E-wallets

An all-in service to facilitate digital transactions that create customer value. Enable your digital financial ecosystem with cloud-based infrastructure to operate stored-value items at scale.

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USE CASES

Reach your niche and audience with cloud stored-value service

Provide your customers with new open-loop payment options

A digital wallet for electronic money transfers and QR-code payments for goods and services

Create a prepaid closed loop wallet under your own brand

Custom-built eWallets to digitize local businesses and personalize customer financial experiences

Fuel wallet with in-app liter units for gas stations nearby

Add value to your brand with a special mobile app while letting your customers have quick access to fuel at a favorable price

A special wallet for cashback and refund purposes

Stimulate customer engagement with credible cashback and refund policy for online purchases

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THE BENEFITS YOU GAIN

Untap the eWallet potential for greater operational efficiency

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Cost-effectiveness

Unlike expensive on-prem models, the pay-as-you-go approach lets you optimize your financial business operational costs

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Real-time transactions

Impress your customers with instant money tranfers, in-app, in-store, and online payments

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Scalable service

Create and manage multiple wallets for all your customers, merchants, and agents with smooth scaling capabilities on demand

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One-click advantage

QR technology for instant interactions between customers and merchants like scan-to-pay, immediate cash-in, etc

SERVICE FEATURES

Feature-rich functionality to empower your stored-value business

Wallets

  • Open-loop wallets with electronic money
  • Create wallets for customers and business users to keep eMoney assets and use them for further payments and other transactions
  • Paid closed-loop wallet
  • Create customer wallets to enable upfront payments for merchant services on favorable terms
  • Pre-paid wallet to store any kind of values (liters of gasoline, cups of coffee)
  • Create customer wallets to enable upfront payments for on-demand services
  • Special wallet to accumulate cash-backs or refunds
  • Create customer wallets with favorable terms for cashback and refunds
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Transfers

  • P2P (peer-to-peer) transfers
  • Send money or any other kind of stored value (points, liters, gifts, etc.) to registered and unregistered wallets using a receiver’s phone number. Choose from your in-app Favorites list, phone address book, or input manually
  • R2P (request-to-pay)
  • Send your requests directly to remitters’ apps, share a link or generated QR code for making money transfers in one click
  • Split the bill
  • Split your recently paid bills with other people by setting the respective shares and sending them requests to pay

P2M (peer-to-merchant) payments

  • Static QR in-store payments
  • As a merchant, let customers scan your printed or in-app static QR code to pay for your services with money or any other kind of stored value (points, liters, etc.) at any amount set by a customer
  • Dynamic QR in-store payments
  • As a merchant, generate a QR invoice to let customers scan it and pay for your services
  • In-app payments via a shared link
  • As a merchant, generate an invoice and share it with customers via any available messenger letting them follow your link to pay for your services
  • Bill payments
  • Pay any due bills online with in-app payment features just in one click
  • P2M refunds
  • Based on a customer’s request, a merchant or their supervisor with respective access rights can initiate a partial or full refund to a customer
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Top-up, withdrawals, and redemption

  • Cash in and out via cash agents
  • As a cash agent, scan a static QR code on a customer wallet app to refill customer account with cash or withdraw cash from account
  • Cash in and out via API-integration with any existing channel
  • Integrate any third-party payment service or tool via API to enable customers with cash refill and withdrawal options (cards, bank accounts, ATMs, or cash machines etc.)
  • Store any kind of value on customer wallets
  • Refill customer wallets with any kind of digital assets (gifts, gas litres, trips, tickets etc.) pre-configured in your closed loop wallet ecosystem
  • Stored values redemption
  • Redeem any kind of stored value items via customer and business wallet apps

Get our eWallet service whitepaper to explore its feature set in detail

Download whitepaper

MULTICHANNELNESS

Smooth infrastructure that works flawlessly across multiple interfaces

  • Mobile app for customers
  • Mobile app for business users
  • Web portal for business users
  • Tenant admin console (web)
  • Merchant API
  • Others (upon integration)
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WHAT'S INCLUDED

