Payment Methods


The service consumer can use the e-wallet just like a wallet carrying a balance. The e-wallet has two parts. The smart card which carries the security information in an encrypted format and the account linked to the smart card in the database. The balance sum linked to the e-purse would expire after certain date if remains unused. This is to ensure that e-wallet is not misused and the system doesn’t have too many dormant accounts. This e-payment mechanism is most suitable for those who would frequently paying users. Whenever a transaction takes place, money is withdrawn from the account, linked to the e-wallet. When the balance is equal to zero in the e-purse, it must be replenished.

Smart Card

In this card the balance details along with the card holder’s details are stored in an encrypted format. This card can be read using POS machines, Kiosks Machines or using the Java Card Reader devices. When the balance is equal to zero in the card, it must be replenished.

Prepaid Card

The service consumer can use the prepaid card, which is a scratch card as payment method. The scratch area of the card would contain a set of pin numbers. The prepaid card can be used to make direct payments or recharge the e-wallet account, depending upon the operational business requirement. When the payment is done, the card becomes invalid.

Prepaid Voucher

Prepaid Voucher also known as e-voucher is similar to Prepaid Card in most of its functionalities with one additional feature. The e-voucher can itself be given as mode of payment for a transaction. The customer will be able to buy a voucher receipt from Kiosks or Service Centres of the trusted partner using the POS devices and their credit cards.

Credit/Debit Cards

The system will allow the service consumers to use their credit or debit cards to pay for services fees. The payment can be accepted using the POS devices or the card information can be posted through the portal.