Seamless Payments and

Smart Fraud Prevention

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ABOUT US

Vaulsys offers end-to -end payment solutions including applications and portals for
front end Channels, a flexible payment middleware to act as a connector, and a
powerful backend omni channel switch coupled with a smart Anti Fraud and AML
system.

Opportunities Scope Goal

Vaulsys, visualized a This defined our vision We aim at servicing

world of payments full of to build a technology each and every touch
unique challenges, powerhouse to cater to point where money
increased pressures, the needs of the could change hands
higher regulations and payments industry, physically, electronically
diverse customer enhance the businesses or virtually. Our goal is
preferences giving rise of Banks, Financial to make payments
to a whole set of new institutions and seamless and secure by
opportunities to improve Enterprises and in turn offering our solution
the very eco system of improve the lives of both on premises and in
payments. people. cloud
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VISION STRATEGY

Collaboration between
Established in the early a team of technical and
To provide seamless, 2017 headquartered in business professionals,
frictionless payment and Dubai Silicon Oasis, with vast experience
smart fraud solutions UAE. Operation and and skills in the
and services. development in Karachi, payments and banking
Pakistan. industry.

Become a one stop Develop open products

shop for all the payment to easily customize,
needs of any payment reduce time to market
facilitator, EMI, fintech, and reduce cost.
bank or a financial Develop customer
institution intimacy and perform
focused R&D.

MISSION COMPANY
PROFILE OUR TEAM
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Vaulsys Solutions
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Prepaid
Issue
QR Physical

Issue
Multi Currency Virtual
Instant or bulk, Card,
Wallet and QR Issuance

Wallet Debit

Credit
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Acquire POS QR

Instore

Acquire
Online, In-store and In-
app acquiring

Online In App
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Buy now pay later

Lend

Lend
Installments Microlend
Lending platform
including BNPL, Credit,
installments and
interest.

Credit Card
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Protect AML

STR/CTR

Fraud Management

Protect

Online Fraud detection

and KYC, and offline
AML and due diligence

Due Diligence
Name Screen
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Registration
Neo Bank
Banking E-Top Up

Neo Bank
Merchant Payments Branchless Banking,
Bill Pay
Digital A/C Opening,
Instant Pay, Low Cost
transactions & Simplest
Banking Experience.

Intl Remittance Bill Splits

Wallet Services
VAULSYS PRODUCT SUITE
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Vaulsys Product Suite

VaulPay – An Omni-channel payment platform

POS Controller
ATM Controller
Payment Gateway
Distributed Switching

VaulCard – Card Management System

VaulPurse – Mobile Financial Services

Mobile Application
Merchant/Agent portal

VaulGate – API gateway

VaulPi– Open API microservices

VaulGuard – AML and Fraud Management

There are many variations Company Profile

Architecture
Vaulsys Product
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VaulPurse - Mobile Solutions

Digital Banking/Neo Banking

iOS, Android

Proximity (QR and NFC)

Payments, rewards,
redemption through QR

MPOS
EMV, PCI certified
devices

EMIs, Fintechs, PayFacs

Payment application that works with a
proprietary wallet or cards
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VaulPurse Features (Digital & Neo Banking)

Registration E- Top Up Bill Pay Bill Splits

Onboarding Air Time Utilities Bill sharing
Biometric Transfer Taxes Crow
e-KYC Cards Tickets Funding
OTP Activation Agents Vouchers Donation
Stored Value Recurring Payment Gifts

Intl Remittance Merchant Banking

Wallet Services
Real Time Payments Digital Banking
Cash In Account Opening
Agent Based Retail
Cash Out Card Request
Integration QR
Wallet to Wallet ATM
With MSB Wallet to Wallet
Credit Application Loans
Integration With NFC
PIN Management Inter bank
MTOs
VaulGate- API Gateway

Mobile Application Microservice 1

VaulGate

API Gateway
Web Browser Microservice 2

VaulGate provides Microservice 3

• Security
• Authentication
• Authorization
• Latency
• Service Discovery Microservice N
• Response caching
• Retry policy/circuit breaker
• Rate Limiting
• Load balancing
• Lagging/tracking
• Query Transformation
• IP whitelisting
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VaulGuard- AML/Fraud Management

Vaulsys’s VaulGuard is an “omni-channel”

fraud prevention system that works in real-
time on all types of transactions coming
from different banking channels. VaulGuard
is built speci cally for the banking industry
by the people who know banking and have
been in the banking technology industry for
decades. This highly ef cient solution has
the capability to identify fraud and support
real-time anti-money laundering situations.
This solution is rule-based and can be
easily con gured by the end-user to detect
and block suspicious both in online/real-time
or in of ine mode.
fl
fi
fi
fi
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PCI PA-DSS Certified

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Our Partners
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Certifications
ISO 20022
ISO 20022 to modernise the operational processes and manage
the growing volume of complex data structures

ISO-native messages can contain more data than under

previous standards. By leveraging this additional data,
FIs can reach a higher standard of protection against
financial crime, AML and sanctions. Businesses can better
manage cash and liquidity risk through faster cash
application, and both corporations and FIs can predict
cash flows.

