Your product factory from day one. Configure and launch any account or lending product—without being boxed into modules. Payflo Core gives you real‑time processing, smart product templates, flexible pricing, and complete lifecycle management for both retail and business banking.
Accounts & Deposits
- Personal deposits: Savings, fixed/flexible term, savings plans, Stokvel, Shariah‑compliant savings.
- Business deposits: Savings and term products for SMEs and corporates.
- Stored‑value: Wallets and prepaid accounts for cards or super‑apps.
- Personal & business current accounts: Full transactional capabilities, local and cross‑border transfers, card linking.
- Merchant accounts: Acquiring, e‑commerce and POS settlement, payouts, and reconciliation.
Islamic Banking (optional module)
- Deposit accounts: Mudarabah, Wakalah, Wadiah, Qard Hassan with automated profit allocation.
- Financing: Tawarruq‑based structures and Shariah‑aligned BNPL.
- Independent profit‑sharing module that can operate natively or alongside other cores.
Run it your way
- SaaS: Faster time‑to‑benefit, auto‑upgrades, elastic scale, and lower TCO.
- Private cloud / On‑prem: Data residency control and tailored performance for regulated environments.
Integration & extensibility
- Open APIs for channels, payments, and back‑office.
- Unified reconciliation across rails and vendors.
- Analytics‑ready data for risk, ops, and growth teams.