Secure Payment Service Provider for PNG
KumulPay PSP enables businesses, government agencies, and financial institutions in Papua New Guinea to accept and process payments seamlessly. With support for BSP Pay, Visa, Mastercard, Mobile Money, and EFTPOS, KumulPay provides a secure, scalable, and compliant platform built to meet global payment standards while serving local needs.
What You Get
- Multi-Channel Payments: Accept BSP Pay, Visa, Mastercard, EFTPOS, Mobile Money, and QR payments.
- Secure Processing: PCI DSS certified, tokenization, encryption, and fraud monitoring.
- Merchant Dashboard: Real-time settlement, reporting, and transaction tracking.
- Seamless Integration: APIs and SDKs for e-commerce, ERP, MIS, and mobile apps.
- Scalable Infrastructure: Handles high transaction volumes for SMEs, enterprises, and government agencies.
- Compliance Ready: AML/CFT and KYC workflows to meet PNG and global financial regulations.
System Features
Omnichannel Payment Acceptance
- Card payments: Visa, Mastercard, and UnionPay support.
- Bank transfers: Direct integration with BSP and other PNG banks.
- Alternative payments: Mobile Money, QR codes, and USSD.
- EFTPOS support: Full compatibility with PNG bank EFTPOS terminals.
- Subscriptions: Recurring billing and installment payments.
Security & Fraud Prevention
- PCI DSS compliance: Adherence to the highest global security standards.
- Tokenization: Sensitive cardholder data replaced with secure tokens.
- Encryption: TLS 1.3, AES-256 encryption for all transactions.
- Fraud detection: AI-driven anomaly detection and rule-based monitoring.
- 3D Secure 2.0: Enhanced customer authentication for card transactions.
Merchant Portal & Reporting
- Real-time dashboard: Track sales, settlements, and refunds instantly.
- Custom reports: Generate daily, weekly, and monthly transaction reports.
- Settlement management: Automated reconciliation with banks.
- Dispute resolution: Manage chargebacks and refunds easily.
- Export options: PDF, Excel, and API-based data feeds.
Integration & APIs
- Developer-friendly APIs: RESTful APIs and SDKs for seamless integration.
- E-commerce ready: Plugins for WooCommerce, Magento, Shopify, and custom sites.
- ERP/MIS integration: Works with Wantok ERP, MIS, and custom business apps.
- Mobile SDKs: Ready-to-use Android and iOS SDKs for mobile payments.
- Sandbox environment: Test and deploy integrations with minimal risk.
Scalability & Performance
- Cloud-native platform: Deployed on AWS/Azure with microservices for high availability.
- Auto-scaling: Handles transaction spikes during peak business hours.
- Low latency: Optimized for fast approvals and settlements.
- High availability: 99.9% uptime SLA with failover and redundancy.
- Multi-tenant architecture: Supports banks, enterprises, and SMEs on one platform.
Compliance & Governance
- AML/CFT compliance: Anti-money laundering and counter-terrorism financing controls.
- KYC workflows: Identity verification and onboarding processes for customers.
- Regulatory reporting: Automated compliance reporting for financial regulators.
- Audit logs: Immutable records for all financial transactions.
- Governance: Built to align with PNG’s Central Bank and international financial regulations.
Power Your Business with KumulPay PSP
Accept payments securely and efficiently with KumulPay — the Payment Service Provider designed for Papua New Guinea. From SMEs to enterprises and government agencies, KumulPay gives you the tools to grow with confidence.