Manage verifications end-to-end

User experience

  • Pre-built user interface
  • Customizable colors and brand settings
  • Localized in 33 languages
  • Mobile and web capture

Verification methods

  • Verify government IDs from over 33 countries
  • Biometric photo ID-matching with selfie
  • Validate name, date of birth, and local ID number

Fraud prevention

  • Enforce live capture
  • Machine learning and manual review process
  • Cross reference keyed-in ID number with document data
  • Restrict accepted ID types

Security & privacy

  • Pll data encrypted at rest
  • Programatically delete and redact user data
  • Explicit user consent flow
  • Data minimization

CONTACT US

Book your demo
session now!

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    How many wallet customers will you be serving potentially (for pricing and configuration purposes)?


    Mobile wallet app in Saudi Arabia


    Numerous discount cards that occupied wallets and settled on bedside tables and cabinets - this is a real problem. We identified the main pain of our users - plastic - and formulated a strategic goal for ourselves: completely replace the user with the wallet.

    The contactless payment market has grown and was developed a lot. Innovative changes in the field of contactless international payments and mobile transport cards have allowed us to gain the attention and trust of the audience. We developed and unified new technologies in the white label application - for working with discount and bonus cards, attracting customers to loyalty programs and communicating with them.

    "EWallet" is a virtual analog of a usual wallet. It allows you to digitize all your discount cards, remotely issue a bank card and even put a travel card in your smartphone. Users can get rid of excess plastic to make their wallets and life in general literally easier.

    It means that Wallet becomes a kind of intermediary between the customer and the store and opens up new opportunities for shopping. The user sees the card data, the current balance, bonus points, the history of purchases, and learns about discounts and special offers in the personal account.

    For small and medium businesses, this is a great solution to attract new customers, increase the loyalty of existing customers and ultimately increase sales.

    Also, we have a lot of different customers and partners, for example: MasterCard, Okko, Visa, Maxi, Foxtrot, Forward bank.

    Today, companies that have not previously been seen on the Internet are joining traditional categories of organizations that work with electronic money (online stores, cellular operators, Internet providers). For virtual money, you can buy an insurance policy or pay for satellite TV.

    Application wallet creating process


    A lot of different things had been checked before the wallet was created. It was done in order to include all needs of people from different spheres in one application. Make your mobile wallet a tool for self-service on the trading floor, communicate with customers through the white label mobile application, prompting and helping them to make a choice online. Stimulate purchases with the help of loyalty programs, automatically charging bonuses and tokenizing any customer activity.

    Customers, using a mobile wallet with a barcode scanner, can independently fill out invoice forms on the screen of their white label application, being on the shopping floor and sending goods to the basket. At the exit in the self-service area, the customer can also quickly and easily pay for the purchase with a purse, card or cash. There is no need to stay in the queue at the cashier anymore.

    For example, if we take the sphere of banking, it gives access to all financial operations on that platform. Link any bank cards to your wallet, make transfers, pay directly in the app, on websites or in stores (contactless or using a QR code), keep your loyalty cards, e-tickets, insurance, etc. in your wallet. It is possible to use your mobile wallet as mobile banking to order and manage your current accounts, cards, savings products and loans.

    Ewallet website – the best solution for your business


    “Wallet” literally makes people's lives easier, and the work of trade and service enterprises becomes more efficient. Our task is in development of advanced mobile technologies, new formats of communication with the customer. This type of communication should be available not only for market leaders, but also for small and medium businesses.

    Wallet is a multifunctional application for users. Also, it is a full-fledged business product that opens up the new opportunities for business in order to interact with the client. White label application gives access to a new audience, saves the budget and allows you to improve communication with the customer.

    Verification and enrichment of user data, targeted communications, issuance of cards directly to the customer’s smartphone, prompt distribution of information about promotions — these and many other Wallet services allow tackling the business problems of service companies and retailers, including small and medium businesses.

    The service allows retailers to introduce new high-tech and high-performance marketing technologies without long-term and costly integration using the software. It will make your life easier and will save your time.
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