**MercuryPay** **Merchant Management System (ePay)** Current System — Feature List Prepared for: RFP 52-2026 System: epay-main (Laravel / PHP) June 2026 **1. System Overview** The MercuryPay Merchant Management System (epay-main) is a comprehensive Laravel-based web platform that manages the full lifecycle of merchant relationships — from initial onboarding and KYC verification through ongoing compliance screening, risk management, fee configuration, store/terminal management, and transaction reporting. It integrates with LSEG World-Check for sanctions and PEP screening, Signzy for document verification, multiple OCR engines for identity document extraction, and a range of payment gateways. The platform supports multiple user roles including Super Admin, Admin, Manager, Channel Partner, and Merchant with granular permission control. **2. Merchant Onboarding** **2.1 Admin-Side Onboarding Workflow** | | | | -------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **6-Step Onboarding Wizard** | Structured multi-step form guiding admins through: Business Information, Registered Address, Authorized Signatory Details, Contact Person, Business Profile, and Bank Account for Settlement. | | **Business Information Capture** | Collect legal name, DBA name, entity type, country of incorporation, trade license number and expiry, VAT registration number, and trade licence document upload. | | **Registered Address** | Full business address capture including P.O. Box, Emirate/State selection, contact telephone, and website URL with UAE-specific fields. | | **Authorized Signatory Details** | Capture personal information, designation, mobile and email with OTP validation, passport number, Emirates ID, nationality, and upload of passport, visa, and Emirates ID documents. | | **Contact Person Setup** | Option to reuse authorized signatory details or enter a separate contact person as the primary communication contact. | | **Business Profile** | Capture business category/sub-category (MCC), years in business, annual turnover, employee count, store locations, and average transaction amounts. | | **Bank Account for Settlement** | Collect account number, IBAN, account title, bank name (UAE bank selection), and settlement terms; upload bank statement. | | **Onboarding Progress Tracking** | Visual step progress indicator; admin\_onboarding\_step field tracks progress (0=not started, 1–6=steps, 7=completed) separately from merchant self-service onboarding. | | **Document Upload with OCR Auto-fill** | Upload identity documents (trade licence, passport, Emirates ID) and automatically pre-fill form fields using OCR extraction with confidence scoring. | | **Dedupe Check** | Before creating a new merchant application, run a deduplication check against existing merchant records to prevent duplicate onboarding. | | **Merchant Invitation** | Send email/WhatsApp invitation to the merchant to complete or review their onboarding application; resend invitation functionality included. | | **Step Navigation (Back/Update)** | Freely navigate back to earlier steps to update information; completed steps are preserved to allow corrections at any stage. | **2.2 Merchant Self-Service Onboarding** | | | | ---------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------ | | **Feature** | **Description** | | **Self-Service Onboarding Portal** | Merchant-facing onboarding flow allowing merchants to complete their application, upload documents, and track their own onboarding status. | | **First-Login Password Change** | Merchants are required to change their password on first login before accessing any features, enforcing password hygiene from day one. | | **Onboarding Step Resume** | Merchants can log back in and resume onboarding from the last saved step without losing previously entered data. | **2.3 Contract Management** | | | | --------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Digital Contract Generation** | Auto-generate a merchant agreement PDF from the onboarding data, combining cover sheet, terms & conditions, and merchant-specific details. | | **Digital Signature (Signzy)** | Send the generated contract to the merchant via Signzy for legally binding digital signature using UAE ID-verified signing. | | **Contract Preview & Download** | Admin can preview the contract PDF in-browser and download the signed version for record-keeping. | | **Contract Approval / Rejection** | Dedicated approval and rejection workflows for contracts with reason capture and email notification to the merchant. | | **Signzy Webhook Callbacks** | Real-time webhook callbacks from Signzy for contract signing events (contract signed, signer callback, UAE report callback) to update status automatically. | | **Merchant Declaration** | Separate merchant declaration step with digital submission and viewable declaration