DigiPay.Guru Strengthens Compliance, Settlement Governance, and Platform Administration with New eWallet Enhancements

Digital payment platforms must continuously evolve to meet growing demands for compliance, operational efficiency, and customer accessibility.

As financial institutions expand their digital services, they require stronger governance over settlements, better visibility into operational performance, and flexible administrative controls that can adapt to changing business requirements.

At the same time, regulators continue to place greater emphasis on customer verification, transaction accountability, and audit readiness.

To help financial institutions address these evolving needs, DigiPay.Guru has introduced a comprehensive set of platform enhancements across compliance, settlements, administration, integrations, and customer experience in its enterprise eWallet Solution February-March 2026 release.

These updates are designed to improve platform governance, simplify administration, strengthen security, and provide greater operational visibility across the digital payments ecosystem.

Let's explore these new capabilities in detail.

New Capabilities in the DigiPay.Guru eWallet Solution

Here's a closer look at the latest features introduced to improve compliance, operational control, and platform flexibility.

1. Agent Analytics Report

DigiPay.Guru now provides a comprehensive Agent Analytics Report that offers a consolidated view of agent performance across the platform.

The report includes:

• Agent onboarding performance

• Customer and merchant acquisition statistics

• Customer and merchant retention metrics

• Regional, commune, and zone-level reporting

• Complete agent reporting hierarchy

• Custom date-range filtering

Institutional Impact:

• Improves agent performance monitoring

• Enables data-driven business decisions

• Simplifies regional performance analysis

• Supports optimized field operations

2. Enhanced USSD Configuration

The platform now introduces a dedicated USSD Configuration module that allows administrators to configure, manage, and monitor USSD services from the Admin Panel.

The enhancement supports:

• USSD operator management

• Menu and screen configuration

• Live USSD session simulation

• Session monitoring

• Request log management

• Session-level troubleshooting

Institutional Impact:

• Expands financial services to users without internet access

• Simplifies USSD deployment and maintenance

• Improves service reliability

• Enhances customer accessibility

3. Enhanced Settlement Approval Workflow

Settlement requests initiated from the Agent App now follow a structured Maker-Checker approval workflow before funds are released.

Additionally, checkers can now select the bank account from which settlement funds will be debited during validation.

The enhancement includes:

• Multi-level settlement approvals

• Bank account selection during validation

• Improved settlement governance

• Complete audit visibility

Institutional Impact:

• Strengthens financial controls

• Reduces operational risk

• Improves accountability

• Enhances settlement accuracy

4. KYC Compliance Enhancements

DigiPay.Guru has introduced new compliance controls to strengthen customer verification and regulatory adherence.

KYC Expiration Report

The platform now records both KYC issuance and expiration dates while providing administrators with a dedicated report for expired KYC records.

Withdrawal Restriction Without Valid KYC

Administrators can configure withdrawal restrictions for customers, agents, and merchants once their KYC validity period expires.

Institutional Impact:

• Improves regulatory compliance

• Simplifies re-KYC management

• Prevents transactions from unverified users

• Strengthens risk management

5. Flexible Charge Configuration

Transaction charge management is now more configurable across different user categories.

The platform now allows administrators to:

• Enable or disable charges by user type

• Configure sender or receiver charge responsibility

• Apply profile-level charge settings

Institutional Impact:

• Supports flexible pricing models

• Improves product customization

• Simplifies charge management

• Enhances business flexibility

6. Login PIN Reset Approval Workflow

To improve account security, PIN reset requests now follow a configurable Maker-Checker approval process.

The enhancement supports:

• Multi-level approval workflows

• Configurable authorization rules

• Secure PIN reset processing

• Complete audit tracking

Institutional Impact:

• Reduces fraud risks

• Improves account security

• Strengthens administrative controls

• Supports compliance requirements

7. Middleware SDK for Biller Integrations

DigiPay.Guru now enables administrators to issue SDK credentials that allow clients to build and manage biller integrations independently.

The capability includes:

• SDK code generation

• Independent client integrations

• Reduced implementation effort

• Faster onboarding for new billers

Institutional Impact:

• Accelerates partner integrations

• Reduces development dependency

• Improves scalability

• Supports ecosystem expansion

8. WhatsApp Voice Notes

Building upon DigiPay.Guru's existing WhatsApp capabilities, the platform now supports voice note communication.

Administrators can configure the feature directly from the Back Office.

The enhancement enables:

• Voice-based customer communication

• Back Office configuration

• Voice message management

• Improved customer accessibility

Institutional Impact:

• Enhances customer engagement

• Improves communication accessibility

• Expands digital service channels

• Creates a more personalized support experience

9. Bulk Device Management

DigiPay.Guru introduces a new Bulk Device Management module that simplifies administration of registered devices.

The module provides:

• Bulk activation and deactivation

• Automated device management rules

• Advanced filtering and search

• Execution history

• Comprehensive audit logs

Institutional Impact:

• Simplifies device administration

• Improves operational efficiency

• Strengthens governance

• Supports compliance audits

Why These Enhancements Matter for Modern Payment Platforms?

As digital payment ecosystems become more sophisticated, financial institutions require platforms that combine operational flexibility with strong governance and regulatory compliance.

These enhancements help institutions:

• Strengthen settlement controls

• Improve KYC compliance

• Expand customer accessibility

• Enhance administrative efficiency

• Simplify partner integrations

• Improve operational visibility

Together, these capabilities enable institutions to operate more securely while delivering a better experience for customers, merchants, and agents.

Key Benefits for Financial Institutions

These February-March 2026 enhancements deliver measurable improvements across compliance, administration, security, and customer service.

Stronger Compliance and Governance

Enhanced KYC controls, withdrawal restrictions, and Maker-Checker workflows improve regulatory readiness and reduce operational risk.

Better Operational Visibility

Agent Analytics, USSD session monitoring, and audit logs provide deeper insight into platform performance.

Improved Platform Flexibility

Dynamic charge configurations, SDK-based integrations, and configurable USSD services allow institutions to adapt quickly to changing business needs.

Enhanced Customer Experience

Offline USSD services and WhatsApp voice communication improve accessibility and expand customer engagement channels.

Simplified Administration

Bulk device management and automated workflows reduce manual effort while improving platform governance.

Conclusion

As financial institutions continue to scale their digital services, success depends on platforms that combine compliance, operational efficiency, and flexibility.

DigiPay.Guru's February-March 2026 enhancements help organizations:

• Strengthen compliance and customer verification

• Improve settlement governance

• Simplify platform administration

• Expand customer access through USSD and WhatsApp

• Accelerate partner integrations

• Enhance operational visibility

These updates further reinforce DigiPay.Guru's position as a secure, scalable, and enterprise-ready digital payments platform built for banks, fintechs, telecom operators, payment providers, and financial institutions worldwide.

Whether you are modernizing your digital banking services or expanding your payment ecosystem, DigiPay.Guru provides the white-label infrastructure needed to deploy faster, manage operations efficiently, and scale confidently across markets.

Connect with our fintech experts to discover how these latest platform enhancements can support your digital financial services strategy.