Biller Infrastructure
Codalm offers an intelligent billing backbone that automates complex billing workflows, optimizes payment routing, and streamlines reconciliation to reduce operational overhead and improve financial accuracy.
Intelligent Infrastructure for Billing and Collections
Codalm’s Biller Infrastructure is an enterprise-grade, cloud-native platform designed to power end-to-end bill presentment, payment processing, reconciliation, and settlement across multiple industries. It enables banks, fintechs, payment service providers, aggregators, utilities, telecoms, and large merchants to deploy scalable bill payment ecosystems without the complexity, cost, and operational risk of building and maintaining proprietary billing backends.
The platform provides a unified foundation for onboarding billers, managing complex billing models, orchestrating payments across multiple rails, and delivering secure, compliant, and auditable financial operations at scale.
Core Platform Capabilities
- Biller Onboarding and Management
- Billing and Invoice Management
- Reconciliation and Settlement
- Integration and APIs
- Notifications and Communications
- Reporting, Analytics, and Insights
- Security, Compliance, and Governance
- Reliability and Operations
Commercial and Engagement Models
- Transaction-based pricing with predictable unit economics.
- Tiered platform subscriptions based on volume and feature sets.
- Enterprise licensing for private deployments
- Optional premium support, dedicated SLAs, and custom integrations.
Typical Use Cases
- Banks and digital wallets offering integrated bill payment services.
- Utilities and telecoms digitizing bill presentment and collections.
- Aggregators managing multiple billers through a single platform.
- Government agencies collecting taxes, levies, and service fees.
- B2B platforms automating invoicing, collections, and settlements.
