Real-time funds transparency for customer accounts.
Keep customer funds separated
When it comes to holding your customers’ funds, there’s no room for error. Keep track of each customer’s current balance and transactions in and out of your product or service, with clear transaction history and traceability.
- Track and manage customer virtual accounts or individual transactions
- Display available funds in real time, and easily generate ledger reports
- Manage account funding and payouts
- Offer greater security of funds
- Compatible with Monoova’s automated reconciliation
- Connected via API
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Greater tracking and transparency.
Put a face to the name
Record transactions in and payments out against customer IDs and virtual accounts with consolidated transaction histories. Perfect for account funding and payouts, displaying real-time available funds, creating account statements, and generating ledger reports.
Multiple payment types with one API
Account funding available via:
- PayTo
- Direct Credit
- Osko
- RTGS and IMT
- Payments between Monoova accounts and other ledger accounts
Payouts available via:
- BPAY
- Direct Credit
- NPP payments directed to to a bank account or PayID
- External direct debits via third party
- Other Monoova accounts or ledger accounts
API-enabled payments.
Speed up systems and processes
How much time is your team spending manually compiling reports, tracking down specific transaction details, assessing cashflow, and managing customer accounts?
Increase the capacity of your team with Monoova Ledger and API. Automate the legwork, and get straight to addressing the work that needs to be done, whether that’s mitigating risks, speaking to customers, or simply getting an overview of the status of your payments.
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Manage customer funds securely
Customers create accounts
Your customers create an account with you, which may include a digital wallet on your platform.
Customers are assigned virtual accounts
Using Monoova, assign a virtual account to customers. Additional PayID assignments are also available.
Funds are reconciled against customer IDs
Customers fund their accounts using their preferred method, e.g. PayID.
Customer funds are digitally segregated
Monoova segregates funds according to customer, and automatically reconciles this.
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Complete the payment experience.
Payouts
Ensure your customers are satisfied at all points in the payment experience. From a smooth account funding flow to withdrawing their funds, every payment touchpoint contributes to customer satisfaction and happiness.
End on a high – payout directly from the ledger account itself, transact via the NPP for real-time funds transfers, and update the customer’s account in your platform to reflect an accurate balance of available funds.
More ways to make money move®
PayID
Direct funds more securely.
Automatic Reconciliation
Reconcile all payments in and out, in real time.
Card Payments
Accept online card payments.