Vaulsys enables an FI to transform its legacy payment

system messages into an ISO 20022-specific message
format for the downstream system. This is almost a
prerequisite for many FIs to bridge the gap until they
have native ISO 20022 capability in their systems.
SWIFT and the use of ISO 20022 for remittance

With the migration to ISO

20022 financial messaging standard,
the world is moving toward a
standardized system of payment
messaging. ISO 20022, which SWIFT
will enable for cross-border payments
beginning August 2022, will
significantly benefit financial
institutions (FIs). These institutions’
journey to adoption may prove quite
challenging. To successfully implement
the new standard, FIs will need a
comprehensive solution for translation
between legacy message formats and
ISO 20022.
ISO 20022 Transaction Flow

VaulPay - Middleware

Acquiring
Core Banking

POS
POS

ISO 8583, ISO Standard API Security Protocols

20022 interface Interface
2 SWIFT
3
Mobile

Remote APIs REST/ Stored Procedure

7 Procedure calls SOAP calls 4
API Gateway

Remittance
Web Transaction Data Audit Logs Reports Mandates
1

5 6

Fintech 8

Wallet Management System Card Management System

VaulPurse VaulCard
Client References
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RAWBANK

Mobile wallet solution (IOS and Android app) POS Deployment

P2P/P2B/P2G 1000 POS terminals

International payments (Remittance) Card Acquiring (Visa/Mastercard/UnionPay)

QR payments Purchase

Bill Payments Reversal

Top up Cash out

Multi Lingual Cash In

Wallet to bank account and bank account to wallet transfer Mobile Wallet top up

Mobile wallet solution (IOS and Android app) ATM Migration

Online Payment Gateway Migration of ATMs from existing switch to Vaulsys

Merchant Payment plugins ATM switch

Merchant Portals Card Issuance

Integration with Network International for scheme card Virtual Card issuance of Master Card in App

processing
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RAWBANK

Winner of the best bank award in 2019,2020 and 2021

Winner of Euromoney Award 2021

2 million customers

Net Income $155 million

Total assets $1.67 Billion

The First Congo bank to reach 1 billion in deposits by 2015

Issuer and Acquirer of Master Card, Visa and Union Pay

More than 1600 employees

Rated by Moodys (B3)

ISO/IEC 20000, ISO 27001

PCI-DSS Certification
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NAYAPAY
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NAYAPAY

E-commerce solution
Online Payment Gateway

Integration with Card schemes processor MPGS

Merchant Management

Merchant portals

Merchant Plugins

AML and Fraud Management

Integration with Worldcheck

Customer on boarding screeing

Due diligence

Real time fraud detection based on Geo location, Transaction

elements, user profile and IP white listing

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NAYAPAY

POS Terminals
Linux POS

Android POS

Card Acquiring (Visa/Mastercard/UnionPay/JCB/PayPak)

Bill Payments on POS

Payment Via Nayapay wallet on POS

Reversals

Merchant Management

POS Terminals
EMV Paypak card issuance

EMV Visa Card Issuance

Visa security protocols implemented for random PAN

generation
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Faysal Bank

Under the Islamic Consumer Finance regime, Faysal Islamic

bank required the services of a Wakeel (Agent) to purchase,
take ownership and possession and redeem the units on
behalf of the customer. The Units of a selected Islamic funds
are generally managed by an asset management company or
an Islamic bank on deferred payments.

Vaulsys has built a wakeel (agent) system to accept and

redeem Islamic units on behalf of the customer of a bank or an
asset management company.
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KEENU

POS Deployment Mobile wallet solution (IOS and Android app)

2300 POS terminals 300,000 Users/wallets

Processing 12000 transaction a day on average 25,000 transactions processed daily

Card Acquiring (Visa/Mastercard/UnionPay) Send money P2P/P2B/P2G

Purchase Inter bank fund transfers through national switch

Reversal Bill Payments

Cash out Mobile Top Up

Cash In

Mobile Wallet top up

NFC Payments

Card Issuance

100,000 closed loop NFC Cards

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SENDER

Enabling closed loop QR payments at 2 of the

largest malls in Istanbul and Izmir

QR Payments

Card on file

View Transactions

Merchant Portal

Merchant onboarding
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SUKUNPAY UAE

Internet Payment Gateway

Online acquiring

Online payments with cards

Online payment with market existing wallets

Integration with Network International for card processing

Merchant Plugins

Merchant management

SukunPay Mobile App

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BAADMAY

Buy Now Pay later market place solution

Online acquiring

Online payments with cards

Online payment with market existing wallets

Integration with Payment gateway

Merchant Plugins

Merchant management

Mobile Application
Payment Apps
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PORTAL
Merchant
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PORTAL
Merchant
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PORTAL
Merchant
QR Payment
APPLICATION
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QR Payment
APPLICATION
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QR Payment
APPLICATION
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QR Payment
APPLICATION
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QR Payment
APPLICATION
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