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Institutional solutionsConcettoProposed solution

Payment integration and digital commerce

A digital commerce and payment-integration layer — not a bank, not a payment institution.

SAAFER is not a bank, and not a payment institution unless appropriately licensed. It is a digital commerce and payment-integration layer.

Core capabilities

A proposed solution designed to connect merchants and institutions to licensed payment providers and banks through one checkout, references and reconciliation; settlement itself stays with the licensed provider and the banks, and licensing and the issuing of money with the licensed bodies and the Central Bank. No integration exists today.

  • DemoProposed solution

    Payment integration

    One checkout through licensed payment providers; SAAFER is not a bank or a payment institution.

    • Unified checkout
    • Settlement reports as the licensed provider sends them, and reconciliation
    • Payment status
    • Digital invoices

  • PrevistoProposed solution

    Digital commerce

    A storefront, products and orders for every merchant, with one checkout.

    • Merchant hub
    • Catalogue and stock
    • Orders and delivery
    • Sales analytics

  • ConcettoProposed solution

    Financial connectivity

    Designed to connect merchants and institutions to licensed payment providers and banks through one interface (no connection exists today) — SAAFER is not a financial institution.

    • FinTech integration
    • Settlement reports from the licensed provider, and reconciliation
    • Transaction status
    • Payment analytics

  • ConcettoProposed solution

    Notifications

    The applicant and the institution told of every change, on the channel they choose.

    • In-app notices
    • SMS and e-mail
    • Alert rules
    • Delivery log

  • ConcettoProposed solution

    Analytics

    Dashboards and indicators from the platform’s data, with no personal data in the reports.

    • Operational dashboards
    • Indicators
    • Periodic reports
    • Export

  • PrevistoProposed solution

    API layer

    Documented, authorised interfaces that connect an institution’s systems to SAAFER, with no transfer of ownership or decision.

    • Documented APIs
    • Authorisation and keys
    • Limits and monitoring
    • A sandbox

  • ConcettoProposed solution

    Cybersecurity

    Today: TLS, browser security headers and responsible disclosure (Trust Center); proposed: encryption at rest, an audit log and data separation — in words that can be proven.

    • Today: TLS and security headers
    • Today: responsible disclosure
    • Proposed: encryption at rest
    • Proposed: audit log

Modules that can be added: SAAFER account (SAAFER ID) · Document wallet · Workflow · Business services

The architecture, simply

Authority / Institution

  1. Banks
  2. Licensed payment providers
  3. FinTech companies
  4. Institutions with fees and invoices

SAAFERConcetto

Technology + Integration + Workflow
  1. Payment integration
  2. Digital commerce
  3. Financial connectivity
  4. Notifications
  5. Analytics
  6. API layer

Citizen / Business / Provider

  1. Citizen
  2. Business
  3. Provider

Illustrative: no agreement or integration exists with any institution; a proposed solution.

Example use case

A fee paid and reconciled

An institution charges a fee: the invoice is issued through SAAFER, paid through a licensed provider, the payment reference and state return to the institution’s system, and the report reconciles it all.

What SAAFER does

  • Technology and digital infrastructure
  • Integration and workflow
  • User experience and notifications
  • The API layer
  • One checkout and reconciliation

What the institution retains

  • Authority and decisions
  • Regulation and licensing
  • Ownership of official data
  • The operational mandate
  • Financial licensing and the issuing of money

Security and governance

  • Card data never passes through or rests in SAAFER; processing is at the licensed provider.
  • Any collaboration would start with a limited written scope the authority agrees and controls; nothing here is deployed or built today.
  • The data belongs to the authority; SAAFER would process it on its instructions under a written agreement (controller/processor), stored where the agreement says.

Principles for institutional environments, in the Trust Center

Interested in a full solution?

The full solution is shared after a conversation with the SAAFER team.

Talk to us about the solutionAll sectors