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Emerald™ Product Overview

Emerald™ is a flexible VAS transaction platform for distributing virtual and third-party products across dealer networks. It streamlines the management of airtime, data, electricity, and vouchers through an integrated processing system, hierarchical distribution, and user-friendly management interfaces

Single API Integration Point

Scale across Africa with ease! Emerald™ provides a single API integration point for multi-territory airtime, data, and SMS distribution across Africa. Access a comprehensive range of operator-specific denominations through one connection, with flexible product offerings tailored to the availability of each local Mobile Network Operator (MNO).

Emerald™ Prepaid Services

PINned & PINless Airtime

Emerald™ is directly integrated to all Major MNOs in South Africa and can likewise be integratedbto other MNOs in additional territories, as we are in various African Territories. In doing so, we enable you to distribute Airtime which is either PINned, or PINless. PINned Airtime is the traditional Voucher, which is accompanied by a PIN that must be entered correctly to enable redemption. PINless airtime only requires the recipient’s phone number and the amount. Coupled with our Number Portability Service, which determines the MNO, the purchase of airtime is easy, instant and low‑risk.

Variety of Prepaid Services

With Emerald™ you can resell and distribute various prepaid services such as Airtime and Electricity based on our existing Service Provider integrations. In addition, Emerald™ can be used to provide various other prepaid utility services, such as Transport Ticketing, Health Care prepaid services, Education prepaid services and Alternative energy prepaid services.

The Prepaid Market

There is an international trend to distribute and
consume prepaid services, where the additional
administration of connecting and disconnecting
utilities, dealing with post‑paid accounts,
settlements and disputes, and experiencing surprise disconnections can become a thing of the past. Prepaid services enable easier budgeting and control over consumption, as it is used when it is needed.

Distribution Methods

Prepaid services can be exposed to retail outlets, where the batches of pre-generated vouchers are dispensed at tills as is currently done for Airtime, or distributed by Agent Networks, Sold via USSD on mobile-transacting platforms or online banking platform.

More Emerald™ Services

Distributing Vouchers via Agent Networks

Increasing the footprint of your business with USSD Services might not be enough to reach the full capacity of your market, and it can be beneficial to deploy with an Agent Network in some cases, especially with prepaid services. This not only increases turnover but also takes advantage of SME creation incentives. Emerald™ has a flexible and scalable hierarchical structure that enables the creation of complex Distributor, Super Agent and Agent relationships for the distribution of your vouchers to consumers.

Retail Vouchers & Coupons

Emerald™ can generate vouchers or store third‑party vouchers in the secure voucher vault for distribution and redemption. As such, Emerald™ is ideal for the generation of Retail or Value-based vouchers to be distributed in specific or ongoing retail or service campaigns. Emerald™ has been deployed in various Retail-based Rewards programmes to this end.

Bespoke Vouchers

Create your own batch of vouchers.

Emerald™ is flexible enough to enable you to create your own vouchers with custom values. Increasing the footprint of your business with USSD services might not be enough to reach the full capacity of your market, and it can be beneficial to deploy an Agent Network in some cases, especially with prepaid services. This not only increases turnover, but also takes advantage of SME creation incentives. Emerald™ has a flexible and scalable hierarchical structure that enables the creation of complex Distributor, Super Agent and Agent relationships for the distribution of your vouchers to consumers.

Emerald™ Business Solutions

1. Agent Distribution

Emerald’s Hierarchical Structure
Emerald™ is enabled with a powerful, yet simple Back End CAP (Central Administrative Portal) Interface, which
allows you to control and configure various levels of hierarchical structures for the distribution of your vouchers and
the movement of money in the system. The Hierarchy enables the creation of branches, sub-branches, distributors, and levels of Agents, as an example.

This allows the movement of money from the sale of vouchers, with commission structures, to move to the top, while vouchers are distributed to the lower levels. There is full control over vouchers in the hierarchy, as well as each pre-funded account of each hierarchical entity – thus reducing fraud, recon time, and distribution risk.

The Roaming Agent model
There is a growing need for prepaid services to be available everywhere, while there is a large number of SMEs needing opportunities. Enabling vendors, street merchants, and roaming agents to resell and distribute prepaid solutions to consumers wherever they are. The Agent pre-funds their account, purchases vouchers, coupons or tickets for various services they want to sell, where vouchers are then received to distribute via a mobile interface, App, or POS.

2. Retail Integration for Distribution

Batch File Generation & Export
Emerald™ can provide vouchers in any required file format, which can be exported and sent securely to any Major Retailer for distribution and sale on their POS systems. PMT™ currently provides vouchers to large Retailers in South Africa for Emerald™ Voucher solutions. Our support processes ensure that this is done securely and without incident, and we offer 24/7 support and monitoring on these kinds of services.

Real-time Direct Integration
PMT™ is an integration specialist, having integrated with large Retailers, Banks, Insurers, Loyalty Engines, MNOs and more. PMT™ can facilitate a direct integration to Emerald™ for an integrated redemption and distribution transaction where required.

3. Central Administrative Platform

The Central Administrative Platform or CAP Portal is the Front-End interface of the Emerald™ system. This interface enables Users to perform administrative and functional tasks such as:

  • Registration and management of companies, sub-companies and Agents/Users
  • User Password and Pin control
  • User permission control
  • Construction of desired channels of product distribution
  • Assign limitations to respective channels of product distribution
  • Progressive management of Businesses Operations
  • Control over Administrative Functions
  • Generate, Activate and Deactivate Emerald™-encrypted vouchers.
  • Generate MIS Business Reports.

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