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Solutions

Closed-Loop Payment Solutions

We build organization-specific closed-loop payment ecosystems that you can manage end to end.

Illustration of users, merchants, reporting and order processes forming a closed loop around a central platform.

Card and transaction management, order and invoicing processes, customer and merchant management, external integrations and reporting on a single platform. A wide range of use cases — from public transit and campuses to corporate meal cards and loyalty programs.

Core capabilities

What this solution covers.

Solutions that work at corporate scale

The defining difference between non-banking corporate payment systems and bank payment systems is that money in the system can only be spent at merchants defined within it. There is a record of the prepaid amount entering the system, the part spent at merchants and the part still held in the pool account. Meal cards, gift cards and points schemes are systems of this kind.

End-to-end solution

The whole process is managed — from money entering the system as a customer order through to being spent at a merchant and invoiced. Central software and the customer and merchant software at the endpoints operate as one integrated system.

Secure payment methods

Fraud attempts are prevented through methods that keep every step traceable and secure, govern how all users access the system, and monitor and cryptographically sign each individual transaction at the moment of payment.

Multi-platform and integration

Transactions can run through different spending channels at the endpoints — POS devices, mobile devices and websites — all under the same system rules. Data can be exchanged with ERP, accounting, CRM and HR systems, and employee records and entitlements can be fed from the systems you already run.