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Key Features


TagPay offers a complete range of mobile financial services that work with any phone on the market.  TagPay creates an ecosystem that is secure, simple and fundamentaly inclusive.

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Key Features


TagPay offers a complete range of mobile financial services that work with any phone on the market.  TagPay creates an ecosystem that is secure, simple and fundamentaly inclusive.

 

TagPay is operator agnostic.

TagPay works with any phone on the market, be it a feature phone or a smartphone.

 

Customers can set up a platform and offer services to end-users without having to take into account what telecom operator they use. Thanks to TagPay's technology, telecom operators can use a TagPay platform to offer services to end-users who are not direct clients of their network.

 

TagPay creates strong ecosystems that are fundametally inclusive and adaptable.

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Platform Interface


The TagPay platform provides a versatile and adaptable service for end-users, agents and merchants, while providing high visibility for administrators.

Platform Interface


The TagPay platform provides a versatile and adaptable service for end-users, agents and merchants, while providing high visibility for administrators.

TagPay for the end-user

The end-user has access to mobile financial services on any feature phone and through the smartphone app.



The end-user can also access their account through the online portal.

To access the demo for the first time, please request a demo so that we can give you your access codes.

 

TagPay for the administrator

Administrators now benefit from a remodeled interface with TagPay v4.2

Global view of end-user activity

In the new interface, the administrator has can view an end-user's activity all in one place.

The administrator has visibility over the end-user's daily activities with the latest transactions. The administrator can also see the end-user's favorite agent and scanned ID papers. Furthermore, there is a record of the administrator's interactions with the end-user's account, with latest SMSs sent and the limits set for spending.

Reporting

There are customisable reports that can be filtered by theme of interest and exported to Microsoft Excel.

Cash flow overview

The administrator also has a global view of the cash flow in the system.

 

TagPay for the agents and merchants

The agents and merchants have their own interface to manage their activity.

They use the TP1600 application for secure authentication and payments with the end-users.



Viral Mobile Wallet adoption

Typically a customer goes to an agent of the service to open an account and provides their phone number, ID information and other details required by KYC regulations. Tagpay also includes a pre-registration module that allows customers to enroll themselves in the service or to be automatically enrolled when they receive funds sent by other users or an employer. TagPay allows the service operator to define which services are available, set transaction limits, perform velocity checking and manage other account settings.

 

All the KYC and AML procedures supported by TagPay are designed to be compliant with local regulations.

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Contactless Technology


TagPay's contactless technology enables strong authentication and secure payments with any phone.

Contactless Technology


TagPay's contactless technology enables strong authentication and secure payments with any phone.


Our Near Sound Data Transfer™ (NSDT™) technology turns any phone into a strong authentication and payment tool. The contactless signature is extremely user-friendly and enables a secure and seamless transaction experience at the point of sale.
— Hervé Manceron, Tagattitude COO


 

User Experience

With NSDT™, the end-user is in control of the transaction throughout the entire process: 

  • The merchant or agent enters the amount on a terminal device.
  • The end user enters their phone number and secret 4 digit pin.
  • The TagPay platform dials the phone.
  • The buyer takes the call and places the phone next to the terminal. Using NSDT™, a one time encrypted password is exchanged between the two devices and the transaction is complete.
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How NSDT works

By using the phone's microphone as a captor and the standard mobile network channel as a transporter, NSDT™ secures transactions between any phone and a variety of accepting devices. 

NSDT™ enables simple, secure, user-friendly transactions and authentication.

NSDT™ signal processing technology is the result of more than 7 years of intensive R&D efforts focusing on 4 fields:

  • Speed of communication and data compression
  • Cryptographic and security mechanisms
  • Error detection and correction algorithms
  • Acoustic optimisation and performance

NSDT™ is protected by a set of 35 international patents.


A Mobile Wallet linked to a phone number

The TagPay platform allows anyone with a cell phone to conveniently and securely store, send, and spend funds using a Mobile Wallet. Any phone in the world can be a Mobile Wallet. With this versatile mWallet, the end-user can easily pay bills, make purchases in stores and on the web, and transfer funds to others.

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Mobile Financial Services


TagPay's complete set of mobile financial services provides people at the bottom of the pyramid with high end financial tools.

Mobile Financial Services


TagPay's complete set of mobile financial services provides people at the bottom of the pyramid with high end financial tools.


TagPay offers a comprehensive and extremely secure set of mobile financial services that give end-users complete control over their money. With TagPay they can receive, send and spend money around the world, in seconds, using any mobile phone on the market.


