Agency bill pay and NAMQR: integrate faster without skipping diligence

Fintechs lose months negotiating bilateral access to billers and QR schemes. The NamPost module ships mock NAMPAY/IPN endpoints, agency commission engine, and NAMQR generate/scan paths aligned to platform contracts—so you validate product logic before commercial MOUs.

What is pre-integrated

• Agency: NamWater, MTC, municipal presentment with tariff-accurate fee + commission in responses.
• NAMQR: Tag 26 IPP alias + Tag 65 Token Vault validation; offline batch replay.
• PIS + 2FA: Every initiation requires step-up token—mirrors PSD-12 supervisory language.
• USSD channel: channel: ussd on shared backend; simulator codes documented in channel matrix docs.

Diligence that still applies

• Your consumer benefit narrative in NPIF application (min 200 chars).
• Idempotency on retries—Ndishi's spaza depends on it.
• Rate limits and cap banners in the participant portal.
• Regulator reporting—fee drift triggers amber on Observation Deck.

Anti-pattern

Treating pre-integration as permission to skip disclosures. PSD-10 fee lines must appear in UX and API payloads—same business rule, two representations.

Apply for the payments track at /nampost/payments.