Bank partnership for digital payments inside the Ps-Mall ecosystem
Issuer-led model focused on trust, controls, and scalable adoption.
Ps-Mall connects payments with real daily commerce, delivery operations, and an agent network. The goal is practical adoption and reduced reliance on cash through an acceptance network of merchants.
We welcome a technical and operational workshop to align on the model and start a pilot that can scale.
Open WhatsAppOperational flow
A compact sequence from onboarding to settlement.
Why now?
A payment product succeeds when it is tied to daily usage. Ps-Mall does that by making payments part of shopping, wholesale restocking, delivery, and agent services.
- Payments are tied to daily shopping and merchant operations.
- Merchants can reuse balances inside the ecosystem instead of cashing out immediately.
- Agents provide controlled cash gateways when needed.
What we bring
A ready operating network that connects market actors end-to-end.
- Retail merchants + wholesale market within the merchant dashboard.
- Courier operations, drivers, tracking, and pickup/drop-off points.
- In-store POS linked directly to the wallet.
- Agent network for cash in/out under defined policies.
Partnership responsibilities
Clear responsibilities to anchor trust and control risk.
- Hold the segregated reserve backing customer balances.
- Approve verification policies, limits, and handling of suspicious cases.
- Approve the settlement method and schedule.
- Operate apps and the acceptance network.
- Run day-to-day operations and provide periodic reporting.
- Operate the agent network under approved policies and liquidity rules.
- Provide first-line operational support for users and merchants.
Value for the bank
What does the bank gain?
- Rapid adoption through daily usage in commerce and logistics.
- Growth in digital payment activity through a wide acceptance network.
- Scalable operational revenue tied to merchant payments and services.
- Faster growth without credit exposure; risks are operational and policy-driven.
Trust & controls
Operational controls that protect users and the bank.
- Segregation of customer funds via a dedicated reserve account.
- Clear transaction records suitable for audit and review.
- Defined limits and operational monitoring for anomalies.
- Clear dispute and complaint workflows.
Practical pilot plan
A practical plan that starts small and scales after measurement.
One area + limited merchants and agents for 8–12 weeks.
Measure active wallets, volume, cash-out ratio, disputes, then adjust policies.
Expand to new areas and sectors after stabilization.
Getting started
What is needed to start fast with discipline.
- A small project team: operations + IT + compliance.
- Approve reserve model, verification, and limits.
- Approve settlement method and a technical point of contact.
- Prepare pilot merchants and agents and field operations.
- Provide operating flows and documentation.
- Provide periodic reporting and KPIs.
PsMall Software Services
Official contact details.
We build a unified commerce and logistics ecosystem with practical payment operations designed for real daily usage.