White-Label Digital Wallet Software Platform
Flexible and scalable ledger layer software to build a standalone digital wallet on top or add electronic asset accounting functionality to your existing product. Accelerate your time-to-launch and conquer new markets with SDK.finance ewallet software.Contact us
Cloud-hosted digital wallet software for a quick start
No commitment or hefty investments. Enjoy the convenience of the pay-as-you-go pricing model and let us handle the ewallet app engine maintentance.
Cloud-deployed and hosted wallet backend app, maintained completely by the SDK.finance team
Works in any country
Your database is hosted on your company's server. Regardless of location, regulatory compliance will be easier to ensure.
400+ digital wallet API endpoints let you connect your payment solution to a broad set of customer services fast and cost-effectively.
Build the ewallet people will prefer
SDK.finance ewallet provider offers the foundation needed to equip your digital wallet product for success to make it your clients’ favourite and meet their financial needs.
From currencies and bonus points to coffee beans and liters, deal with almost any type of assets using our transaction core platform as a foundation. Add as many currencies or other asset types to the digital wallet system as you deem necessary, without any limits.
Integrate with a banking network to provide bank payments: IBAN, SWIFT to satisfy your users’ financial services needs and let them transfer funds to bank accounts. This is an opportunity for your digital wallet product to attract different audience segments and increase the turnover.
Provide internal P2P transfers, irrespective of the location. Whether it’s a transfer to a friend at the bar or sending money overseas, let your users do it in a few clicks, saving them from the transfer-related hassle. Enable payments between cards, wallet and mobile via an integration with the corresponding service or payment providers.
Integrate local vendors to enable utility bills and broadband payments, mobile phone recharge, and payments for other popular services.
Help your customers’ track their expenses by displaying them in the form of charts and graphs. Add up to the convenience via a map of transactions based on the location they were made.
Enable customers to open their wallets in multiple currencies and perform currency exchange within their wallets.
Ewallet solution for boundless growth
Enter the new markets
Catch the opportunity to reach the underserved population in areas where the demand for digital wallet services is growing and popular payment providers don’t operate (like the Middle East and Africa). Leverage multilingual and multicurrency capabilities to acquire customers in any region.
Open new revenue streams
Our virtual wallet software can be used to build a loyalty or rewards program, provide meal vouchers for employees, gift of prepaid cards etc. – just to name a few of the use cases. Monetize each customer segment via flexible commissions and operations fees and limits. Achieve a balance between delivering value to customers and increasing your bottom line.
SDK.finance digital wallet solution use cases
Thanks to its adaptability and flexibility, our ewallet platform caters for various industries and business types.
Below there are just a few examples of how it can be implemented to open new revenue streams for established businesses.
Connect sellers and buyers by enabling peer2peer transfers between them in different currencies. Create an escrow-like intermediary role to keep the money after it has been paid till the buyer is satisfied with the purchase to secure the funds.
Build a rewards program around a closed-wallet system. You can introduce prepaid, gift or bonus cards, maintaining a record of each operation, updating balances in real-time, which will bring more value for your customers or employees.
Leverage the software from a digital wallet provider to set up a new revenue stream. Provide customers with an alternative to a bank account - let them receive and send money plus complete payments with their mobile balances.
Integrate a ledger layer for asset accounting into your existing product or business. Assign a wallet to each unique device, vehicle, or appliance and use it to store, transfer, and monitor any asset of your choice.
Stay competitive and receive additional revenue by providing mobile wallet services 24/7 to your customers on-the-go.
Let your customers store their assets in their wallets and pay using them, for convenience and deeper engagement.
One-stop-shop digital wallet solution
With e-wallets, there’s no one-size-fits-all solution, but SDK.finance streamlines the development process. Deploy your ewallet software on your servers or use its cloud-hosted version for even faster start. No need to build from scratch - which seriously cuts down the development time and costs.
Our digital wallet platform's delivery is cloud-based, with a subscription pricing model. No commitment or investing large sums upfront. Benefit from a cloud-hosted software without any maintenance-related fuss. But if you're looking for an on-premise software, we've got you covered too. More info.
Powerful transactional core
Our ewallet API platform is a robust ledger designed using the latest fintech software development technologies. It can handle the influx of users and operations so that your team can focus on creating the custom functionality, with no need to look under the hood. More on the technology.
Standalone or embedded
Launch a full-fledged digital wallet product or add e-wallet payment solution's functionality to your existing product and unlock its cash-generating potential. You can configure and use a virtual or real currency, bonus points, or any other value of an account, which gives you limitless possibilities of extending your offering.