record. | **2.4 Onboarding Approval Workflow** | | | | -------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Send for Approval** | Once all onboarding steps and documents are complete, submit the merchant application for compliance review and final approval. | | **Approve / Reject / Return** | Compliance or admin users can approve, reject, or return the merchant application for corrections with reasons. | | **Revert Approval** | Un-approve a previously approved application if new information requires re-review. | | **Merchant Stage Progress** | Visual pipeline showing current stage (Application, KYC, Compliance, Approval, Active), with advance/decline/reverse/retry actions. | | **MDR Assignment at Onboarding** | Assign the appropriate MDR (Merchant Discount Rate) template to the merchant as part of the onboarding completion step. | | **Waiting-for-Approval Screen** | Dedicated screen shown to merchants whose application is submitted and pending admin review. | **3. KYC & Identity Verification** **3.1 Document Verification** | | | | ------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Feature** | **Description** | | **KYC Method Configuration** | Admin-configurable KYC methods (e.g., Trade Licence, Passport, Emirates ID, Bank Statement, VAT Certificate) with required/optional designation and document type assignments. | | **Document Upload & Storage** | Secure document upload with file-type validation; documents stored with encryption and accessible only to authorised roles. | | **Admin KYC Review Interface** | Dedicated admin interface to review all submitted KYC documents, view OCR extraction results, compare against original documents, and annotate documents. | | **Document Annotation** | Annotate KYC documents with comments, highlight areas of concern, save and update annotations; generate annotation reports for audit trail. | | **KYC Approval / Rejection** | Approve or reject individual KYC methods with reason; propagate status to overall KYC status and risk score. | | **Bulk Validation** | Trigger validation of multiple KYC documents in one action across all configured third-party validation providers. | | **Third-Party Validation Dashboard** | Dashboard showing validation status, provider results, and statistics across all KYC validation providers. | | **KYC Completion Tracking** | Track completion percentage and status (Pending, In Review, Approved, Rejected) per KYC method and overall for each merchant. | | **Signed Contract Download** | Download the signed merchant contract and audit certificate directly from the KYC request view. | | **Risk Profile Update from KYC** | Update the merchant's risk profile based on KYC findings (nationality, business type, turnover) directly from the KYC review interface. | **3.2 OCR Document Processing** | | | | --------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Multi-Engine OCR** | Support for multiple OCR engines: Tesseract (default), Google Vision API, AWS Textract, and Azure Form Recognizer — with automatic fallback to alternative engines for best accuracy. | | **Intelligent Field Extraction** | Extract structured fields from identity documents (passport number, name, DOB, expiry, nationality, address) using keyword-based, regex, position-based, and ML-pattern methods. | | **OCR Confidence Scoring** | Field-level and document-level confidence scores for all OCR extraction results to indicate reliability before auto-population. | | **Image Preprocessing** | Automatic image enhancement pipeline: deskewing, denoising, contrast enhancement, sharpening, and document type detection before OCR processing. | | **Auto-Population of Form Fields** | OCR-extracted data automatically populates onboarding form fields, reducing manual data entry and transcription errors. | | **OCR Configuration per Document Type** | Admin-configurable OCR settings per KYC method: engine selection, field mappings, confidence thresholds, and suggested configurations. | | **Image-to-PDF Conversion** | Automatically convert uploaded image files (JPG/PNG) to PDF format for consistent document storage and processing. | **3.3 Signzy Integration** | | | | ----------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Aadhaar Verification** | Real-time Aadhaar number verification against UIDAI database with Verhoeff checksum validation, name matching, DOB and address verification. | | **PAN Verification** | Verify PAN numbers with the Income Tax Department including PAN format validation, name matching, and PAN status check. | | **UAE Report (Emirates ID Verification)** | Verify UAE Emirates ID with name, date of birth, and nationality extraction for UAE merchant onboarding. | | **Contract API Integration** | Submit merchant contracts to Signzy for digital signing workflow; receive real-time status via webhook callbacks. | | **Signzy