xpWallet - mWallet Bill Pay: Easy to receive, pay and track your bills with maximum control and flexibility.

1. next generation mWallet
Bill Pay

2. Benefits
 xpWallet Bill Pay takes mWallet Bill Pay to the next level, by allowing you to receive and view
your bills instantly through Internet, USSD and SMS.
 Gives you a summary of your bills and their due date in one place.
 Make instant payments with your mWallet or through the Agent nearby.
 Cut down on paper usage by choosing to receive your bills online and over SMS/USSD.
 The service brings you a hassle free and secure way to pay your Electricity, Gas, Telephone,
Water and Internet bills. Now you can easily pay your utility bills from your nearest Bill Pay
shop.

3. How it works
Biller 1 Biller 2 Biller 3
Uploads CSV file in xpWallet Biller2’s application Direct integration of xpWallet
application using web directly calls xpWallet’s database and Biller
browser Open API for bill upload database using Materialized
View
xpWallet Application
Server
xpWallet Database
Live view of data
Biller 1
Subscribers
Biller 2
Agents
Biller 3 Operator

4. How to Pay Bills
You can pay your bills either of two ways:
1. Self Bill Pay
Pay through your mWallet as a mobile money account holder.
2. Pay through Agent/Channel for subscribers & non-subscribers
 Bring your bill and the required amount of cash to any of xpWallet Bill Pay outlets.
 Ask the agent/channel to pay your bill through the xpWallet Bill Pay service.
 Check the confirmation message on the Agent/Channel’s mobile phone.
 Upon completion of the payment, the Agent/Channel will stamp your bill. Collect the
stamped bill, which will carry the transaction ID and Agent ID information

5. Solution Snapshot
Self BillPay by subscriber
Subscriber’s BillPay history
BillPay by Agent/Channel

6. Q&A
 What is xpWallet Bill Pay?
 xpWallet BillPay is a Bill Pay application through which you can receive and view your bills over
secure Internet, USSD & SMS.
 Once registered for xpWallet Bill Pay through Internet & USSD/SMS, you are able to view, pay
and track payments at any time , making the management of your bills easy.
 Why use xpWallet Bill Pay?
 xpWallet Bill Pay gives you the convenience of having your bills available on secure Internet
portal or accessing mini bills over SMS/USSD. It means never losing a bill again!
 You can view and pay your bills when it suits you, day or night!
 It gives you the ability to still pay your bill through any payment mode the biller offers –
xpWallet BillPay is one easy option.
 You can save, store and file your bills electronically - reducing the piles of paper in your home.
You are still able to get a printout copy of your paper bill for those times when you need it.
 By saving on paper, xpWallet BillPay View is environmental friendly.

7. Q&A
 When will I receive my bills through xpWallet Bill Pay?
 You can expect to receive your View bills at approximately the same time as it is uploaded in
the Utility system.
 What if I require a paper copy of my xpWallet Bill Pay?
 If you require a paper copy of your xpWallet Bill Pay, you are able to print a copy of your
detailed bill. If a printed copy of your xpWallet Bill Pay will not suffice, you can contact your
biller to request a hard copy of the bill.
 Can I use my xpWallet Bill Pay as tax records?
 xpWallet bills may be retained in electronic form for income tax purposes.
 What are the environmental benefits to xpWallet Bill Pay function?
 We recognize that everyone is looking for opportunities to make more ecologically sound
choices. xpWallet Bill Pay is an enabler for better environmental outcomes.
 To give this some perspective, every single user can help us to save.
 Tones of paper, million litres of water, help to reduce green house gas emissions.

8. Contact us
Have any questions? Please let us know:
Email: enquiry@xpWallet.com