MAPPLCONNECT AND MAPPLPAY

Next Generation Digital Payments Processing Gateway

Currently in Russia, India, Kuwait and now in Pakistan; through a fully owned subsidiary in Pakistan e.g. VOLTAIC MAPPLCONNECT PRIVATE LIMITED. eCommerce Clients, Shopping Platforms and Online Gaming clients are already on-board and several others in pipeline

Overview of Digital Payment Processing

MAPPLCONNECT™ – Digital payment processing technology is a Next Generation Electronic System (NGES) to facilitate transactions and money transfers without physical cash, incorporating components like payment gateways, payment processors and APIs. These systems ensure secure, real-time transactions by encrypting sensitive data, authenticating users, and communicating with banks and card networks to verify funds. 

Total transaction value in the international digital payment market is projected to reach USD 21 trillion in 2025-2026. For service providers and businesses, this means it’s more important than ever to offer customers a variety of digital payment methods so they can easily pay on their phones, laptops, or at physical terminals that accept contact less cards.

MAPPLCONNECT’s digital payment processing system handles each part of that transaction, ensuring the money moves from buyer to seller. It’s a complex process that occurs in seconds, and it shapes a core aspect of commerce.

KEY COMPONENTS of MAPPLCONNECT DIGITAL PLATFORM

Payment Gateway:

Acts as the initial point for securely receiving and encrypting customer payment data. 

Payment Processor:

An intermediary that handles the authorization, settlement, and communication of the transaction with banks and financial institutions. 

Payment Methods:

Includes credit/debit cards, digital wallets (mobile wallets), internet banking, and QR code payments. 

BENEFITS of DIGITALLY PAYMENT PROCESSING WITH MAPPLCONNECT

Broader Customer Reach:

Shoppers can pay with their preferred digital payment methods, from major credit cards to digital wallets. Accepting digital payments can open your business to a broader audience.

Better customer experience:

A good payment system makes checkout easier and faster for online shoppers. This can reduce cart abandonment and lead to repeat purchases.

Faster Transactions:

No one needs to wait for a check to arrive in the mail or clear at the bank. Digital payments transfer money on a shorter timeline, which is better for cash flow planning.

Security:

Tools such as encryption and tokenization help stop unauthorized access to sensitive payment information.

Easier Recordkeeping:

Storing data in a digital format creates clean transaction histories. Everything is organized in one dashboard, which makes it simpler to match payments to orders, handle refunds, or track trends.

Expansion Opportunities:

Online transactions allow you to serve customers in many different locations—even internationally—without needing to open additional physical stores.

Automation Potential:

Businesses can link payment tools to invoicing or accounting software. This means less time spent on manual data entry and fewer mistakes caused by human error.

DEFINITIONS:

VM – VOLTAIC MAPPLCONNECT PRIVATE LIMITED, Digital Payments Processing Gateway, Pakistan

PayIn (Collection) – money transferred from subscriber’s Digital Wallet/bank account to MAPPLCONNECT and through Service Provider’s (Easypaisa & Jazz Cash) Wallet/bank account

PayOut (Disbursement) – money transferred by Client through MAPPLCONNECT from Service Provider’s wallet/bank account to subscriber’s bank account

Service Provider Charges – fee % charged by Service Provider from VOLTAIC MAPPLCONNECT (VM) on PayIn and PayOut transactions of subscriber

User charges – fee % charged by VOLTAIC MAPPLCONNECT (VM) from ‘CLIENT” on every PayIn and PayOut transactions of  their subscribers

Settlement with Service Provider – every 24 hours, money transfers from Service Provider’s bank account to VOLTAIC MAPPLCONNECT (VM) bank account

Settlement with “CLIENT” – money transfers from VOLTAIC MAPPLCONNECT (VM) bank account to “CLIENT” bank account

Business Model & Flow

Schematic with PSPs & Wallets Providers: EeasyPaisa/Jazz Cash/Pay Fast/Safe Pay/NayaPay

USE CASE & SCENARIOS

1. E-Commerce Payments (B2C).

SCOPE: E-commerce encompasses a wide range of transactions, including retail shopping, online auctions, digital services, and even booking appointments. 