Document Response Storage** | Store and retrieve complete Signzy API responses for audit trail and re-verification purposes. | **4. LSEG (World-Check) Compliance Screening** | | | | ---------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Initial LSEG Case Screening** | Submit merchant and authorized signatory details to LSEG World-Check for initial sanctions, PEP (Politically Exposed Person), and adverse media screening. | | **Shareholder / UBO Screening** | Screen individual shareholders and Ultimate Beneficial Owners (UBOs) against LSEG databases with per-shareholder results and bulk check-all option. | | **Ongoing Monitoring** | Continuous LSEG watchlist monitoring for active merchants; automatic detection and ingestion of ongoing screening updates via webhooks. | | **LSEG Webhook Integration** | Real-time HMAC-validated webhooks from LSEG for screening update notifications, automatically triggering risk score recomputation. | | **Report Generation & Download** | Generate structured LSEG compliance reports and download them as PDF/CSV; check report generation status asynchronously. | | **Secondary Fields Configuration** | Configure additional secondary data fields sent to LSEG for enhanced screening accuracy (e.g., nationality, passport number, country of incorporation). | | **LSEG Settings Management** | Admin interface to create, edit, and delete LSEG field settings; toggle individual fields on/off without code changes. | | **Manual LSEG Check Trigger** | Admin can manually trigger an LSEG screening check for any merchant at any time outside the automated schedule. | | **Signzy Response View** | View detailed Signzy API responses alongside LSEG results in the document review panel for a consolidated compliance picture. | | **LSEG Cron Job Scheduling** | Automated cron job to poll LSEG for ongoing screening updates on a scheduled basis; results stored and linked to merchant records. | **5. Merchant Risk Management** | | | | ------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Automated Risk Score Computation** | Calculate a composite merchant risk score across multiple dimensions: transaction behaviour, KYC data (country, business type, ownership), MCC code, annual turnover, and LSEG screening results. | | **Risk Category Classification** | Classify each merchant as Low Risk, Medium Risk, or High Risk based on computed score, with configurable thresholds. | | **Country Risk Tiers** | Admin-maintained country risk tier table (High/Medium/Low) used as a factor in the merchant risk score computation. | | **Scheduled Periodic Reviews** | Automated periodic risk reviews: Low Risk every 18 months (weekly cron), Medium Risk every 12 months, High Risk every 6 months; daily overdue review sweep. | | **Event-Based Auto-Recomputation** | Risk score automatically recomputed when MCC, annual turnover, or KYC approval data changes, or when LSEG screening results are received. | | **Computation Trigger Tracking** | Each risk score computation records its trigger source (manual, scheduled review, field change, KYC approval, LSEG screening) for full audit trail. | | **Admin Risk Score Override** | Admin can manually override a computed risk score or risk category with a reason, subject to audit logging. | | **Risk Score Review Workflow** | Structured review workflow where a compliance officer reviews the risk score, records a decision, and marks the review as complete. | | **Risk Score Dashboard** | Overview dashboard showing score distribution across merchants, high-risk merchant list, overdue reviews, and recent recomputations. | | **Risk Score Export** | Export the full merchant risk score table to CSV for reporting or regulatory submissions. | | **Compliance Queue** | Compliance queue that automatically populates with merchants requiring review; supports start-review, decision recording, reassignment, escalation, and request-for-info actions. | | **Transaction Rules Engine** | Configurable transaction rules per merchant with enable/disable toggle; rule changes logged with full audit trail. | **6. Credit Score & Loan Management** **6.1 Merchant Credit Scoring** | | | | ------------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Credit Score Calculation** | Compute a 120-point merchant credit score across 12 parameters in 3 categories: Transaction Behaviour (40 pts), Repayment & Bank Behaviour (30 pts), Business Stability (50 pts). | | **Credit Categories** | Classify merchants as Excellent (80–120), Good (66–79), Average (51–65), or Risky (below 51) based on credit score. | | **Credit Score Recalculation** | Admin can trigger a recalculation at any time using the latest transaction data; displays updated score immediately. | | **Loan Eligibility Decision** | Based on credit score, admin can mark a merchant as Approved, Rejected, or Under Review for loan