Whether you handle ten, ten thousand, or ten million transactions a day, SDK.finance has you covered. No matter how fast you grow as an ewallet provider, we can sustain it seamlessly - so you can focus on developing your business.
Add new functionality to your e-wallet product via our universal API. Integrate with almost any solution out there to quickly satisfy your customers’ demands and stay ahead of the competition.
SDK.finance helped payment heavy businesses to build their payment solutions on top of our digital wallet-based platform.
MPAY - a payment app with ewallet
Discover how MPAY succeeded in transforming a network of cash-in payment kiosks into a full-fledged payment app via integration with the SDK.finance software and building on top of it.Explore
Leading MENA PSP revamps its transaction accounting system
Explore how a leading payment service provider (NDA) from one of MENA countries transforms its core transaction accounting system by integrating SDK.finance software with its existing POS network.Explore
Choose the ultimate virtual wallet software package
Our ewallet SDK can be used in a variety of ways for building versatile products or extending already existing ones. So, choose the delivery and pricing option that’s right for your business.
Hybrid cloud SaaS Best fit for startups and SMBs
On-premise with source code license Best for enterprise level businesses
|Source code license||—||✓|
|Price||from €900/month||€400,000 flat fee|
|Features for your customers|
|Internal P2P money/assets transfers||✓||✓|
|View transaction history||✓||✓|
|View account balance||✓||✓|
|Transaction history export||✓||✓|
|Popular payments (utility bills, mobile top-ups, Internet, gaming vouchers, etc. Integration required).||✓||✓|
|Payment gateway operations (integration required)||✓||✓|
|Spendings and balance visualisation (сharts and diagrams)||✓||✓|
|Currency and issuer creation and status management||✓||✓|
|Currency exchange rates input (manual or automated - from external feed, for multi-currency systems)||✓||✓|
|CRM & customer support|
|Customer profile info and status management||✓||✓|
|Customer account status management||✓||✓|
|Log of customer transactions in all statuses||✓||✓|
|Advanced log of customer activity in the system.||✓||✓|
|Operational databases (on your servers)||✓||✓|
|System management for the team - via API||✓||✓|
|Customizable web UI for end-users||✓||✓|
|Customizable web UI for the team||Limited features||Limited features|
|Fees & limits|
|Configurable commission fees and operations limits||✓||✓|
|Contracts creation (grouping all fees and limits in a tariff plan)||✓||✓|
|Users, roles and permissions management|
|Back-office user creation, role and status management||✓||✓|
|Default roles for back-office users||✓||✓|
|Back-office user log history||✓||✓|
|Internal module for integration with service providers to enable popular payments||✓||✓|
|Internal module for integration with payment gateways||✓||✓|
|Internal module for integration with a card vendor to enable card management||✓||✓|
|Internal module for integration with a banking network to enable bank payments||✓||✓|
Get in touch and let's discuss which ewallet software option works best for you
SDK.finance Digital Wallet Solution FAQs
- You purchase the digital wallet source code license and get the freedom of modifications as you see fit.
- Your team can customize the ready-made ewallet software so that it meets all regulatory, security and compliance standards.
- You start off having an essential part of your product at hand – a robust wallet engine designed to be easily extended via integrations, virtually without limits.
- There’s one flat fee to pay and no need to bother about the recurrent subscription expenses.
SDK.finance architecture allows integrating any 3rd-party tools for each stage of the customer journey. Our 400+ RESTful API set makes it easy to connect the ready-made components to your wallet SDK rather than having to develop the necessary functionality from scratch.
To clarify the payment process of an e-wallet, let’s consider the following steps:
- The customer (cardholder) enters the card information into a payment service provider, like Apple Pay.
- Then the card details are encrypted by a token service like VISA or VisaNet via a token requestor.
- When the token service approves this request, the transaction is made and money is transferred to the merchant account.
A technology stack is a complex of programming languages, frameworks, and databases used to create a payment solution. SDK.finance utilizes the following technologies for e-wallet platform:
Programming languages: Java 17 LTS
Frameworks: Spring 5.3.9, Spring Boot 2.5.4, VUE.JS 2.6.12
Databases: PostgreSQL 13.3, MongoDB 4.2.2
To buy the e-wallet app source code you can contact us, and share your product vision.
The purchasing process takes 3 steps:
Technical audit of the product by your team.
Knowledge transfer – from our team to yours.
Signing the contract and code handoff.
Read SDK.finance Source Code Purchase Workflow to get detailed information.
The SDK.finance e-wallet system is not open source. You can download and modify our front-office and back-office UI packs/UI kits for electronic wallet on GitHub, but all functionality lies in using the APIs of the SDK.finance backend app.