Unified Platform. Variety of features. Innovations for your business.

We have 15 years of successful experience in finance, banking and payments technologies. We deliver best-in-class mobile wallet, processing and customer loyalty management solutions to merchants, banks, investment companies, telcos, etc. Quality of our World-class solutions for online and mobile pay­ment industry is confirmed by existing businesses and great number of users.

Our key area of focus are the following:

  • Payment systems for both online and offline merchants and service providers
  • Solutions for mobile payments
  • Platforms for customer engagement
  • Personal finance management and online banking

Our feature-rich platforms include the following modules:


Mobile Payment Module
supports NFC transactions with digital issue and interacts with WMS in digital card provisioning; can be integrated with any mobile app running on Android OS


Wallet Management System
interacts with the service provider back-end system, runs database of users, their services and devices, enables different reports through Web interface, is responsible for user authentication. Wallet provider, who is responsible for operating the WMS, can be a service provider or 3rd party market player


Universal Cloud Payment System
access key generation and lifecycle management: issuing, provisioning, replacing etc. It interacts with WMS, CTM and service-provider back-end system. Assures data is secure in case of an attack on WMS


Cloud Transaction Module
responsible for authorization of a mobile transaction. It can be a part of UCPS or act as a stand-alone module

Web interface

SMS operations
Mobile App (Android, iOS)
POS & Cards (NFC supported)
Mobile POS (Android, iOS)
API connectivity

User features

  • Registration and profile management
  • Mobile wallet, supporting all financial, m-commerce and payment needs of consumers
  • Payments (online, mobile, proximity)
  • Cash-in and cash-out payments
  • Loan repayment
  • Invoice payments
  • Money transfers (including wallet-to-wallet and card-to-card)
  • Accumulating and spending rewards (points, bonuses, real money in a form of cashback) for purchases and other activities (reviews, recommendations)
  • Multiple currencies, multiple languages support

Business features

  • User data management
  • Customer segmentation
  • Business profile management
  • Accepting payments offline and online with POS, tablets, smartphones, etc.
  • Creating special offers and promotions
  • Targeted advertising
  • Transaction analytics
  • And much more

Our platform:

  • Allows designing and deploying any Android and iOS based applications quickly
  • Is universal - supports online and proximity transactions, any International Payment System (Visa International, Master Card, American Express, Dinners Club), any cards (loyalty cards, coupons, tickets, ID..)
  • Is scalable - allows expanding the system architecture to handle more users, more transactions and more data to meet the future market needs

Development tools:

  • Project Management Methodology: PMI, Agile, Waterfall.
  • Programming Languages/markups: C#, Java, C++, Delphi, JavaScript, PHP, HTML, CSS
  • Databases: MS SQL Server, Oracle, MySQL, Firebird, PostgreSQL, Redis, MongoDB, CouchBase.
  • Frameworks/CMS: ServiceStack, Cordova, Backbone, SugarCRM, YII, MODX, Joomla, JasperServer.
  • Automation: GIT / TFS, Redmine, TeamCity, Selenium
  • Hypervisor: Azure, Amazon, VMWare ESX/ESXi, XEN, Microsoft Hyper-V

Web passport

WEB-passport helps users in protecting their personal and payment data by keeping their passwords safe, but easy for them to access on a variety of mobile devices.

  • All profiles in a single mobile device - no need to remember multiple passwords
  • One-click authorization with QR code and one-time password
  • No need to remember cardholder data
  • Cardholder details are not transferred to merchants
  • User account is linked to mobile phone IMEI
  • One-click payments

WEB-passport may contain the following information:

  • Any socio-demographic data which may be used for the purposes of marketing analytics;
  • Any other information if necessary
  • Exact address to deliver goods, gifts or prizes;
  • ID data for the cases when complete customer identification is required;

NFC platform

  • made to replace plastic cards with their digital analogues
  • in line with the EMVCo tokenization specifications
  • based on the HSE (Host Card Emulation) technology (supported by Android OS)
  • NFC Card emulation mode enables NFC-enabled devices such as smartphones to act like smart cards, allowing users to make payments and pay transportation fares.
  • NFC can be well adapted for all kinds of situations replacing bank cards, transit passes, movie passes, loyalty cards and even keys

QR code technology

Every mobile wallet has its unique QR-code and is equipped with QR-codes reader allowing to read any code in a few seconds/

QR-codes reading allows the wallet operator (manufacturer, restaurant, salon, etc.)

  • To provide quick and easy one-click payments with qr code (qr code can be placed on package, in catalogue, on web-page, it can also be displayed on tv screen)
  • To reward the customers with any real or conventional unit (money, bonuses, points, liters, awards, etc.)


Operatorʼs, merchantsʼ and customersʼ accounts as well as data transfer gateways are protected with the latest security technology to reduce the risk of phishing attacks.

Storing personal data and payment information in WEB password provides a safer environment than a physical wallet. This technology allows the customer to load multiple cards and choose which one they wish to use for each transaction. Not only does this save time, but it also reduces the chances of losing a payment card that comes with carrying multiple cards around.

When complete identification with national ID is required, thereʼs no need to carry ID card or passport or to enter sensitive data into website forms. When shopping, thereʼs no need to share card details with merchants. Data security is our main priority.

How to start?

  1. Think on what relationship you`d like to build with your customers

  2. Describe your needs in this form

  3. You will get our quick response. We might have need to interview with you