DigiPay.Guru Enhances eWallet Capabilities with Prepaid Cards, Multi-Level KYC, Corporate Bill Payments, and Smarter Administration

Digital payment platforms are becoming more sophisticated as financial institutions and businesses look for greater convenience, stronger controls, and more flexible ways to manage everyday financial activities.

Customers expect more services within the wallets they already use, while administrators need stronger tools to manage compliance, transactions, approvals, and operational processes efficiently.

At the same time, businesses need digital wallets that can support corporate payments, prepaid cards, differentiated KYC requirements, and controlled financial operations without creating unnecessary complexity.

To address these evolving requirements, DigiPay.Guru has introduced a new set of enhancements across its enterprise eWallet Solution as part of its May-June 2026 product updates.

These enhancements expand customer capabilities, strengthen KYC and internal controls, simplify administration, and provide greater flexibility across card management, vendor settlements, corporate payments, reporting, and onboarding.

Let's explore these new capabilities in detail.

New Capabilities in the DigiPay.Guru eWallet Solution

Here's a closer look at the latest enhancements designed to improve customer experience, compliance, operational efficiency, and platform administration.

1. Prepaid Card Integration

DigiPay.Guru now enables customers to request and manage prepaid cards directly from within the DigiPay wallet.

Customers can:

• Request physical or virtual prepaid cards

• Link cards to their DigiPay wallet

• Move funds between their wallet and prepaid card

• View card balances and transaction history

• Freeze a card

• Permanently block a card

• Report a lost or stolen card

The integrated card experience allows customers to manage their card-related activities without leaving the DigiPay application.

Customers can also select between physical and virtual cards depending on their spending requirements. The card dashboard provides a centralized view of balance, transactions, and available card actions.

Institutional Impact:

• Improves customer convenience

• Creates a unified wallet and card experience

• Enables faster wallet-to-card fund movement

• Supports both physical and virtual card use cases

• Provides customers with greater card control

2. Prepaid Card Assignment with KYC-Based Threshold Configuration

DigiPay.Guru now enables administrators to configure prepaid card transaction limits according to a customer's KYC level.

The enhancement allows administrators to:

• Set separate thresholds for No-KYC and Full-KYC customers

• Configure transaction limits from the Admin Panel

• Manage card assignment from a centralized inventory

• Track assigned, unassigned, and imported cards

This allows institutions to align prepaid card usage limits with the customer's verification level.

The configuration also includes KYC document requirements, allowing administrators to define document groups and document types for different verification levels.

Institutional Impact:

• Strengthens KYC-aligned controls

• Supports better risk management

• Enables flexible card transaction limits

• Simplifies prepaid card administration

• Provides greater control over card inventory

3. Vendor Partial Payout Option

Vendor settlements are not always required to be completed in a single payment.

DigiPay.Guru now allows administrators to settle vendor payments either fully or partially. Administrators can select transactions, review the vendor and company shares, choose full or partial settlement, and enter a specific payout amount.

For example, a business can settle part of a vendor's payable amount while holding the remaining amount for a later settlement.

Institutional Impact:

• Provides greater settlement flexibility

• Supports better cash-flow management

• Improves payment control

• Enables businesses to manage phased settlements

• Gives finance teams more control over vendor payouts

4. Transaction Code Statistics Report

DigiPay.Guru has introduced a dedicated Transaction Code Statistics Report that provides a consolidated view of transaction performance by product code.

The report provides:

• Transaction count by code

• Transaction amount

• Charges

• Commission

• Date-range-based reporting

• Exportable statistics

Instead of cross-referencing multiple transaction logs, finance and operations teams can use a single report to understand transaction volume, revenue, and costs across product codes.

Institutional Impact:

• Simplifies reconciliation

• Reduces manual reporting effort

• Improves transaction performance visibility

• Supports faster financial analysis

• Enables better-informed operational decisions

5. Bill Payment for Corporate Users

Corporate users can now pay utility bills directly from their corporate wallet.

The enhancement supports bill payment use cases including:

• Electricity

• Mobile recharge

• Insurance

• Other supported utility services

Corporate users can select a billing category, choose a provider, select a plan, review the amount and payment summary, and authorize the transaction using a secure PIN.

This brings business-related bill payments directly into the corporate wallet instead of requiring customers to use separate applications or processes.

Institutional Impact:

• Simplifies corporate utility payments

• Improves business-user convenience

• Consolidates expenses within one wallet

• Reduces dependency on separate bill-payment channels

• Creates a smoother corporate payment experience

6. Admin Panel Chatbot

DigiPay.Guru now includes a built-in chatbot within the Admin Panel to help administrators find information and navigate platform modules more easily.

Administrators can:

• Ask questions in plain language

• Receive instant answers

• Get guidance on relevant modules

• Follow guided navigation to the required screen

The chatbot is designed to reduce dependence on manual support and help administrators resolve common questions directly within the Admin Panel.