eligibility. | | **Merchant Dashboard Credit Widget** | Credit score prominently displayed on the merchant's own dashboard and sidebar for self-awareness; read-only for merchants. | **6.2 Loan Management** | | | | ---------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Feature** | **Description** | | **Loan Products Management** | Admin creates and manages loan products per bank (Personal Loan, Business Loan, etc.) with processing charge type (flat/percentage), min/max amount, and min/max tenure. | | **Loan Offers** | Create and assign loan offers to merchants, linked to a bank and loan product, with amount and tenure parameters. | | **Loan Applications** | Merchant-facing loan application submission; admin reviews and processes applications with document upload and KYC verification. | | **Bank-Scoped Loan Access** | Loan features are scoped to specific banks; each bank independently enables/disables the loan feature. | | **Loan KYC** | Dedicated KYC process for loan applications separate from merchant onboarding KYC. | | **Loan REST API** | RESTful API endpoints for loan product, offer, and application management for integration with external lending systems. | **7. MDR & Fee Management** | | | | --------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **MDR Template Management** | Create and manage Merchant Discount Rate templates with transaction type rates (Sale, Refund, QR, etc.) as flat or percentage values. | | **MDR Template Assignment** | Assign MDR templates to merchants at onboarding or post-onboarding; merchants can only have one active template at a time. | | **MDR CSV Import** | Bulk import MDR rate data from CSV files; comprehensive import with validation and error reporting. | | **Merchant-Specific Fee Configuration** | Override template fees with merchant-specific values: transaction fees, fixed fees, settlement fees, chargeback fees, and refund fees. | | **Fee Calculation Preview** | Real-time calculation preview showing effective fees for different transaction amounts to verify fee structure before saving. | | **Subscription Fees** | Create and manage subscription fee plans with billing cycles; toggle plan status active/inactive. | | **Charge Management** | Manage one-time and recurring charges applied to merchants beyond standard MDR. | | **MDR API** | REST API endpoint for querying merchant MDR rates for integration with the transaction switch. | **8. MCC Management** | | | | ---------------------------------- | ---------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **MCC Directory** | Maintain a full directory of Merchant Category Codes with descriptions and risk profiles (Low / Moderate / High risk). | | **MCC Assignment** | Assign one or more MCCs to a merchant with effective dates; audit-logged for compliance. | | **MCC Audit Log** | Full audit trail of all MCC assignments and changes per merchant with timestamp and operator details. | | **MCC Risk Profile in Risk Score** | MCC risk classification automatically fed into the merchant risk scoring algorithm to reflect business-type risk. | **9. Store & Terminal Management** | | | | --------------------------------- | ------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Store / Branch Management** | Create and manage merchant stores (branches/locations) with address, contact details, product type, and quantity. | | **Bulk Store Upload (CSV)** | Upload a list of stores via CSV template including SMID (15-digit) and STID (8-digit) identifiers for batch creation. | | **SMID / STID Management** | Assign and manage Sub-Merchant IDs (SMID, 15 digits) and Sub-Terminal IDs (STID, 8 digits) per store for provider routing. | | **Terminal (Device) Assignment** | Assign physical POS terminals (Shukria terminals) to merchant accounts and stores; update or force-update terminal assignments. | | **Device Management** | Track deployed devices per merchant with model, serial number, and current assignment; add new devices via admin interface. | | **Provider Enrollment per Store** | Enrol each store with one or more payment providers (AANI, AlipayPlus, WeChat, UPI); track enrollment status per provider. | | **Virtual IBAN for AANI** | Generate a UAE-compliant Virtual IBAN for each merchant for AANI enrollment; mapped to the merchant's actual settlement IBAN. | | **Merchant Reference Update** | Update the merchant reference identifier used by external systems without re-running the full onboarding flow. | | **Store List Template Download** | Download a pre-formatted CSV template for bulk store uploads with SMID/STID sample data and field instructions. | **10. Channel Partner Management** | | | | ----------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Channel Partner Role** | Dedicated Channel Partner role that can manage their own team members and view all merchants created by themselves