Tivani / Platform
Payments & Settlement
Lower default rates and full payment flexibility, integrated with the credit core. Make payment and repayment automated, secure and seamless — from installment autopay to merchant-network settlement.
The problem
Payment challenges in credit infrastructure
Payment islands split from credit
When the gateway and the credit core are separate systems, reconciliation becomes the finance team’s daily nightmare.
Friction-driven default
Every extra click on the installment-payment path raises delay and default risk.
Manual merchant settlement
Computing fees and periodic settlement for dozens of merchants without automation is slow and error-prone.
The solution
What Tivani changes
Direct national-network connection
Integration with the Shetab network and contracted PSPs for instant credit allocation and settlement.
Installment autopay
Automatic deduction from wallet or credit account at due date — a measurable drop in defaults.
Credit Payment Gateway (CPG)
A dedicated gateway with fast installation, online and in-person acceptance, and QR onboarding for offline merchants.
Intelligent merchant settlement
Settlements run automatically per predefined payment terms and discount plans.
Value
The value Tivani creates for you
Zero reconciliation gaps
Payments and credit post to a single ledger; manual reconciliation disappears.
Lower default rates
Frictionless payment plus smart reminders lift installment recovery.
A superior merchant experience
Transparent, on-time settlement turns merchants into ambassadors of your network.
Tooling
Key tools in this module
AutoPay
Automatic installment deduction at due date from the user’s chosen source.
Credit Payment Gateway
A credit gateway with rapid deployment for online and in-person acceptance.
QR Acceptance
Bring offline merchants into the network via QR, with no infrastructure change.
Card Linking
Allocate credit to bank cards for use at contracted PSP POS terminals.
Settlement Engine
Automatic merchant settlement per contract, period and fee plan.
Reconciliation
Automatic transaction reconciliation on the real-time ledger.
Other platform modules
Ready to upgrade?
Talk to the Tivani team and see how this module transforms your organization’s credit infrastructure.