Electrum’s PayShap-Ready QR Code Issuing solution enables banks and payment providers to offer secure, interoperable QR-based payments aligned with South Africa’s PayShap instant payment scheme. It simplifies QR issuance, supports multiple payment flows, and ensures compliance with industry standards for fast, low-cost transactions.

Electrum’s Enterprise Payments Channel is a cloud-native solution that enables banks and large enterprises to manage high-volume, multi-channel payment transactions securely and efficiently. It provides a unified platform for routing, orchestration, and monitoring across diverse payment schemes, ensuring scalability, compliance, and real-time visibility.

Electrum’s Cash Voucher Issuing and Distribution solution enables banks to create, manage, and distribute secure cash vouchers for customers and merchants. It supports digital issuance, real-time validation, and multi-channel redemption, helping banks deliver flexible, cost-effective cash access services without relying on traditional infrastructure.

Electrum’s High-Volume POS Integrated VAS Services solution enables retailers and banks to deliver a wide range of value-added services—such as airtime, data bundles, bill payments, and ticketing—directly through POS systems. It ensures high availability, rapid transaction processing, and seamless integration for large-scale retail environments.

Electrum’s Retail Cash-In and Cash-Out Expansion solution enables banks and retailers to extend cash services beyond traditional branches and ATMs. It supports secure, real-time transactions through retail networks, offering customers convenient access to deposit and withdrawal services while reducing infrastructure costs.

This Electrum solution enables banks and retailers to rapidly expand value-added service offerings—such as airtime, data bundles, bill payments, lottery, and event tickets—across digital channels like mobile apps, web, POS, and USSD. It supports fast integration, high availability, and multi-provider routing for a comprehensive, always-on VAS marketplace.

Electrum’s Multi-Rail Cross-Border Payments solution enables banks and payment providers to process international transactions across multiple payment rails. It offers real-time and batch capabilities, advanced orchestration, and compliance features, ensuring fast, secure, and cost-effective cross-border payments with full transparency and scalability.

This cloud-native SaaS solution enables existing banks to modernise their clearing house payments infrastructure. It supports real-time and batch transaction processing, account verification, authenticated collections, and overlay orchestration, allowing seamless integration with core banking systems while reducing operational overhead and accelerating time-to-market.

Electrum’s PayShap for Retailers solution empowers merchants to accept instant payments through South Africa’s PayShap scheme. It provides secure, interoperable QR-based and proxy payments, enabling retailers to reduce cash handling, improve customer convenience, and integrate seamlessly with existing POS and payment systems.

Electrum’s High-Value Payments Modernisation solution enables banks to upgrade their high-value payment infrastructure with a cloud-native, secure, and scalable platform. It supports real-time and batch processing, advanced orchestration, and compliance with international standards, ensuring reliability and efficiency for critical transactions.

Electrum’s Cash Voucher Retail Expansion solution enables banks to extend cash voucher services into retail environments, providing customers with convenient access to secure cash redemption and issuance. It supports real-time validation, multi-channel integration, and scalable workflows, reducing infrastructure costs while improving customer reach.

This solution offers new and digital banks a ready-to-deploy, cloud-native clearing house payments platform. It supports real-time and batch transaction processing—including EFTs, RPP, RTC, AVS, and authenticated debit collections—enabling banks to go-live quickly with modern payment rails while seamlessly integrating with core banking systems.