Case Scenario: Payments Processing Gateway & e-Commerce Payments.

MAPPLCOM offers APIs and software interface “MAPPLCONNECT™” that clients & merchants can integrate into their website to facilitate the checkout process and accept payments. The MAPPLCONNECT platform system captures and encrypts the relevant information regarding the payer and the payment credential (e.g., credit card) used for the payment and relays that information to service provider entity that further processes the transaction. In doing so, it allows for the transfer of a payer’s information between a payment portal and the front-end processor, or the acquirer used by a merchant. MAPPLCOM markets its APIs and service as a payment gateway aggregator and typically charges its clients and merchants a fixed fee per transaction for its services and processing.

The MAPPLCONNECT System also allows the payer to give their consent for the transaction: after entering the necessary payment information, the software prompts the payer to click on an Order Now button, which puts the transaction into motion. Further, the software receives a payment instruction in relation to the IBFT when it receives a confirmation that the payment has been approved and processed from another participant in the payment chain.

By offering its own payments processing solution, MAPPLCONNECT performs the following payment functions: the initiation of an IBFT, and the authorization of an IBFT or the transmission, reception or facilitation of an instruction in relation to an IBFT.

Online Shopping & Online Retail Stores:

Digital Transactions:

Online shopping involves all the typical aspects of commerce but conducted electronically. 

Convenience and Accessibility: 

MAPPLCONNECT provides the convenience of shopping 24/7 from any location with an internet connection and Apps. Common examples of e-commerce services include online retail stores, marketplaces like Amazon, Alibaba, Noon, TEMU, and ETSY and even digital services. 

Subscription & Recurring Billing.

MAPPLCONNECT’s subscription and recurring online payments are used by a wide range of businesses to automate billing and create stable revenue streams through services like streaming (Netflix), software-as-a-service (SaaS) platforms (Slack), e-learning (Coursera), gym memberships, and meal kit delivery services. They also apply to essential services such as utility bills (electricity, internet) and ongoing financial commitments like loan payments and insurance premiums.

Top-Up or Pay-As-You-Go Services:

Use Case: Enable online services to accept debit/credit cards, local wallets (Jazz Cash/Easypaisa), and bank transfers to top-up the balance or to make immediate payment for the part of service.

• Time-based parking fee

State parking & commercial parking in trade/business centers

• Car / scooter / power bank sharing

Charges for short-time time-based rent of vehicles or devices

• Mobile-phone balance

Topping up balance of mobile phone

• Taxi aggregators

Charges for taxi rides

• Food delivery aggregators

Charges for delivery ordered online

MAPPLCONNECT’s Consumer-Facing Subscriptions.

Use Case: Enable online stores to accept debit/credit cards, wallets, and bank transfers.

• E-Commerce & Subscription Micro Payments

MAPPLCONNECT Digital Payment Processing Platform is also handling micropayments and small transactions against short-subscriptions, App payments etc.  

• Streaming services: 

Companies like Netflix and Spotify use recurring payments for continuous access to their content libraries. 

• Digital products and content: 

News outlets and digital content platforms charge recurring fees for ongoing access to articles, newsletters, and educational materials. 

• Subscription boxes: 

Businesses deliver curated products (e.g., beauty products, meal kits) to customers on a recurring basis for a regular fee. 

• Memberships: 

Gyms, wellness centers, and online communities use recurring payments for ongoing access to their facilities and services. 

Business-to-Business (B2B) & Service-Based Subscriptions.

• Web hosting and online platforms: 

Businesses offer recurring services for website hosting, domain registration, and other digital infrastructure. 

• Financial services: 

Financial advisors, credit monitoring services, and online learning platforms offer recurring access to their ongoing support and educational content. 

