Top-up

• Supports top-up of prepaid account and mobile wallet. Integrates with IN systems for prepaid top-up
• Top-up can be in the form of agent-assisted cash or debit from card or bank-account
• Kabira performs subscriber authentication, transaction validation and delivery, balance management, notification and transaction logging

Bill Payment

• Allows operators and service providers to offer bill payment service on behalf of utility or other organizations
• Bills can be paid from agent-assisted cash deposit or virtual wallet or from card or bank account
• Kabira handles the transaction delivery across multiple parties and systems to complete the payment authorization and settlement process

Mobile payment

• Supports various subscriber interaction channels such as SMS, USSD, IVR and Web/WAP
• Secured transaction delivery with PIN-block encryption
• Provides native five 9s (99.999%) availability for data, transactions and service

Mobile wallet

• Enables the implementation of a virtual wallet that can be tied to one or more accounts such as prepaid, cards or bank account
• Allows loading or withdrawal of cash to and from an account, perform payment or money transfer service against the money in the virtual wallet
• Performs balance management for the virtual wallet and provides policy management service against a subscriber’s profile associated with his/her wallet

Remittance

• Supports different transfer use cases such as cash-in / cash-out, account to account (e.g. card account to bank account) and mobile-wallet to mobile-wallet
• Enables the authorization of the payment transaction, perform risk management, fee calculation and subscriber notification and provides settlement support
• Integrates with 3rd party service providers to support regulatory compliance

Airtime transfer

• Enables transfer of airtime between subscribers, both domestic and international
• Supports various subscriber interaction channels such as SMS, USSD, IVR and Web/WAP
• Performs airtime balance management, fee calculation, unit conversion and integrates with IN and billing systems

Real-time offers

• Enables carriers to provide real-time offers based on mobile payment transactions
• Acts as a proxy for both the subscriber profiles and associated marketing databases to drive real-time offers
• Minimizes service impacts in delivering real-time offers because of Kabira’s ultra low-latency platform