DigiPay.Guru Launches New Admin & Operational Controls for Smarter eWallet Management

As eWallet ecosystems grow across customers, merchants, and agent networks, day-to-day operations become more complex.

Even in well-designed environments, real-world challenges are inevitable: settlement mismatches, transaction errors, operational discrepancies, and support-led adjustments that must be resolved quickly and correctly.

For financial institutions running regulated wallet programs, these issues can’t be handled through manual workarounds. They require controlled administrative actions, strict traceability, and security policies that can adapt based on transaction risk.

To strengthen the operational backbone of our eWallet solution, DigiPay.Guru has introduced two key admin and operational enhancements, designed to improve exception handling, reconciliation control, and risk-based transaction security.

Let’s explore what’s new and how these capabilities simplify exception handling while strengthening transaction security.

What’s New: Enhanced Admin & Operational Controls in DigiPay.Guru’s eWallet Solution

This product update introduces two powerful capabilities:

1. Dual Account Transaction Interface (Admin-Only Funds Transfer)

2. Transaction PIN Configuration (Admin & App Control)

Both features are built to support high-volume wallet ecosystems where operational governance is just as critical as user-facing convenience.

1) Dual Account Transaction Interface (Funds Transfer)

In large-scale wallet ecosystems, there are situations where funds need to be transferred between two end-user accounts. Not as a customer-driven feature, but as an admin-controlled operational action.

The Dual Account Transaction Interface is an admin-only tool that enables seamless transfers between two platform accounts to resolve operational exceptions while maintaining complete control and visibility.

Why was this needed?

Operational teams frequently encounter cases like:

• Resolving operational discrepancies during reconciliation

• Correcting transaction errors and mistaken postings

• Settling funds between merchants and agents

• Issuing compensatory payouts in validated scenarios

• Closing exception cases with controlled fund movement

Without a dedicated system capability, these cases often lead to dependency on manual adjustments, thereby increasing time-to-resolution and audit complexity.

What makes it enterprise-ready?

This interface is built for controlled execution:

• Admin-only access

• Secure transfer workflow

• Audit-tracked records for traceability and compliance review

In short, it enables faster exception handling without weakening governance.

2) Transaction PIN Configuration (Admin & App Control)

Wallet security should not be a single rigid rule applied to every transaction. Some transaction types carry higher risk, while others are low-risk and frequent, and banks/financial institutions need the ability to enforce risk-based controls.

With this update, DigiPay.Guru introduces Transaction PIN Configuration, which gives institutions flexible control over when a Transaction PIN is mandatory.

What’s configurable:

Admins can define, per product code, whether a Transaction PIN is required. This allows PIN enforcement policies to align with:

• Transaction type

• User profile (customer, agent, merchant)

• Risk level and fraud exposure

• Institutional security policies

Admin + App control (where applicable):

The configuration can be applied system-wide or updated individually from the admin panel and the user app

This ensures transaction-level security remains both customizable and scalable, especially when ecosystems expand across multiple roles and services.

Why These Admin & Operational Enhancements Matter

A strong wallet ecosystem is not defined only by features like onboarding, payments, or transfers. It’s also defined by how efficiently the platform supports:

• Operational corrections

• Settlement adjustments

• Internal exceptions

• Security enforcement across user roles

These updates directly improve the ability of regulated institutions to manage wallet operations with greater maturity.

How These Features Strengthen eWallet Operations

At scale, wallet operations need controlled tools for exception handling and risk-based security. Here’s how the new enhancements support both in practical workflows.

Dual Account Transaction Interface

1. Authorized admin selects source and destination wallet accounts

2. Transfer is initiated through an admin-only workflow

3. The activity is fully logged for audit and compliance traceability

4. Operational issues can be resolved faster and more consistently

Transaction PIN Configuration

1. Institution configures PIN requirement per product code

2. PIN rules are mapped to transaction type, user profile, or risk category

3. Policy can be rolled out system-wide or adjusted when needed

4. User experience remains smooth while high-risk activities stay protected

Key Benefits for Banks, Fintechs & Financial Institutions

The top benefits of these updates are:

Faster exception handling and reconciliation closure: Operational discrepancies can be resolved quickly without delays or support overload.

Stronger audit readiness: Admin-led fund movement is structured and traceable, thereby reducing compliance risk.

Better security governance through risk-based control: PIN enforcement can be tailored without making every transaction feel “heavy.”

Improved ecosystem reliability across agents, merchants, and customers: Settlement flows between merchants and agents become easier to manage and monitor.

Closing Thoughts

As wallet ecosystems scale, operational control becomes a competitive advantage. Institutions need platforms that not only enable transactions but also provide the tools to manage exceptions securely, enforce adaptable security, and operate with full governance.

With the introduction of the Dual Account Transaction Interface and Transaction PIN Configuration, DigiPay.Guru strengthens the operational foundation of its eWallet solution while helping institutions manage wallet ecosystems with greater confidence and control.

If you’d like to understand how these admin features fit into your wallet operations and compliance requirements, our team would be happy to walk you through the updated capabilities.