Potential partners must submit a formal request after meeting the four eligibility criteria
The KRG team will assess technical and operational feasibility
Partners will be a subject to a risk-based assessment layer
Active banking or Wallet PSP license from CBI
Good standing with CBI / US treasury
Access to US dollar transactions (criterion waived if partner is enrolled in CBI’s reform program)
Active access to the CBI RTGS system (only applicable to banks)
Proven capability to meet e-Psûle technical requirements and pass integration testing
Demonstrated operational capacity to support high-volume transactions and meet SLAs
Established governance, support, and customer service infrastructure
Verified track record of strong performance in payments or related services
Positive feedback from client references, past partners, and institutional assessments
Demonstrated alignment with ethical, governance, and transparency standards
Proven reputation for integrity with no history of misconduct
Positive risk profile with minimal exposure to sanctions, political networks, or opaque ownership
Validated financial stability and long-term sustainability in the market
Assessed strategic fit based on market conduct, stakeholder confidence, and reputational impact
Update customer applications to support bill payments in line with KRG timelines, flows, languages, and approval requirements
Provide and maintain all infrastructure and ensure full integration with KRG APIs and authentication systems
Apply regular maintenance and notify KRG of planned downtime seven days ahead and unplanned downtime immediately
Accept full responsibility for any security, software, or connectivity risks originating from the partner’s systems
Use bill-related data only for approved internal purposes and erase all KRG data securely upon request or contract end
Record all daily transactions, reconcile them with KRG’s records, and resolve discrepancies by next working day
Use e-Psûle system outputs as the single source of truth for transaction data and ensure alignment across all operational reports
Transfer collected funds to the government’s designated account at the agreed frequency and ensure all transactions are settled accordingly
Promote the bill payment module using KRG-approved materials, and follow all branding, naming, and communication guidelines
Support customers by handling issues promptly, escalating unresolved cases to KRG teams within 24 hours, and maintaining trained staff for effective resolution