Programmable, dynamic request-and-respond transactions with intelligence.
A regional REST API that enables programmable transaction requests and responder-independent responses
A patented transaction process that adds intelligent, programmable functionality to Request-to-Pay and other request-and-respond transaction types. It uses attributes in the request portion of the transaction and, as a result, produces a number of groundbreaking features and benefits. The requests are also responder-independent.
Intelligent functionality – HIPAA compliant anonymous transaction responses.
2:08 Duration
“Adding unrivalled data protection, safety, and value to thousands of merchants and millions of payers.”
Trusted by
Financial Institutes Wallet Operators Loyalty Providers Payment companies Administrators & More
Integrate with the API for quick adoption.
- Scan to pay
- Type to pay
- Tap to pay
- Bio-metric pay
- All of above to approve
Quick API Integration
Enable your merchant apps or POS devices — as well as any payer-community app — quickly, through simple API integration.
Intelligent Functionality
Adding attributes and automation to the request process creates complex and intelligent transactions.
Absolute Protection
Payers respond via their financial or other enabled apps, and their identity is never required at the point of transaction. Requests are responder-independent.
Approval Required
Specific attributes in the request process are implemented to handle transactions where approval is required from someone in person.
In-app responder experience.
- Existing apps & interfaces integrate with API
- Merchant & Payer communities alike
- Non-intrusive
- Currency-agnostic — works with any type of value-store
Pay by 2D Informal markets using e-wallet
Ideally suited to chat-based commerce and messaging-driven banking.
- Just share a numeric transaction code
- The payment can be completed instantly and securely.
Pay by 2D using USSD - Informal markets
Create loyal customers who love your brand
Retention is key to successful business growth. Our platform gives your customers a better, safer and more convenient experience — from start to finish — enabling you to turn them into lifelong fans.
Customer confidence
Customer confidence
Customer confidence
Customer confidence
Customer confidence
Onboard merchants rapidly
Onboard merchants rapidly
Onboard merchants rapidly
Onboard merchants rapidly
Onboard merchants rapidly
Frequently asked questions
What does Request-To-Pay mean?
Request-to-Pay describes the process by which a merchant, device, software or individual initiates a request to receive payment for a specific transaction. It is commonly associated with instant payments or payment pushes where no card transaction is involved.
Is it easy to use?
Absolutely. For payers (responders), your app owners (banks, MNOs and others) need only perform a simple integration with the API, and present a “Pay by 2D” option in their menu. Likewise, merchants using apps or POS devices can easily initiate requests.
How much does it cost?
For the payer/responder, their app owners (banks, credit unions, e-wallet operators, MNOs and other institutions) might charge for the service, but in most cases it’s free for the responder. The merchant (requestor) initiating the request pays a small transaction fee, typically between 0.5% and 2%.
