Matched payments
92.6%
Automatically confirmed
Institutions move from bill issuance to citizen payment to bank settlement using a controlled reconciliation workflow.
The engine confirms bill reference, institution, amount, and settlement ledger dimensions before closure.
Operations teams review amount variances, duplicate posts, and delayed bank files without losing audit traceability.
Pending settlements are grouped so finance officers can release batches only after treasury confirmation.
Reference process from bill issue to settlement confirmation.
| Step | Owner | Output | Status |
|---|---|---|---|
| Government bill issued | Institution | Bill in PayNow | Complete |
| Citizen pays | Citizen | Payment created | Complete |
| Payment recorded | Transaction service | Ledger update | Complete |
| Bank settlement | Settlement | Batch available | Pending |
| Reconciliation confirms match | Institution finance | Closed item | In progress |