01 / Platform
The financial interoperability control plane.
One orchestration layer across the payment lifecycle — connecting institutions, coordinating transactions and preserving a continuous transaction record.
01 / Payment lifecycle
A transaction is more than a transfer.
PulaPay coordinates the payment lifecycle across participating institutions, connecting the processes required to move a transaction from initiation through completion and reconciliation.
01 / Identity
Establish who is initiating the payment instruction.
02 / Validation
Validate the transaction before it progresses.
03 / Authentication
Authenticate the transaction through the appropriate institutional channel.
04 / Routing
Route the transaction through the appropriate participating institution.
05 / Authorisation
Coordinate authorisation within the participating institution’s framework.
06 / Settlement
Coordinate settlement across participating institutions.
07 / Reconciliation
Reconcile transaction records across participating institutions.
08 / Evidence
Maintain a continuous record of the transaction lifecycle.
One transaction. One continuous lifecycle.
02 / Channel independence
One transaction. Many channels.
PulaPay separates the customer’s access channel from the underlying payment journey. Customers and institutions can connect through the channels appropriate to their environment while the transaction remains within the same orchestration layer.
PulaPay Platform
USSD
Provider prompts
Bank channels
PulaPay transaction
Initiation / validation / routing / settlement / reconciliation
Channels feed the same transaction lifecycle.
03 / Institutional boundaries
Coordinate the journey. Preserve the institution.
PulaPay connects participating institutions without requiring them to replace the financial infrastructure, customer relationships or channels they already operate.
01
Money movement
Explore the domestic and cross-border journey patterns.
02
Orchestration
Explore how PulaPay coordinates the payment lifecycle across connected institutions.