and their team. | | **Team Member Management** | Channel Partners can add, edit, and remove team members via a self-service CRUD UI without admin intervention. | | **Merchant Attribution** | Each merchant created by a team member is automatically attributed to the Channel Partner for reporting and commission purposes. | | **Strict Data Isolation** | Team Members can only see merchants they personally created; cross-team visibility is blocked (403 Forbidden for unauthorized access). | | **Activity & Performance Tracking** | View individual team member performance metrics including merchant creation count and activity history. | | **Sales Dashboard** | Dedicated sales dashboard for Channel Partners and Sales users showing merchant pipeline, active merchants, and revenue metrics. | **11. Transaction Management** | | | | --------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Transaction History** | Full transaction listing for all merchants with filters by date range, type, status, amount, and merchant; supports data table pagination and search. | | **Transaction Detail View** | Detailed view of individual transactions including ISO 8583 fields, gateway response, timestamps, and linked merchant/store data. | | **Transfer Management** | View and manage fund transfers between accounts; data table with filters and export. | | **Deposit Management** | Review, approve, and reject merchant deposit requests; history view with status tracking. | | **Request Money** | View incoming and outgoing money request transactions across all merchants. | | **Payout Management** | Process and track merchant payouts to their registered bank accounts. | | **QR Payment Records** | View all QR-based payment transactions across providers (AANI, AlipayPlus, WeChat, UPI) with provider-specific detail. | | **Dispute Management** | Manage transaction disputes with document upload, comment thread, and status tracking (Open, In Review, Resolved, Rejected). | | **Transaction Receipt** | Generate and view digital transaction receipts; publicly accessible via unique URL for merchant/customer sharing. | **12. Settlement & Reconciliation** | | | | ------------------------------ | -------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Merchant Settlement View** | View settlement records per merchant including batch number, settlement date, gross/net amounts, MDR deducted, and status. | | **Settlement Report** | Generate settlement reports for date ranges; downloadable for accounting and reconciliation. | | **Bank Account Configuration** | Configure and update the merchant's settlement bank account (IBAN, account number, bank name) post-onboarding. | | **Income & Charge Tracking** | Track all income charges (MDR collected) and deductions (refunds, chargebacks) separately per merchant for reconciliation. | **13. Payment Gateway Integrations** | | | | ----------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Payment Link (Single Charge)** | Create unique payment links for one-time charges; customers pay via a hosted page with gateway selection. | | **Invoice Payment** | Generate branded invoice PDFs and share a payment link; customers select gateway and complete payment online. | | **QR Code Payment** | Generate merchant QR codes; customers scan and pay via their mobile wallet without a physical card. | | **Donation Payment** | Create donation payment pages with configurable amounts and causes; donors pay via any configured gateway. | | **Website Form Payments** | Embed payment-enabled forms on merchant websites; form submissions trigger payment collection via the configured gateway. | | **Subscription / Payment Plans** | Create recurring payment plans; subscribers are automatically billed on the configured cycle via gateway tokenization. | | **Multi-Gateway Support** | Built-in integrations with PayPal, Stripe, Mollie, Paystack, Razorpay, Worldline, MomentPay, Flutterwave, Thawani, Instamojo, ToyyibPay, PayU, Mercado Pago, and Manual/Custom gateway. | | **Gateway Configuration** | Admin interface to enable/disable gateways and configure API credentials per gateway; gateway settings per currency. | | **Payment Success / Failure Pages** | Branded success and failure landing pages after payment completion with order summary and next-steps guidance. | **14. User, Role & Access Management** | | | | ------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Role-Based Access Control (RBAC)** | Granular permission system with roles (Super Admin, Admin, Manager, Sales, Channel Partner, Team Member, Merchant) and individual permission assignments. | | **Role Management** | Create, edit, and delete custom roles; assign fine-grained permissions per role via a permission matrix interface. | | **User Management** | Create and manage admin/merchant user accounts; assign roles, reset passwords, enable/disable