Services

Bahar E-commerce offers various products in different formats such as mobile application, web application, operating license and API, to different individuals, organizations and groups. Bahar’s dynamic technical infrastructure has made this company one of the first providers of integrated solutions in various fields of financial technology (Fintech); these solutions are based on public and specific mobile applications and can be defined in personal and organizational areas.

Digital Wallet Infrastructure
Digital Wallet Services
Linking Digital Wallet to the Card
POS Device Enabler (Modex)

Having your own wallet infrastructure

Bahar infrastructure includes a comprehensive list of digital wallet services, which can generally be classified as following:
• Basic information management (token management, wallet type management, user management)
• Reports (standard financial reports (balance and ledgers), customer and deposit reports, facility and credit reports)
• Transaction management (apportionment and commission services, transaction status, transaction limits, refund services)
• Management of tools and channels (definition and management of branches, mobile bank/panel/card/API/QR Generator/IPG/WPG)
• Management of customers and deposits (customer definition, acceptor definition, Rial and foreign currency account opening, blocking and un-blocking, support for multiple wallets, wallet management)
• Management of facilities and credits (creating a credit file, granting facilities, repayment of installments, facilities related to credit/installment purchases)
•Accounting management (definition of accounting headings, issuance of accounting documents, management of financial documents in different fields, reconciliation)
•Various management dashboards (based on the needs of business managers)
•Log management dashboard (preparation of reports, maintenance and search of logs)

What are the features of this infrastructure?

The most important feature of Bahar wallet infrastructure, which distinguishes it from other wallets, is its implementation on the basis of the comprehensive banking system (Core). Bahar wallet infrastructure is available in various formats and according to the needs of customers in three categories: API, Branded infrastructure and White Label Infrastructure, according to the needs of businesses.

What customers is this infrastructure suitable for?

Bahar wallet services and infrastructure can be used in the following three modes:
•Service (API): Bahar company is ready to provide services to businesses with more than 130 basic and atomic financial banking services. This company is also able to offer all kinds of combined services to its customers.
•Branded infrastructure deployment: In this case, the digital wallet infrastructure will be deployed entirely on the customer’s servers.
•White Label Infrastructure deployment: In this case, the digital wallet infrastructure will be deployed entirely on the customer ‘s servers and with the customer’s brand.
According to their needs, businesses can choose and use the version they need.

Having own digital wallet on your app

In general, Bahar digital wallet services, which can be provided in the form of API, can be classified as following:
•Providing digital wallet services in API format
•Wallet Payment Gateway
•Wallet linked to the card
•Providing the necessary tools and documents to manage the wallet
•The possibility of buying by wallets on store terminals
•Host-to-host interconnectivity services
•Services that can be provided on the wallet platform with the participation of banks and payment service companies
•Possibility of depositing money, withdrawing money, balance, purchase, transaction report and refund

What are the features of this infrastructure?

All Bahar digital wallet services are designed based on a centralized banking infrastructure and all financial issues of the wallet are based on the standard processes of registration, reconciliation of a bank. In general, Bahar’s centralized banking system provides all products, banking services, management operations and their management through access to a common and centralized database. The flexibility of this system and its customer orientation are its important features.

What customers is this infrastructure suitable for?

Bahar offers a variety of wallet services in the form of API and in compliance with various security and user standards to organizations in a customized way. Therefore, businesses that want to use digital wallet services at an affordable cost can use the API format. Banks, public institutions, telecommunications companies, capital market institutions and other organizations providing financial and public services can use these services.

Linking your digital wallet to the card!

By offering new services such as linking the digital wallet to a card, Bahar infrastructure provides new methods of services for customers to open a door to modern technologies in their business.

What are the features of this infrastructure?

•The possibility of using all benefits of the wallet by card
•Easier and more common use of the card in financial transactions (Account or Wallet based)
•The dominant tendency of customers to use the card
•The possibility of choosing the transaction method for the customer (IPG, card and QR code)

What customers is this infrastructure suitable for?

This category of services is suitable for those businesses that want to provide new payment services to their customers.

Empowerment of old POS devices

The advancement of technology in the new fields of wallets, including NFC, Tap&Go, and the increase in people’s familiarity and acceptance of payment facilities, such as wallet payments, discounts, coupons, vouchers, loyalty, and scoring, have provided this opportunity to create a new approach to using POS devices. Despite the advancement of technology and the increasing desire to use new payment methods, old POS devices prevent the implementation of these methods in the offline sector. Bahar E-commerce solution in this regard is to provide a device to increase the performance of normal POS terminals, which is connected to the POS device through a RS232 port.

What are the features of this infrastructure?

The following items can be mentioned among the features of the POS capabilities development device:
•Internet connection (LAN, Wireless, GPRS)
•Connecting to mobile apps (payment apps, loyalty systems, value-added services, calculators, etc.)
•NFC (Tap and Go)
•Connecting to store equipment (QR display, barcode reader, printer, PC-POS systems, calculator, scale, etc.)
•API Service Call (Top-up, billing, tolls, tariffs, etc.)

What customers is this infrastructure suitable for?

This category of services is suitable for all merchants who use POS devices and want to add other functions to these devices.