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Comviva’s Mobiquity® Pay is a mature digital financial services platform that supports digital wallet use cases across various markets. It has been adopted by several banks, telecoms, and service providers to enable mobile money and digital payments at scale.

Known for its large-scale deployments and foundational infrastructure, Mobiquity® Pay offers core wallet functionalities and is typically suited for organizations looking for a stable, traditional approach to digital finance enablement. 

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DigiPay.Guru is a next-generation digital wallet solution engineered for modern fintechs, banks, NBFIs, neobanks, telcos, MTOs, and other financial businesses. With its modular architecture, API-first approach, and rapid deployment capability, it empowers businesses to quickly launch highly customized wallet solutions without compromising scalability or security.

Purpose-built for today’s fast-evolving financial landscape, DigiPay.Guru offers extensive support for open-loop and closed-loop models, agent banking, merchant acquiring, international remittance, eKYC, prepaid card management, loyalty programs, and more.

It’s the go-to platform for businesses seeking fintech agility, faster time-to-market, and global readiness, all in one place.

The features comparison: DigiPay.Guru vs. Comviva

Let’s break down the key features and see why more fintechs are choosing DigiPay.Guru.

Feature
Comviva
ArchitectureAPI-first, modular, microservices-based Microservices, modular, API-first
DeploymentOn-premise + Cloud-native (multi-tenant or dedicated)On-premise, private/public cloud
ScalabilityScalable for fintechs, banks, NBFCs, & telcosDesigned for telco-scale deployment
Integration SupportFlexible APIs for fintech, banking & agent networksDeep telco/payment integrations
KYC/AML IntegrationAvailable, configurableAvailable via APIs
Agent BankingCore moduleNot core
Cross-Border RemittanceIntegrated corridors & FX moduleLimited
Loyalty & RewardsCustomizable loyalty moduleAvailable via Comviva's MobiLytix
Offline ModeOptional offline transaction supportLimited
 
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Which Digital Wallet Solution Fits Your Audience Best?

Audience matters. Whether you’re scaling a fintech, supporting government services, or bridging gaps for the underbanked, see how DigiPay.Guru and Comviva meet your segment-specific demands.

Audience SegmentDigiPay.GuruComviva
Telcos✅ Supported ✅ Primary focus
Banks/NBFCs✅ Focused✅ Supported
Fintech Startups✅ Focus segment ✅ Less ideal (enterprise-heavy)
Governments✅ Potential use case ✅ Active deployments in Africa/Asia
Underbanked/Agent Network✅ Strong focus with agent banking & remittance✅ Indirect support

Platform Capabilities That Impact Your Go-to-Market Success

Speed, flexibility, and cost-efficiency are make-or-break in digital wallet deployment. Explore how DigiPay.Guru and Comviva differ across core platform capabilities that shape your time to market and scalability.

Capability DigiPay.GuruComviva
Custom Development SpeedFaster (flexible & agile team delivery)Depends on Comviva's roadmap
Cost of OwnershipLower, more accessible for startups & SMEs Enterprise orientation can add up costs
API EcosystemOpen API-first strategyClosed/Proprietary
White-Label ReadinessHigh (plug-and-play for different business cases)Medium
Time to Launch6–12 weeks possible6–12 months typical

Platform Strengths by What Matters Most

Each solution has its strengths. Whether you're building for telcos, startups, or the financially underserved, this snapshot reveals which platform leads in the areas that matter to you.

Criteria WinnerWhy
Enterprise-grade telco useComvivaBattle-tested for telcos at massive scale
Fintech agilityDigiPay.GuruModular, fast, and built for financial inclusion
Cost-efficiencyDigiPay.GuruMore value for money, faster time-to-market
Ecosystem opennessDigiPay.GuruAPI-first, open to 3rd-party ecosystems
Agent banking & remittanceDigiPay.GuruNative features for last-mile financial access

"Disclaimer: The information provided in this comparison table is based on our findings and may not be exhaustive or entirely accurate. We advise you to verify the information and consult with the software providers to confirm the features and benefits before making any business decisions."

What Our Clients Say After Switching to DigiPay.Guru

See how DigiPay.Guru has helped fast-moving financial institutions launch faster, scale smarter, and deliver modern wallet experiences their users love.

digiPay-client-testimonial
Quote

DigiPay.Guru team helped my team improve mobile money payments in South Africa. They are great to work with and delivered the best solution. We are really happy with the solution and would hire them again for our next project.

Exodus

Essa Tarawally

Operations Manager, Gambia

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Frequently asked questions

Switching to DigiPay.Guru is a streamlined process, backed by our migration toolkit, API mapping guides, and hands-on onboarding team. We support data migration, custom configurations, and sandbox testing to ensure your transition is smooth, secure, and disruption-free. Many of our clients have made the switch with minimal effort and immediate improvements.

DigiPay.Guru offers full white-label capabilities and deep customization across user interfaces, transaction flows, access roles, limits, and reporting. Whether you're launching a consumer wallet, agent network, or closed-loop system, the platform adapts to your exact business model with minimal development effort. We also offer a fully customized solution based on your business needs.

DigiPay.Guru follows enterprise-grade security protocols, including PCI DSS compliance, data encryption, role-based access control, and audit logging. It’s also GDPR-ready and built with privacy-by-design principles. While Comviva also maintains strong security standards, DigiPay.Guru offers fintech-specific security configurations and faster adaptability to evolving compliance needs.

While Comviva offers robust enterprise support, DigiPay.Guru provides fintech-specialized support with a dedicated team from onboarding through scale. Our clients benefit from 24/7 technical support, documentation, training resources, and priority assistance during key deployment stages. This ensures you’re never left on your own.

Yes. DigiPay.Guru is designed for global scalability, offering built-in support for multi-currency wallets, cross-border use cases, and localization needs. Whether you're targeting one country or multiple regions, the platform is ready to help you scale across borders with ease.

Yes. DigiPay.Guru is fully compliant with industry standards, including PCI DSS, GDPR, and local regulatory frameworks. The platform includes tools for AML, KYC, audit trails, and data protection. This gives you full confidence to operate in regulated financial environments.

DigiPay.Guru is purpose-built for modern fintechs, banks, and financial institutions that value speed, customization, and control. Its modular architecture, API-first design, and fast go-to-market capabilities make it ideal for teams seeking agility without sacrificing compliance or security. While Comviva is a respected platform, DigiPay.Guru offers greater flexibility and a more tailored experience for digital wallet innovation.

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2019

Founded in

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120+

In-house Tech experts

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15+

Country served

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100k+

Customers Achieved by our clients

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10+

Paytech leader partnerships

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8+

Fintech Platforms Introduced

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