Corelink / Platform / Citizen & Government

Payment Gateways. Central revenue collection. TSA-routed. Audit-ready.

A Digital Public Infrastructure (DPI) payment gateway for governments and the institutions citizens transact with. Route P2G, B2G and G2P flows across mobile money, banks, cards and agent networks — with central revenue collection that lands in Treasury Single Account (TSA) or non-TSA pots, fully reconciled.

/ Built to ISO 20022 ISO 8583 PCI-DSS aligned OpenAPI EMV 3-D Secure Mobile-money APIs
/ Capabilities

Everything Payment Gateways handles for you.

/ 01

Citizen & business to government

Person-to-government (P2G) and business-to-government (B2G) collections, every payment instrument supported.

Mobile money

MTN, Airtel, Zamtel and regional wallets — direct collection with same-day settlement.

Card & bank rails

Visa, Mastercard, local bank rails, EFT, RTGS — one integration, every channel.

Agent & over-the-counter

Cash-in at agents and bank branches with instant reconciliation back to the originating service.

QR & deep links

Generate per-bill QR codes and one-click payment URLs that pre-fill the right amount, reference and recipient.

Refunds & reversals

Audit-trailed refunds with the same channel discipline as collections.

/ 02

Government to person

G2P disbursements at scale — salaries, social transfers, refunds, grants — with deduplication and beneficiary verification built in.

Bulk disbursement

Upload or API-driven bulk payment runs with multi-signatory approval before release.

Beneficiary verification

Cross-check against civil registry / digital ID before payout to prevent ghost payments.

Channel preference

Beneficiaries receive via their preferred channel — mobile money, bank account or pickup voucher.

Tax / deduction handling

Auto-apply statutory deductions (PAYE, NAPSA, NHIMA) before disbursement.

/ 03

Central revenue collection

Every cent collected from a citizen or business is reconciled and routed to the right Treasury pot — TSA or non-TSA — in real time.

Treasury Single Account (TSA)

Real-time sweep to the central TSA with the originating service code and ministry tagged.

Non-TSA pots

Off-TSA agencies, parastatals and special funds receive into ring-fenced accounts with the same audit discipline.

Smart payment routing

Routing rules per service, per ministry, per fund — updated centrally without touching the citizen-facing service.

Reconciliation

Three-way reconciliation across citizen receipt, channel settlement and Treasury credit. Discrepancies surfaced same-day.

Revenue dashboards

Live collection dashboards by ministry, service, channel and region for finance leadership.

/ 04

DPI role & interoperability

A payments rail that other systems plug into — not a captive product. The DPI layer for government collections and disbursements.

Open APIs

REST + ISO 20022 messages so e-services, line-of-business apps and partner platforms integrate cleanly.

Service catalogue federation

Any e-service across any ministry becomes payable through the same gateway with a single integration.

Identity bridge

Plugs into national digital identity for high-value transactions requiring strong KYC.

Audit trail

Cryptographic, regulator-defensible audit logs for every transaction across every channel.

Sandbox & certification

Partner banks, mobile-money operators and PSPs onboard through a self-serve sandbox with certification stages.

/ Experience

Battle-tested in the field.

A small selection of where we've delivered customized Payment Gateways solutions. Reference calls available on request.

  • / 01 Routes payments for live government e-services across multiple MDAs
  • / 02 Mobile-money, bank and card rails certified with major Zambian operators
  • / 03 TSA and non-TSA routing live in production
  • / 04 Plugs into Corelink E-Services, Membership Management and EduRole Campus finance modules
/ How it fits

Designed to plug into the systems you already have.

Payment Gateways is part of the Corelink platform — deployed standalone, or integrated with the rest of the suite. Open APIs and pre-built connectors mean you don't have to rip out what works.

See the full platform
/ Integrations
  • REST & GraphQL APIs
  • OIDC / SAML SSO
  • LDAP / Active Directory
  • Microsoft Dynamics
  • Sage / SunSystems
  • PostgreSQL / SQL Server
  • Office 365 / SharePoint
  • Mobile money & banks
  • AWS / Azure / On-prem
  • Webhooks & events

Want to see Payment Gateways running?

We'll set up a working demo on your data, in your environment. Most demos take less than two weeks to stand up.