Utility & Essential Services

• Utilities: 

Electricity, water, gas, and internet providers use recurring billing to charge customers for their ongoing services based on usage. 

• Insurance: 

Health, auto, and home insurance companies collect recurring payments to maintain continuous coverage for policyholders. 

Other Payments:

• Loan repayments: 

Mortgages, vehicle loans, and personal loans often involve automated, recurring payments to repay the principal and interest. 

• Buy Now, Pay Later (BNPL): 

Customers can spread out the cost of purchases into regular instalments, which are collected through a recurring billing system. 

Details & Common Use Cases & Scenarios.

Online subscription and recurring billing payments are essential for a variety of business models, offering convenience for customers and predictable revenue for companies. These arrangements can involve both fixed, predictable charges and variable, usage-based fees. 

Common use cases and scenarios:

Software as a Service (SaaS) and e-learning.

• Description: Companies charge a recurring fee for access to their software or online educational content.
• Scenarios:
  • Tiered plans: Offering different subscription levels (e.g., Basic, Pro, Enterprise) based on features or usage limits.
  • Seat-based pricing: Charging based on the number of users accessing the platform, common in B2B applications.
  • Usage-based billing: Billing customers for their actual consumption, such as API calls, storage, or processing time.
• Examples: Adobe Creative Cloud, Slack, Netflix, Spotify, Coursera, Skillshare.

MAPPLCONNECT System entertains all these payments through its dynamic next generation platform.

E-Commerce and Subscription Boxes.

• Description: Customers receive curated products on a regular schedule, such as monthly or quarterly.
• Scenarios:
  • Replenishment model: Automated re-ordering of essential items like toiletries or pet food.
  • Curated boxes: Regularly delivering a selection of surprise items tailored to a customer’s preferences.
• Examples: Saloon & Clubs, BarkBox, Blue Apron, Stitch Fix.

MAPPLCONNECT System entertains all these payments through its dynamic next generation platform. 

Memberships and Professional Services.

• Description: Recurring payments for access to physical or digital membership programs, as well as ongoing services.
• Scenarios:
  • Gym and club access: Charging members a fixed monthly fee for access to facilities.
  • Retainer services: Agencies charging monthly retainers for ongoing work, such as digital marketing or content creation.
• Examples: Gym memberships, online communities, law firms, and design agencies with retainer clients.

MAPPLCONNECT System entertains all these payments through its dynamic next generation platform.

Utilities and Financial Services.

• Description: Automating the regular payments required for essential services and financial products.
• Scenarios:
  • Utility bills: Monthly charges for electricity, water, gas, or internet, which can be variable based on usage.
  • Insurance premiums: Fixed or variable payments to maintain insurance coverage.
  • Loan repayments: Auto-deducting scheduled instalment payments.
• Examples: Energy providers, insurance companies, banks offering auto-pay for loans. 

MAPPLCONNECT System entertains all these payments through its dynamic next generation platform.

Media and Content Publishing.

• Description: Charging for continuous access to digital news, magazines, and other premium content.
• Scenarios:
  • Paywalls: Charging a subscription fee for unlimited access to a news publication’s website.
  • Digital subscriptions: Recurring payments for access to premium content like online courses or magazine archives.
• Examples: The New York Times, Bloomberg, premium blog content. 

MAPPLCONNECT System entertains all these payments through its dynamic next generation platform.

Benefits of implementing digital subscription and recurring payments.

For Businesses

• Predictable revenue: 

MAPPLCONNECT’s API Gateway Platform provides a stable and reliable cash flow for easier financial forecasting and planning.

• Improved customer retention: 

We create long-term customer relationships and increases customer lifetime value.

• Reduced administrative work: 

MAPPLCONNECT’s API Gateway Platform automates billing and invoicing, freeing up resources and reducing the manual effort of collecting payments.

• Expanded offerings: 

MAPPLCONNECT’s API Gateway solution enables businesses to easily introduce new tiered plans, promotions, and add-ons. 