The workflow is simple: administrators ask a question, receive an explanation, and are directed to the relevant screen or setting.

Institutional Impact:

• Saves administrator time

• Improves daily productivity

• Reduces reliance on manual support

• Makes Admin Panel navigation easier

• Supports faster issue resolution

7. Maker-Checker Approval Workflow with Real-Time Notifications

DigiPay.Guru has enhanced its Maker-Checker approval process for sensitive customer requests.

Under the workflow:

1. A customer request is logged in the Maker's queue.

2. The Approver receives a real-time pop-up notification.

3. The Approver reviews and either approves or rejects the request.

The system also maintains an audit trail of Maker and Approver activity.

This creates a two-person control mechanism for sensitive activities such as business profile updates and other configured requests.

Institutional Impact:

• Strengthens internal controls

• Reduces the risk of errors or unauthorized changes

• Improves accountability

• Provides clear approval ownership

• Creates stronger audit visibility

8. Multi-Level KYC for Customers and Merchants

DigiPay.Guru has enhanced its KYC framework with a multi-level verification process for customers and merchants.

Users can now verify their identity according to their assigned verification level and upload the documents required for that level.

The enhancement includes:

• On-screen warnings against closing or minimizing the application during verification

• Configurable document upload attempts

• Clear visibility into remaining upload attempts

• Automatic fresh re-upload attempts when documents are rejected

• Multi-level KYC support for sub-merchants

These controls are designed to reduce failed or abandoned verification attempts while maintaining structured verification requirements.

OCR-Based Reattempt Controls

Each document can have a fixed number of upload attempts configured by the administrator.

After each attempt, users can see their remaining attempts and re-upload when attempts are available. If a document is later rejected by an administrator, the user receives a fresh set of attempts to submit the document again.

Merchant KYC

The multi-level verification flow also extends to sub-merchants.

If OCR succeeds, the sub-merchant can be created automatically. If OCR fails, the request can move into a Maker-Checker workflow for administrator review. Delegate merchants remain an exception because they are staff-only profiles and therefore skip the Multi-KYC process.

Institutional Impact:

• Strengthens KYC controls

• Enables more flexible verification journeys

• Reduces incomplete verification attempts

• Improves customer and merchant onboarding

• Supports structured risk-based verification

• Creates a more consistent onboarding experience

Why These Enhancements Matter for Modern Digital Payment Platforms?

As digital wallets evolve beyond basic money storage and transfers, financial institutions need platforms that can support a broader range of customer services while maintaining strong administrative and compliance controls.

The May-June 2026 enhancements extend DigiPay.Guru's capabilities across prepaid cards, KYC, corporate payments, vendor settlements, reporting, administration, and internal approvals.

Together, these capabilities help institutions provide more services through the wallet while giving administrators stronger control over how those services are managed.

The result is a more flexible digital payment environment where customer convenience and institutional control can work together.

Key Benefits for Financial Institutions

These May-June 2026 enhancements deliver improvements across customer experience, compliance, administration, reporting, and financial operations.

Enhanced Customer Experience

Prepaid card management and corporate bill payments bring more financial services directly into the DigiPay ecosystem, reducing the need for customers and businesses to switch between different applications.

Stronger KYC and Risk Controls

KYC-based prepaid card thresholds and multi-level customer and merchant verification provide institutions with greater control over how verification requirements and transaction limits are applied.

Better Internal Governance

Maker-Checker approval workflows create an additional layer of control for sensitive requests while providing a clear audit trail of administrative actions.

Greater Financial Flexibility

Partial vendor payouts allow businesses to control how and when vendor settlements are released, supporting more flexible financial operations.

Improved Reporting and Reconciliation

The Transaction Code Statistics Report provides consolidated visibility into transaction counts, amounts, charges, and commissions, helping finance and operations teams reduce manual reconciliation work.

More Efficient Administration

The Admin Panel chatbot helps administrators find information and navigate platform modules without relying entirely on manual support.

Conclusion

Digital payment platforms need to evolve alongside the expectations of customers, businesses, and financial institutions.

DigiPay.Guru's May-June 2026 eWallet enhancements help institutions:

• Deliver integrated prepaid card experiences

• Apply KYC-aligned transaction thresholds

• Improve vendor settlement flexibility

• Simplify transaction reporting

• Enable corporate bill payments

• Make Admin Panel navigation easier

• Strengthen Maker-Checker controls

• Improve customer and merchant KYC workflows

Together, these enhancements reinforce DigiPay.Guru's focus on building a flexible, secure, and enterprise-ready digital payments platform.

Whether you are expanding wallet services, introducing prepaid cards, improving KYC processes, or strengthening administrative governance, DigiPay.Guru provides the white-label infrastructure to help financial institutions deploy and manage digital payment services more efficiently.

Connect with our fintech experts to discover how the latest DigiPay.Guru enhancements can support your digital financial services strategy.