

  • Consumer and business wallets
  • Customer and merchant transaction services
  • Payment processing
  • Transaction ingestion
  • Multi-source reconciliation
  • Automated matching rules
  • Exception identification
  • Manual investigation workflows
  • Settlement calculation
  • Settlement reporting
  • Maker-checker controls
  • Audit trails
  • Operational dashboards
  • Partner and transaction reporting

Integration ecosystem

  • The architecture supports connectivity with external payment providers, banking systems, merchant platforms and settlement sources.
  • Files, APIs and transactional feeds can be ingested into the reconciliation layer and processed according to configurable business and matching rules.

Outcome

  • The platform established a stronger connection between customer-facing transaction processing and back-office financial control.
  • The business can introduce additional payment services while maintaining a structured operating model for reconciliation, settlement and exception management.
  • Payments create transactions. Reconciliation creates financial control. UNIPHI connects both.