For Customers

• Convenience: 

At MAPPLCONNECT’s API Gateway Platform the “set and forget” model eliminates the need for manual payments, preventing service interruptions from missed bills.

• Budgeting ease: 

We make it simpler to budget for consistent monthly expenses.

• Seamless experience: 

We ensure uninterrupted access to services or products. 

2. Marketplace Split Payments (Aggregator Model)

SCOPE: MAPPLCONNECT’s marketplace split payment use cases include multi-vendor e-commerce platforms, where items from different sellers in a single cart are split and paid to individual sellers, and service marketplaces, like ride-sharing or freelance platforms, that divide earnings between service providers and the platform itself. These scenarios benefit from automated fund flows, increased trust through transparency, reduced manual workload, and the ability to scale operations efficiently.  

MAPPLCONNECT – Marketplace Scenarios for Split Payment.

Common Use Cases Scenarios: 

• Multi-Vendor e-Commerce Platform
• Description: A buyer purchases items from multiple third-party sellers through a single marketplace platform. 
• Example: A customer buys a shirt from one seller and a book from another, all in the same checkout. 
• Split Functionality: MAPPLCONNECT’s payments system automatically divide the total payment: a portion goes to the marketplace as a commission, and the remainder is sent to each individual seller. 
• Service Marketplaces:
• Description: Platforms that connect customers with service providers, where the platform facilitates the transaction and collects a fee. 
• Examples: Ride-sharing apps (Uber, Lyft), food delivery services (DoorDash, Uber Eats), and freelance platforms (Upwork). 
• Split Functionality: MAPPLCONNECT’s payments system automatically split between the service provider and the marketplace the earnings from a completed job or service, for its role in connecting them and processing the payment. 
• Booking Platforms:
• Description: Websites or apps that allow customers to book various services, such as flights, accommodations, or appointments, often from multiple providers. 
• Example: A user books a hotel stay through a platform, and the payment is split between the hotel and the booking platform. 
• Split Functionality: The MAPPLCONNECT’s payments system platform receives a commission or fee from the provider, and the rest is paid to the service provider. 

MAPPLCONNECT – Marketplace Scenarios for Split Payments in Aggregator Model.

Common use case scenarios:

Multi-vendor e-commerce platforms

In this classic marketplace scenario, a customer purchases items from different sellers in a single checkout, and the platform automatically handles the payment distribution.

• Customer experience: A shopper adds items from three different sellers to their cart and pays for everything in a single transaction.
• Payment split: The aggregator’s PSP instantly splits the total payment. The platform keeps its pre-determined commission, and the remaining funds are distributed to the correct vendor accounts.
• Operational benefit: The marketplace avoids the complexity of manual reconciliation and ensures that sellers receive their payouts faster, which increases their satisfaction. 

On-demand services (e.g., ridesharing and food delivery)

Aggregators in the on-demand economy connect customers with service providers. Split payments ensure fair and automatic compensation for each service completed.

• Customer experience: A user orders a taxi ride through an app.
• Payment split: Once the ride is completed, the payment is automatically split. The driver receives their earnings, and the platform retains its service fee.
• Operational benefit: The process allows for real-time payments to the driver and minimizes administrative overhead for the aggregator. 

Online travel agencies (OTAs)

Online travel platforms aggregate flights, hotels, and tours from various providers. Split payments streamline complex booking transactions with multiple beneficiaries.

• Customer experience: A customer books a vacation package that includes a flight from one airline, a hotel from a major chain, and a guided tour from a local operator.
• Payment split: The total booking cost is automatically distributed to the airline, hotel, tour operator, and the OTA (for its commission), all from the customer’s single payment.
• Operational benefit: The OTA ensures each service provider is paid correctly while simplifying the checkout experience for the customer. 

Digital goods and creator marketplaces

Platforms where creators sell digital products like stock photos, e-books, or fonts can use split payments to distribute royalties and commissions.

