Digital wallet support for citizen payments

Purpose

1.1. Automate acceptance of citizen payments for property registry services using digital wallets.
1.2. Enable seamless, automated transaction processing, ensuring timely fee collection and reducing manual handling in the land registry office.
1.3. Automate issuance of receipts and payment confirmations, integrating with financial records and property registration systems.
1.4. Provide multi-wallet support, allowing citizens to choose from diverse, commonly used wallets for swift, automated payments.
1.5. Automate audit trails, reconciliation, and reporting for financial compliance and transparency.

Trigger Conditions

2.1. Citizen initiates a payment for a property registration or service online or in person.
2.2. Payment request generated from land registry portal or system.
2.3. Automated status update triggers upon payment completion or failure.
2.4. Scheduled batch processes for reconciling daily digital wallet transactions.
2.5. Automated workflow triggers for refund requests or payment disputes.

Platform Variants

3.1. PayPal
• Feature/Setting: REST APIs (Create Order, Capture Payment) — automate complete transaction life cycle from request to receipt.
3.2. Stripe
• Feature/Setting: Payment Intents API — automate secure digital wallet payment collection and event-driven notifications.
3.3. Google Pay
• Feature/Setting: Google Pay API for Web — automate wallet initiation and confirmation within the registration portal.
3.4. Apple Pay
• Feature/Setting: Apple Pay on the Web (PKPaymentAuthorizationViewController) — automate checkouts and integrate with automated receipt delivery.
3.5. Samsung Pay
• Feature/Setting: Samsung Pay SDK — automate in-app payment flows and confirmations.
3.6. Razorpay
• Feature/Setting: Payment Links API — automate creation and management of pay links sent to citizens.
3.7. Square
• Feature/Setting: Square Payments API — automate multi-channel digital wallet collection and end-of-day reconciliation.
3.8. Adyen
• Feature/Setting: Checkout API (Wallets Integration) — automate omni-channel payment acceptance for property transactions.
3.9. Amazon Pay
• Feature/Setting: Amazon Pay API — automate citizen payment verification and dispute resolution.
3.10. WeChat Pay
• Feature/Setting: WeChat Pay JSAPI — automate real-time notifications on successful digital wallet payments.
3.11. Alipay
• Feature/Setting: Cross-border Wallet API — automate international digital wallet acceptance for non-resident property transactions.
3.12. Venmo
• Feature/Setting: Braintree Venmo Integration — automate mobile wallet payments via trusted US platforms.
3.13. Zelle
• Feature/Setting: Zelle Financial Institution API — automate direct peer-to-peer wallet payments for land registry fees.
3.14. Worldpay
• Feature/Setting: Worldpay Online Payments API — automate integration with global digital wallets and streamlined financial reporting.
3.15. Dwolla
• Feature/Setting: MassPay API — automate bulk refunds or payment payouts to citizens in the event of overpayment.
3.16. Mollie
• Feature/Setting: Wallets API — automate payment method selection, transaction monitoring, and alerts.
3.17. PayU
• Feature/Setting: API Integration with digital wallets — automate secure in-country payments and settlement automation.
3.18. Skrill
• Feature/Setting: Skrill Quick Checkout API — automate frictionless wallet payment flows.
3.19. Klarna
• Feature/Setting: Klarna Payments API — automate payment scheduling, reminders, and overdue notices.
3.20. Revolut
• Feature/Setting: Revolut for Business API — automate property registration payments and instant settlements.
3.21. Barclays Pingit
• Feature/Setting: Pingit API — automate QR-code enabled digital wallet payments for on-site property offices.
3.22. Payoneer
• Feature/Setting: Payment Request API — automate cross-border collection and automated notifications for completed transactions.
3.23. Wise (formerly TransferWise)
• Feature/Setting: Wise API — automate automatedly currency conversion for international buyers and settlement into registry accounts.

Benefits

4.1. Automate citizen payment experience and increase overall service efficiency.
4.2. Reduce fraud and manual handling through automated verification and status updates.
4.3. Automate financial reconciliation, audit, and compliance operations.
4.4. Enable scalability and future-proofing via wallet-agnostic automation frameworks.
4.5. Reduce payment delays with automated reminders, confirmations, and real-time transaction monitoring.
4.6. Increase citizens’ satisfaction by automating flexible, secure multi-wallet payment options.