Payment processing offers a payment processing product that allows the user to build and process any card payments business fast.

Payment processing

The most popular Payment processing business models:

  • Accepting electronic payments online/mobile payments - aggregator or unified model via web and mobile interfaces:
    • Recurrent payments - transactions applied to a payer in predetermined time intervals for services or goods of an ongoing nature (memberships, subscriptions)
  • One-click payments - set the service that allows your customers to make online purchases with a single click
  • Money transfer - money transfers between individuals
  • mPOS (mobile point of sale) - accept payments via a mobile device as a POS terminal
  • Gift & prepaid cards - a preloaded debit card that allows the cardholder to use it for the purchase of goods or services in a physical or electronic format
  • Loyalty programs - a system of bonuses and discounts
  • Control spending - control spending and usage on your account or payment card to help you manage expenses by deciding where, when and how your money is used


  • A complete set of APIs to accept online payments on your website or on your mobile app
  • An optimised payments form for web and mobile
  • Accept any type of payment tools
  • One-click payments
  • High transactions security
  • Fraud protection and risk management
  • Advanced data analytics and visualisation
  • Onboarding: merchant identification process
  • Know your client (KYC): merchant and point of sale verification process
  • Two-factor authorisation: identification of users by combining two different components (phone/sms, for example)
  • Refunds & chargebacks
  • Credits

Typical list of actors for payment processing:

  • Primary actors
    • Merchant - accepts payments online
    • Payeer - someone who pays the merchants for goods/services
  • System actors:
    • Chief financial officer (CFO) - responsible for the financial and economic essence of the business;
    • Compliance manager - manages the merchants and ensures the security of their involvement in the KYC system (know your customer)
    • Anti-fraud manager - responsible for fraud risk management and dispute resolution between all members in the system
    • Business development manager (BDM)- responsible for merchant onboarding and revenue plans

Accepting electronic payments online
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Money transfer
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Gift & prepaid cards
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Loyalty programs
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One-click payments

Set the service that allows customers to make online purchases with a single click. The payment information needed to complete the purchase should be entered by the user previously. The merchant stores it in an encrypted format.

This allows the online shopper to purchase an item without having to use a shopping cart software. Instead of manually entering the billing information for a purchase, a customer can use the one-click buying system and set a predefined credit card number to purchase one or more items.

How does it work?

  • When buying goods online for the first time your customer should enter his or her credit card details. By allowing the merchant to save this data, the customer activates the one-click payments.
  • For the second purchase onwards, the customer is able to click. Buy in one click' and the money is automatically deducted from his card without entering the data.

Impulse buying can make up an estimated 1% of a business' profit. If a business is extremely profitable, this impulse buying easier for customers.

To claim an item, the customer has to simply click on it, without the need to add it to a shopping cart of to re-enter the payment information.. The one-click technology is becoming increasingly popular, with some of the biggest companies out there jumping on the one-click bandwagon (Amazon, Apple, Uber, Starbucks, Pinterest, etc). The numbers show that these companies are reaping the benefits with increased revenue and number of transactions .

This turnkey solution for marketplaces and e-commerce platforms allows an increased profit and customer loyalty. The simplified and automated process also leads to faster invoice payment.

mPOS (mobile point of sale)

Turn your smartphone, tablet or dedicated wireless device to a cash register or electronic point of sale terminal .

The implementation of mPOS will allow the service and sales industries to conduct financial transactions in place, improving the customer experience and freeing up valuable real estate that would otherwise be dedicated to a POS countertop. A mPOS can also be cost-effective, allowing a small business owner to conduct transactions without having to invest in an electronic register or to pay someone to support the software.

Any smartphone or tablet can be transformed into a mPOS with a downloadable mobile app. provides you with a turnkey solution based on mobile readers:

  • Any near field communication (NFC) cards that has been issued by a product (loyalty program, e-wallet, payment system, etc.) can be processed by this acquiring mPOS
  • mPOS service points (mobile readers)
  • Software with built-in business analytics, sending checks by e-mail and SMS

Control spending

Build your own control spending app with software.

Your user enters the amount he or she has available to spend each month, subtracts bills and savings goals and then provides the account numbers and signs for debit and credit card accounts.

The control spending app securely aggregates the user's spending, shows the remaining spendable cash for the day, week and month and reminds with a nasty negative sign when his or her spending is trending over the budget.