Application to Utilize HPC Resources
Introduction:
eSmart Services seeks to use the HPC to run its payment Gateway ,eSmart Pay
([Link] ) to provide reliable payment facility in order to ensure a smooth
end to end execution of trade transactions.
A Payment Gateway facilitates payment transactions by transferring information between a
payment portal or acquiring bank. The Payment Gateway may be provided by a bank to its
customers, but can also be provided by a specialized financial service provider or mobile service
integrator (mobile payments) as a separate service.
In order to achieve real time transactions processing to have world class service
delivery we require High Performance computing resources
The Payment Gateway has the following objectives:
1. Support traders eg Clearing agents, exporters or importers in making payments to
Government and other related services.
2. To integrate business Billing and ERP systems with a Payment Gateway for
purposes of receiving subscription and transaction fees .
3. To cater for bill payments via different methods /options (i.e., online payments,
card payments, mobile money, or cash etc.). The Payment platform support multiple
payment instruments including all bank payment instruments (including over the counter
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cash payments, Internet/online banking, mobile banking, mobile money, Merchant cards
credit and debit cards) and Wallet transactions.
4. Be integrated with Banks (including all Tier 1 banks) and at least two main mobile
payment solutions in the country with a plan to progressively integrate with all banks
and Microfinance institutions and with other mobile money solutions in the country.
5. Offer a facility to generate various reports using different criteria e.g. summary of
Merchant collections, summary of mode of payments collections; summary of
daily/monthly/yearly, detailed daily/monthly/yearly reports collections et cetera.
6. Provide a dash board for customers to monitor payments.
7. Have flexibility to cater for various customer requirements for receipt of monies into
their accounts e.g. T+0, T+1, T+2 et cetera. (real time)
8. Be flexible to allow for introduction of new criteria e.g. new permits to collect funds
under the same payment channels catered for in the solution.
9. Effective support to cater for any issues that may arise e.g. crediting of wrong accounts,
management of the integration to the payment gateway. The Payment Gateway should
have a 24/7 support centre to handle customer notifications/queries et cetera
Process Flow
The process entails the trader (clearing agents, exporters/importers) or client or merchant
initiating the payment process in the billing System and retrieving the respective
transaction/document for which payment must be made for. The Billing System will
generate an e-slip and submit it to the Payment Gateway for processing and payments/collection
of funds. The trader makes the payment through any of the modes supported.
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The diagram below indicates the process flow for payments to Governments and Businesses
with the Payment Gateway.
Process steps
P01: Create Accounts
Clearing agents, exporters or importers (referred to as trader) can log in to Billing systems
or ERP System.
P02: Select Permit Details
A permit application is created by selecting all the details for the permit like UCR, PGA, process,
type (permit or license etc.). Once the permit is submitted by the applicant a unique permit
reference number is generated. If there is a payment to be made application status will be
“Processing Fee Payment Due”.
P03: Initiate Payment
The trader retrieves the permit and initiates the payment process by clicking “Make Payment”.
The applicant needs to choose the preferred payment mode. The proposed payment modes
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include Cash, Bankers EFT, RTGS, Mobile Money Platform e.g. Ecoash, Telecash
,OneMoney Money, Debit/Credit Card and Online banking. Additional payment modes
may be proposed
The Billing System will generate the e-Slip and display it to the applicant to confirm. Once the
applicant confirms, the payment process is initiated in the payment gateway.
P04: Print e-Slip
The trader can print the e-Slip from the billing system. The print will be available anytime
and will show details of the transaction and the e-Slip reference number.
P05: Submit e-Slip to Payment Gateway
The Billing System will invoke a web service call to the Payment Gateway to submit the e-
Slip. The Payment Gateway acknowledges and registers the e-Slip.
P06: Make Payment
The trader makes payment using any of the supported modes of payment by accessing the
Payment Gateway or the participating banks portal or mobile money Platform.
P07: Payment Failure
After the payment is made by the trader, the Payment Gateway receives the payment status from
the connected banks system. If there is a failure in the payment, PG invokes a payment
confirmation web service hosted in billing System with payment error and reason.
P08: Payment Re-initiation
On receipt of the payment error, Billing System will update the status of the permit as
payment failed. A notification will be sent to the trader on the payment failure. eSmart will
enable applicant to re-initiate the payment with a new e-Slip or correct the error/amend the eSlip
and resubmit. The reason for failure will also be displayed to the applicant.
P09: Payment Successful
If the payment is successful, PG invokes a payment confirmation web service hosted in eSmart
system with payment success message. The trader will be notified of the success message.
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P10: Payment Status Updated
eSmart will update the status of the permit to “Paid” and the application will move to the next
stage
Billing system process flow
The below diagram shows how the eSmart Payment gate way will be integrated with
Clients billing systems.
Billing
Value Add
Module services
Paymen Eslips Payment
t informatio information
details n
Payment
platform:
Payment Gateway
1. Banks
2. Mobile
1. Payment
3. Internet
1.6.1 Process steps
P01: Account subscriptions payment fees process
Clearing agents, exporters, or importers (referred to as trader) can log in to Billing System.
System validates their subscription details, if they are due, an Eslip is generated which is sent
to payment gateway. The Trader pays the amount as per the Eslip using various channels
provided by the payment gateway. Payment gateway sends a payment acknowledgement message
to billing system after payment is received from trader
P01: UCR transaction Fee
Clearing agents, exporters, or importers (referred to as trader) can log in to a billing system and
create UCRs.
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The Billing System generates an invoice at the end of the month and send to Trader. The Trader
pays the amount as per the Eslip using various channels provided by the payment
gateway. Payment gateway sends a payment acknowledgement message to billing system after
payment is received from trader
Report Requirements
Our Payment Gateway has report generation capabilities to be accessed/shared to the clients
billing systems The system provides payment reports as required by different user profiles.
Thank you