• Customer experience: A designer purchases a bundle of stock photos and fonts from different creators on a digital marketplace.
• Payment split: The payment is automatically split, with each creator receiving their share of the sale. The marketplace takes its fee for providing the platform and processing the transaction.
• Operational benefit: Creators are compensated quickly and transparently, encouraging them to continue using the platform and supplying high-quality content. 

Freelance and gig work platforms

Sites that connect clients with freelancers for project-based work use split payments to ensure the client, the freelancer, and the platform all get their share of the payment.

• Client experience: A client posts a project and hires a freelance graphic designer.
• Payment split: The client pays the full amount upfront. The platform holds the payment in escrow until the project is completed and approved. At that point, the funds are automatically released, with the freelancer receiving their pay and the platform taking its service fee.
• Operational benefit: The escrow feature adds a layer of security for both the client and the freelancer, increasing trust in the platform. 

Benefits of Using Split Payments in Marketplaces.

MAPPLCONNECT Digital Payments Processing Platform offers multiple benefits to clients, merchants and primary service providers.

• Automated & Scalable Operations: 

MAPPLCONNECT’s API Gateway reduces manual effort and allows marketplaces to handle a large volume of transactions efficiently and without errors. 

• Enhanced Trust & Transparency: 

At MAPPLCONNECT’s API Gateway sellers receive clear, timely payments with an itemized breakdown, fostering trust and loyalty within the ecosystem. 

• Streamlined Payouts: 

With MAPPLCONNECT’s API Gateway marketplaces can manage the entire payout process from a single point, distributing funds to multiple sellers with minimal administrative overhead. 

• Enhanced user experience: 

Our customers can make a single payment for products or services from multiple vendors, creating a frictionless checkout process.

• Streamlined operations: 

The automation of payment routing at MAPPLCONNECT’s API Gateway reduces the administrative burden of manual reconciliation and disbursement for the marketplace.

• Increased seller satisfaction: 

With MAPPLCONNECT’s API Gateway, vendors receive their payouts more quickly and reliably, which improves their cash flow and builds loyalty to the platform.

• Greater security and compliance: 

MAPPLCONNECT’s API Gateway is a standardized platform for a single entry point for all client requests to application’s backend services, that enable different systems and participants to exchange data and build synergies within the network securely. Regulatory compliance and Know Your Customer (KYC) regulations, protecting all parties involved.

• Flexible revenue models: 

MAPPLCONNECT’s API Gateway Platform can easily implement various commission structures, such as fixed fees or percentage-based cuts, based on specific rules. 

Service Status – Soft Launch – Full Scale Service –  JANUARY – 2026

MAPPLCOM has already launched it’s MAPPLCONNECT Payments Processing Platform in Pakistan and service is provisioned to its limited clients during soft launching period. Full Network Coverage shall be initiated from January 2026.

MAPPLCONNECT – NETWORK MAIN SECURITY CONTROLS AND DIGITAL PAYMENT PROCESSING CONTROLS & ALERTS

The main controls for a fintech digital network’s infrastructure include robust security measures like cybersecurity, interoperability standards such as API Gateways, secure platforms like private clouds or regulator-backed labs, and strict adherence to regulatory frameworks for data privacy and compliance. Additional controls involve using distributed database technology (DDT/DLT), implementing AI for fraud detection, and maintaining synthetic data generation tools within secure testing environments. 

MAPPLCONNECT NETWORK – MAIN SECURITY CONTROLS.

• Cybersecurity:

At MAPPLCONNECT API Gateway Platform, Cybersecurity is a fundamental control to protect against threats and vulnerabilities within MAPPLCONNECT’S digital networks. 

• Private Clouds/Secure Environments:

MAPPLCOM is committed to building and using infrastructure within secure, controlled environments, e.g. private cloud and regulator-managed labs (RegLabs), within the regulatory sandbox environment. 

Interoperability and Connectivity Controls

• API Gateways:

MAPPLCONNECT API Gateway Platform is a standardized platform for a single-entry point for all client requests to application’s backend services, that enable different systems and participants to exchange data and build synergies within the network securely. 

