A patented and innovative transaction control process for secured, simplified and all inclusive mobile payment participation.

When used it includes all levels of society in digital commerce and economic activities by enabling the under-serviced and low-tech mobile users to also perform cash-less, card-less payments and other types of transactions where currently only smartphones and banked customers are able to.

Our core value proposition

 

We lower payment cost, keep user interactions private and secure, Include and enable all levels of society to transact, pay via EFT or push value to merchants or beneficiaries on the go.

When Banks, e-Wallet operators and other value store institutes make available the 2D Transact functionality to their customers by exposing a simple menu within their existing mobile and Internet apps then those customers can conveniently, safely and privately transact and initiate push payment to beneficiaries or merchants from any type of interface, smart phone or low-tech USSD banking menu that exposes the 2D menu option to them at any given time.

We secure, simplify and enable anybody to perform electronic funds transfers (EFT) quickly.

The 2D Transact system eliminates the need for customers to create beneficiaries when they want to pay them. Customers simply scan 2D Transact QR codes or type them using the apps or USSD menus and the EFT is made to the beneficiary detail that is associated with the code. Seamless and convenient. It also eliminates the possibility for fraudulent payment beneficiaries to be created from customer banking profiles or accounts.

We enable many types of transactions other than payment and share the value chain

If a financial institution implements 2D Transact they could effectively enable their customers to make use of the 2D option for much more than just pushing a payment to beneficiaries. The initial integration opens a world of other transaction types like transfers, deposits, withdrawals, authorizations for debit orders, permissions to access information, subscriptions, voting, competitions and the list goes on. Different transaction types invoke different fees and the institute shares in all of them not just the transaction of payment.

Financial inclusion for all customers banked or unbanked

With the 2D Transaction option made available inside mobile applications and text-based menus all of society, banked or not banked could be financially included simultaneously.

Same user journey for users of all levels of mobile technology

The 2D Transact mechanism enables users of any mobile phone type to follow the same journey to participate in mobile payments by simplifying and securing the transactions and using a simple EFT process to settle beneficiaries.

A single Integration gives access to multiple transaction types

Merchants and beneficiaries can create various different types of complex, attribute or behavioral-based transactions through a single API request to which all 2D enabled users can respond simultaneously.

Simple user journey – effective push payment including smart phone apps and text based account access menus (*USSD#)

WE ARE ALL ABOUT ENABLING BUSINESSES QUICKLY, COST EFFECTIVELY AND PROVIDE A NEW WAY OF MAKING DIGITAL TRANSACTIONS ACCESSIBLE TO ALL. SOME EXISTING 2D ENABLED COMMUNITIES, INTERMEDIARIES AND MERCHANT NETWORKS