accounts. | | **Multi-Factor Authentication (MFA)** | TOTP-based (Time-Based One-Time Password) MFA with QR code setup, backup recovery codes, and admin-enforced enable/disable per user. | | **OTP Password Reset** | Email-based OTP (One-Time Password) for secure password reset flow as an alternative to link-based reset. | | **Password Complexity Policy** | Configurable password rules: minimum/maximum length, uppercase, lowercase, numbers, special characters requirements; blocks common passwords. | | **Password History** | Prevent reuse of the last N passwords (configurable); enforced on every password change or reset. | | **Account Lockout** | Lock accounts after configurable number of failed login attempts (default 5) for a configurable duration (default 15 minutes). | | **Login Attempt Audit** | Log every login attempt (success and failure) with IP address, timestamp, and browser agent for security monitoring. | | **Session Invalidation on Password Change** | All active sessions for a user are automatically invalidated when their password is changed, preventing credential-reuse attacks. | | **Module-Level Permissions** | Permissions can be configured at the module level (merchant-onboard-create, merchant-onboard-read, etc.) for fine-grained access control beyond role assignment. | | **Customer (Merchant) Assignment** | Assign merchants to specific admin users or sales persons for account management and reporting scoping. | **15. Audit Logging & Compliance** | | | | ------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------ | | **Feature** | **Description** | | **System-Wide Audit Log** | Comprehensive audit trail capturing all user actions across the system including create, update, delete operations on all key models. | | **Before/After Data Capture** | Each audit log entry stores the data state before and after the change in JSON format for forensic analysis. | | **Sensitive Action Flagging** | Sensitive actions (key changes, role modifications, financial adjustments) are flagged and stored with elevated retention priority. | | **Authentication Event Logging** | Log login successes, failures, MFA events, password changes, and session activities. | | **Admin Audit Log Viewer** | Admin interface to search, filter (by user, module, action type, date range), and view all audit log entries. | | **Audit Log CSV Export** | Export filtered audit log data to CSV for regulatory submission or internal compliance review. | | **Configurable Retention Policies** | Configurable retention periods per log type; automated cleanup of aged audit records via cron job. | | **Audit Middleware** | Request-level audit middleware applied to all admin routes, automatically capturing sensitive HTTP requests without per-controller coding. | | **IP Address & User Agent Tracking** | Every audit record includes the actor's IP address and browser/client user-agent string for forensic traceability. | **16. Notifications & Communication** | | | | ------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------ | | **Feature** | **Description** | | **In-App Notification Centre** | Real-time in-app notification centre with unread count badge, recent notifications drawer, and mark-as-read / mark-all-read actions. | | **Email Notifications (Azure)** | Transactional email delivery via Azure Email Communication Service for onboarding events, password resets, and KYC status updates. | | **WhatsApp Notifications** | WhatsApp message delivery integration for merchant communications including onboarding status, payment confirmations, and alerts. | | **Promotional Email Campaigns** | Admin-managed promotional email subscriber list and campaign send functionality. | | **Newsletter Subscriptions** | Public newsletter subscribe endpoint; admin manages subscriber list and campaigns. | **17. Dashboard & Reporting** | | | | -------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Admin Dashboard** | Central admin dashboard showing total merchants, active websites, total earnings, transaction volumes, deposit summary, and order statistics. | | **Performance Charts** | Time-period-based performance charts (daily, weekly, monthly) for transaction volume, revenue, and deposit trends. | | **Order Statistics** | Monthly order breakdown showing counts and values by payment type (online, offline, QR, subscription). | | **Google Analytics Integration** | Embedded Google Analytics visitor data on the admin dashboard for website traffic insights. | | **Sales Dashboard** | Dedicated sales-user dashboard with merchant pipeline, new merchant counts, and revenue attributed to the sales person. | | **Merchant Risk Score Dashboard** | Risk-focused dashboard showing risk distribution, high-risk merchant listing, overdue review counts, and recent score changes. | | **Compliance Queue Dashboard** | Dashboard