Extend Payment Infrastructure to the People Who Use It
Add accessible, conversational and multichannel payment journeys on top of interoperable payment infrastructure.
THE INDUSTRY OPPORTUNITY
Expanding the reach of instant payment systems
More Everyday Payment Use Cases
Extend instant payment capabilities into collections, transfers, and merchant payments that serve everyday needs.
Access Through Familiar Channels
Bring payment experiences into messaging, web, and other digital channels people already know and use.
Easier Ecosystem Participation
Help banks, fintechs, and other financial service providers introduce new services through flexible integrations with existing infrastructure.
Broader Financial Inclusion
Expand access to convenient digital payment experiences for more consumers, small businesses, and underserved communities.
How SocialCashier fits
An easy-to-access customer experience layer on top of interoperable infrastructure
The underlying national infrastructure handles interoperability and movement of funds. SocialCashier provides the customer-facing orchestration and access layer.
Users
Access channels
Orchestration layer
SocialCashier Interoperable Experience Layer
Connectivity
Interoperable Payment Infrastructure
SocialCashier does not operate a national switch or move funds. It helps participating institutions expose payment use cases.
Key journeys
Use cases on interoperable rails
Request-to-pay
Initiate payment requests that users approve with their own institution.
Account linking
Link accounts at participating DFSPs for repeat payments.
DFSP authentication
Users authenticate with their institution for each payment.
A2A payments
Account-to-account payments across participating institutions.
Merchant and bill payments
Pay merchants and bills through accessible channels.
Government payments
Support payments to and from public institutions where enabled.
Confirmations and receipts
Clear confirmations for every participant.
Cross-border use cases
Where supported by the scheme and participating institutions.
PAYMENT INTEROPERABILITY
Built for interoperable schemes
Validated through Mojaloop-based interoperability work and PISP-style payment flows. SocialCashier is designed to work alongside central banks, national switches, hub operators, DFSPs and development institutions, with engagements progressing in phases from institutional alignment to implementation readiness.
- PISP-style payment initiation
- Request-to-pay and account linking
- Hub and DFSP connectivity
- Phased institutional engagement
Channels
Relevant channels and payment methods
Outcomes
What the organization gains
Faster use-case delivery
Bring real payment journeys to market on existing infrastructure.
Broader digital access
Reach users through channels they already have.
Support for participants
Help institutions of every size offer interoperable payments.
Inclusion by design
Simple, guided journeys for consumers and small merchants.
Clear separation of roles
Infrastructure moves funds; SocialCashier delivers the experience.
Built around existing infrastructure
Works with the systems you use today
SocialCashier connects with the systems and providers you already use. It does not replace them, and it does not hold or settle customer funds.
Your Brand
The organization keeps control of the customer experience.
One Orchestration Layer
Connect channels, payment methods and providers through one payment environment.
AI-Guided Journeys
Use conversational guidance, reminders and institution-defined workflows where appropriate.
Build a Payment Experience Around Your Industry
Connect the channels your customers use with the infrastructure you already have. Tell us what you want to launch and we will get back to you.