Payment Instrument Maintenance

In order to use Simfonie, you must specify at least one Payment Instrument. A Payment Instrument can represent an account with a Financial Institution, or a virtual account or wallet (eMoney account) within Simfonie.

If the Payment Instrument represents an account with a Financial Institution, it can take on different forms. For example, it may represent a credit card or a debit card and identified within Simfonie by a card number.

A Virtual Wallet on the other hand may not have physical card associated with it. However, it can be used to pay for goods and services in the same way that a physical Payment Instrument (credit card or debit card) can be used to make online purchases. A Virtual Wallet is identified within Simfonie by its unique eMoney account number that is created and managed with GFG's Cadencie product or another virtual wallet management system integrated with Simfonie.

Subscribers must specify a Payment Instrument during a payment transaction in Simfonie, such as Mobile Airtime Top-up (own phone or another Simfonie Subscriber's phone), bill payment, product purchase and remittance payment.

The Maintain Payment Instruments Screen displays a list of your payment instruments. From this screen, you can view and maintain details of each payment instrument, add new payment instruments, or change the status of existing payment instruments.

Click here to display the fields and functions on the Maintain Payment Instruments Screen.

To view existing payment instruments

You must be logged on to Simfonie to be able to view your Payment Instruments.

1. Click the Payment Instruments hyperlink from the Subscriber Hub. The Maintain Payment Instruments Screen is then displayed.
2. The registered payment instruments for the user are then displayed. To view the details of a payment instrument, click its corresponding hyperlink from the User Reference column.

To Add a new Payment Instrument

1. On the Maintain Payment Instruments Screen, click the New Payment Instrument button. Simfonie performs checks to ensure that you are allowed to add a new Payment Instrument.
   • If you are not allowed to add a payment instrument (for example, you have added too many in one day), an error message is displayed.
   • If the system checks are successful, the Maintain Payment Instrument Details Screen is then displayed.
2. Enter the following information:
   • The Payment Instrument type, for example, a credit card, a debit card or a virtual wallet.
   • The card number or account number.
   • A user reference for the payment instrument which enables a Subscriber to enter a personal description of the payment instrument.
   • The expiry date of the payment instrument, if required by the Operator FIN.
3. Click the Save Account button, Simfonie performs checks to ensure the payment instrument is valid and can be added to the system.
   • If validation fails, an error message is displayed advising the error.
   • If successful, additional information may be required, according to your Operator's business rules and the payment instrument type being registered. Otherwise, the new payment instrument is successfully added and you are returned to the Maintain Payment Instruments Screen.