• Decentralized Database Technology (DDT/DLT):

MAPPLCOM developed its decentralized database technology that is shared and synchronized across the network and cryptographically secured, which supports transparent, secure, and verifiable transactions across the network.

Platform and Testing Controls

• Digital Testing Environments:

MAPPLCONNECT API Gateway Platform provides secure, controlled environments that use synthetic data and system images to test new solutions and ensure functionality without using real customer data. 

• AI/Machine Learning:

MAPPLCOM’s developed integrated tools are also available at MAPPLCONNECT API Gateway Platform for streamlining processes, enhancing decision-making, and improving services like fraud detection and customer support through chatbots. 

Regulatory and Compliance Controls

• Regulatory Compliance:

MAPPLCOM is committed to adhere to established financial regulations, including those for data privacy, non-bank activities, and cryptographical security.

• Data Privacy:

At MAPPLCONNECT API Gateway Platform strict measures are always taken to protect customer data and ensure compliance with privacy laws.

Operational Controls

• Synthetic Data Generation:

We only use tools to create realistic but non-sensitive datasets for testing and development purposes. 

• Know Your Customer (KYC) Services:

We implement robust identity verification processes to meet regulatory requirements and enhance security. 

DIGITAL PAYMENTS PROCESSING – MAIN CONTROLS AND ALERTS

Digitalisation, Data, Decentralisation, Democratisation, and Disruption

MAPPLCONNECT API Gateway Platform has plentiful main controls for digital payment processing, not limited to;

• Firewall & Access Control: Access restrictions are enforced through an external firewall as well as at the server level.
• Management Access Control: Administrative access is restricted via non-standard TCP ports and secured through VPN enforcement.
• Port Restrictions: All non-essential TCP/UDP ports have been disabled to minimize exposure.
• Service and Data Monitoring: Service and data activities are continuously monitored using SNMP-based network monitoring tools
• Database Security: Database connectivity is restricted to internal network access only, preventing any connections from external sources.
• Audit Trails: Immutable logging of all transactions and admin actions.
• Regular Vulnerability Scans: Automated scanning of infrastructure
• Secure Backups: Encrypted, off-site, and regularly tested
• Authentication is 3-way secured verification, 
• Tokenization to protect sensitive data, 
• Approval Control/Segregation of Duties is dividing responsibilities to prevent fraud, 
• Payment Limits, Device Security, and Digital Identity Verification to secure transactions and prevent fraud. 
• Other essential controls involve monitoring and auditing transactions, maintaining secure infrastructure, control over customer data, and ensuring Compliance with relevant regulations.

MAPPLCONNECT API GATEWAY PLATFORM- Key Controls:

Authentication

• 3D Secure (3DS): A security protocol for e-commerce transactions that adds an authentication step to verify cardholders and reduce fraud. 

Data Security

• Tokenization: Replaces sensitive payment data with a unique token, significantly enhancing transaction security and protecting against data breaches.
  • Device Security: Protecting the integrity and security of the devices used for payment processing, such as mobile phones and point-of-sale systems. 

Organizational Controls

• Segregation of Duties: Dividing responsibilities for different parts of the payment process among multiple individuals to prevent any single person from having too much control.
  • Payment Limits: Setting maximum values for individual transactions or total transactions within a specific timeframe to control potential losses. 

Process & Monitoring

• Monitoring and Auditing: Continuously monitoring transactions and regularly auditing payment systems to identify and address suspicious activities or weaknesses in the system.
  • Digital Onboarding and Identity Verification: The process of verifying the identity of new users and customers during the initial setup of digital payment accounts to prevent fraudulent account creation. 

Infrastructure & Compliance

• Infrastructure Security: Keeping the underlying technological infrastructure of the payment network secure to prevent breaches and maintain availability.
  • Regulatory Compliance: Adhering to all relevant industry regulations and laws, to ensure lawful and ethical operations.