view of all merchants in the compliance review queue with assignment, status, and age of review. | | **Validation Statistics** | Dashboard showing third-party validation usage, pass/fail rates, and provider performance statistics. | | **Merchant Dashboard (Merchant View)** | Merchant-facing dashboard showing their transaction summary, credit score widget, settlement status, and quick-action links. | | **Report Export** | Export transaction, settlement, audit, and risk data to CSV/PDF from various report pages. | **18. Additional Platform Features** **18.1 E-Commerce & Product Management** | | | | ---------------------------- | ----------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Product Catalogue** | Manage physical and digital product listings per merchant with categories, pricing, images, and inventory. | | **Order Management** | View and process customer product orders; track order status through placed, paid, shipped, and completed stages. | | **Shopping Cart** | Customer-facing shopping cart for merchant storefronts with add/remove/update functionality and checkout flow. | | **Shipping Rates** | Configure shipping rate rules per product type, weight, and destination for physical product fulfilment. | | **Digital Product Delivery** | Automatic delivery of digital products (download links, access codes) upon payment confirmation. | **18.2 Event & Booking Management** | | | | ----------------------------- | -------------------------------------------------------------------------------------------------------------------------- | | **Feature** | **Description** | | **Event Management** | Create and publish events with ticket types, pricing, capacity limits, and event details for merchant-hosted events. | | **Event Ticketing** | Customer-facing event ticket purchase with payment gateway selection and QR-code ticket issuance. | | **Appointment Booking** | Provider availability management and customer appointment booking with payment at the time of booking. | | **School Fee Payment Portal** | School-specific fee payment portal allowing parents to search by student admission number and pay outstanding fees online. | | **Chit Fund Payment Portal** | Chit fund provider portal enabling chit subscribers to pay instalments online with receipt generation. | **18.3 System Administration** | | | | ----------------------------- | ------------------------------------------------------------------------------------------------------------------ | | **Feature** | **Description** | | **Multi-Language Support** | Language management with admin-configurable translations; merchants can set their preferred display language. | | **SEO Management** | Per-page SEO metadata management (title, description, keywords) for merchant websites. | | **CMS Pages** | Admin-managed static content pages (About, Contact, Terms, Privacy) with slug-based URL routing. | | **Blog Management** | Create and publish blog posts with slug-based URLs and category tagging. | | **Site Settings** | Global site configuration: name, logo, currency, timezone, maintenance mode, and third-party API keys. | | **Media Library** | Centralized media library for uploaded images and documents with list view, delete, and reuse across the platform. | | **Cron Job Management** | Admin-configurable scheduled cron tasks; manually trigger runs and view execution history. | | **Environment Configuration** | Admin interface for managing environment variables (.env) without direct server access. | | **Menu Builder** | Drag-and-drop navigation menu builder for admin and merchant portals. | | **Deployment Tracker** | Track system deployments with version, date, and deployer for change management. | | **Altareq OpenFinance** | Integration with Altareq OpenFinance platform for bank account data retrieval and financial verification. | **19. Feature Summary** The table below provides a high-level count of documented features by domain area. | | | | | -------------------------------------- | ----------------- | --------- | | **Domain** | **Feature Count** | **Notes** | | **2. Merchant Onboarding** | 18 | | | **3. KYC & Identity Verification** | 22 | | | **4. LSEG Compliance Screening** | 10 | | | **5. Merchant Risk Management** | 12 | | | **6. Credit Score & Loan Management** | 11 | | | **7. MDR & Fee Management** | 8 | | | **8. MCC Management** | 4 | | | **9. Store & Terminal Management** | 9 | | | **10. Channel Partner Management** | 6 | | | **11. Transaction Management** | 9 | | | **12. Settlement & Reconciliation** | 4 | | | **13. Payment Gateway Integrations** | 9 | | | **14. User, Role & Access Management** | 12 | | | **15. Audit Logging & Compliance** | 9 | | | **16. Notifications & Communication** | 5 | | | **17. Dashboard & Reporting** | 10 | | | **18. Additional Platform Features** | 17 | | | **TOTAL** | **175** | |