Our goal is to deliver a Mobile Financial Service Platform with even better services than in the formal banking system. We want our customers to be able to provide a comprehensive and complete set of financial tools to those at the bottom of the pyramid and accompany them in their path towards financial maturity.
— Yves Eonnet, Tagattitude CEO
 

Transfers

Services: Customers can send money in many different ways, be it with cash or from their Mobile Wallet.

Wallet-to-Wallet money transfers

Cash-to-Wallet money transfers

When transferring cash to another individual, the recipient can now choose to leave it on his phone.

Goods and targeted remittance transfers

Technology: When making a transfer with an agent, the end-user signs with NSDT. It is also possible to use IVR, SMS and USSD channels for transfers without an agent.


 

Air Time Top-Up

Service: Customers can purchase airtime directly from their Mobile Wallet or with the help of an agent.

Partnerships: Telecom operators can partner with the TagPay administrator to offer their clients a simple way to top-up their airtime.

Set Up: Each telecom operator is registered on the platform. The platform's API connects to the telecom operator's airtime management back-office.

Technology: USSD, SMS and NSDT are used for this service.


 

Salary disbursment

Service: Customers can receive their salary directly on their mobile phone.

Partnership: Companies can partner with the TagPay administrator to send payroll to their employees.

Technology: USSD and SMS are used for this service.


 

Bill Payment

Service: Customers can pay their bills securely and conveniently, directly with their Mobile Wallet or by paying in cash with an agent.

Partnership: Each utility company is categorized by type (electricity, water).

Set Up: The TagPay platform connects to the billing back-office to verify reference numbers and authorize transactions.

Technology: For this service it is possible to use IVR, SMS and USSD channels.


 

Retail Transactions

Service: Customers can securely and conveniently pay in stores using their Mobile Wallets. Any cell phone can be used, no matter the telecom operator or type of phone.

Partnerships: Merchants can partner with the TagPay administrator to accept TagPay payments in their stores, offering their customers a convenient contactless payment experience that is extremely secure.

Set Up: The Merchant downloads the TP1600 application from Google Play or from the App Store, onto their phone, POS terminal, or android device.

Technology: NSDT is used for payments at the point of sale.


 

E-commerce

Service: Customers can pay online with their Mobile Wallet account. At checkout, the customer is redirected to the TagPay Online Payment System. The customer enters their phone number and secret code. TagPay verifies the information and calls the customer's cell phone for verification.  The customer takes the call and places his phone next to the computer screen. TagPay sends a NSDT one time passcode through the web page. Authentication and transaction are now complete.

Partnership: e-commerce companies can partner with the TagPay service provider to offer a secure and simple payment experience to their customers.

Set Up: TagPay includes a Prestashop payment module that allows any e-commerce website powered by Prestashop to accept payments online by incorporating the TagPay payment solution into their website.


 

ATM Withdrawal

Service: Customers can withdraw cash from their Mobile Wallet account at ATMs.

Partnership: The TagPay service provider, if not already a bank with a network of ATMs, must partner with a bank in order to offer ATM withdrawal to their clients.

Set Up: With a simple software installation, any ATM can provide quick and user-friendly mobile money cash withdrawals.

Technology: For smartphones with the TagPay app, a one time passcode is generated on the app that is then used to withdraw cash from the ATM. With a feature phone, USSD is used to generate the code. It is also possible to install a solution that works directly with NSDT and the ATM.

 


 

VouCHERS

Service: Customers can give and spend gift vouchers on the web or in a store. When spending the voucher, the recipient is invited to enter their phone number.

Partnership: Merchants can partner with the TagPay service provider to set up this service.

Technology: NSDT is used to authenticate the recipient when they redeem their gift.


 

MicROfinance Loans and Savings

TagPay brings security to microfinance transactions. User-friendly, voice-based services replace paperwork to make microfinance services more accessible and efficient.

Loan disbursement:

  • The loan recipient can go to a local MFI branch or to a partner merchant to withdraw the loan partially or in its entirety, using their mobile phone to sign for the withdrawal.
  • The beneficiary may also leave the loan on their account and pay for material directly with their cell phone.

Loan repayment:

  • The recipient can repay the loan by transferring funds to the MFI through a bank branch or affiliated merchant.
  • The recipient can repay the loan with their mobile phone using IVR, or by visiting an MFI agent and using their cell phone make the transaction.

Signature alternative:

TagPay can also be used as a "signature" for the MFI's microfinance operations. In this scenario, the loans are managed in cash, with cell phone signatures that accompany all transactions, enabling the MFI to have complete visibility on its operations in real time.


Mobile Financial Services empower the end-userS with tools that they did not have access to before.

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