DIGI-SAL is an innovative closed loop digital salary card issued in partnership with participating financial intuitions for WPS card holders.

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Introduction to DIGI-SAL

DIGI is launching an innovative product DIGI-SAL for the unbanked. This aims to redefine the WPS process for employees and employers by digitalizing the process and making it a contactless process. DIGI-SAL will sit on top of your existing WPS mechanism and work as an add-on feature of a virtual card in the Mobile App of the user. DIGI-SAL has 2 built-in benefits. The first part is its use as a closed-loop salary card as it is issued in partnership with participating entities. The second part is the use of the balances in the salary card for remittances or purchases from participating merchant.

This can be used as an add-on for the physical card or as a replacement of the physical card. The virtual card works with a QR code. The merchants onboarded as a payout agent will have their own QR code. Each branch of the FI will also be considered as a merchant location. The WPS customer can use his smart phone to either withdraw cash from the counter of the merchant or pay for his purchases using the QR Code


Key Features

DIGI-SAL is a fully integrated, customizable and robust software capable of executing WPS transactions end-to-end, with additional features like virtual cards, QR code-based transactions and executing inhouse transfer for remittances under DIGI-TRANS.

Main features and capabilities of the DIGI-SAL includes:

Virtual card

Virtual card

Additional built-in biometric

Additional built-in biometric
identification security features

API integrations

API integrations




DIGI-SAL allows its users to use the app as a virtual closed loop card for the WPS salaries from the participating WPS agents. The withdrawal will be enabled by the use of e-POS and /or use of QR code-based applications available with the participating WPS agents and merchants. In the near future, DIGI-FIN will also be integrating the app with merchants to pay for online purchases.

While using DIGI-SAL, the users can be identified by the merchant by scanning the QR code of the user or allow the user to scan the QR code of the merchant. Once identified, the user can proceed, using his T-PIN and confirm the amount required to be utilized.

A user initiating a transfer request from the DIGI-TRANS module can instruct the participating WPS agent to utilize the available balance for the remittance. Once advised, FI will keep the funds in hold and utilize it to settle the transaction. This ensures that the user and the remitting agent are fully protected of any fraudulent attempts.


DIGI-SAL is the digital solution for the WPS offerings of an approved agent. It is a secured closed loop solution within the control of the institution and provides an instant solution for the payment of smaller amounts of salaries which are not disbursed by ATM’s. Since the mobile app is the medium between the user/employee and the WPS agent, the risk of theft and misrepresentation are taken care.


    To the user

    ◈ Ability to have full details of salaries at the touch of a button

    ◈ Seamless experience for remittance

    ◈ Can withdraw till 0 balance

    To the Agent

    ◈ No change in WPS process

    ◈ Possibility of API with WPS system

    ◈ Can increase the WPS clients with the digitalization


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