Accept every payment, multiply your opportunities

Register any audio (that humans can hear) in the payware platform and associate your product with it. Set up the product in your merchant dashboard with name, price, and image. One product can be associated with multiple soundbites across different channels. When your ad airs, customers open their banking app and tap 'Listen for offers' - the app then detects your registered soundbite and shows your product. Customers review and confirm - feels instant, takes 10 seconds. You track sales in real-time during the broadcast. Setup takes 15 minutes; first campaign can launch within 48 hours.

Traditional advertising → website → checkout converts at 5-15%. payware advertising converts at 40-60%. The difference is friction: no forms, no account creation, no card entry. Customers open their banking app, tap Listen for offers, see your product, and confirm - receive instant gratification, takes 10 seconds. Radio ads see 1000x better ROI, TV ads see 9x, social media sees 2.1x, and print advertising becomes measurably profitable for the first time.

Yes, with exact precision. Every soundbite, QR code, and payment link is uniquely tracked. Your merchant dashboard shows real-time conversion: which radio station, which TV time slot, which magazine, which social post drove each sale. For the first time, you'll know your exact advertising ROI down to the individual ad placement. No more guessing or modeling - just direct attribution.

payware charges as low as 0.5% transaction fee with no hidden costs, setup fees, or monthly minimums (rates vary by region). Compared to traditional processors charging 2-3% plus fixed fees, merchants typically save 80-90% on payment processing costs, with some high-volume merchants seeing up to 98% savings.

No hardware required. payware payment initiation methods work with devices your customers already have (smartphones, tablets) or simple displays (screens, printed QR codes). This eliminates the €500-2000 cost per terminal that traditional payment systems require.

Instant settlement. With payware account-to-account (A2A) payments, funds are transferred directly from your customer's account to yours within seconds. No waiting 2-3 business days like card networks. Your money is available immediately for reinvestment or operations.

Customers can pay using any of 7 payment initiation methods: QR code scanning, NFC tap-to-pay, payment links, text codes, traditional barcodes, Bluetooth proximity, or audio soundbites. You offer all methods automatically with one integration, letting customers choose their preference.

Yes, all 7 payment methods work seamlessly for both online and physical sales. Display QR codes at checkout counters, embed payment links in emails, use NFC for tap-to-pay in stores, or enable soundbite payments during live events. One platform handles all sales channels.

A2A payments have significantly lower dispute rates than card payments because they require explicit customer authorization through their banking app. When disputes do occur, payware provides clear transaction records and works with both parties to resolve issues fairly within the payment institution's dispute resolution framework.

Refunds are processed instantly through the same A2A payment channel. Simply initiate a refund from your merchant dashboard, and funds are returned directly to the customer's account within seconds. Unlike card networks with complex chargeback processes, payware refunds are straightforward, transparent, and immediate - improving customer satisfaction and reducing administrative overhead.

payware is built on highly reliable payment infrastructure with 99.9%+ uptime. In rare cases of temporary bank system maintenance, customers can choose to pay through an alternative payment institution or use a different payment method. The payment flow gracefully handles these scenarios, ensuring minimal disruption to your sales process.

Yes. payware provides white-label capabilities allowing you to customize payment screens, confirmation messages, and branding elements to match your business identity. You can also customize QR code designs, payment link landing pages, and notification emails. Our APIs give you full control over the customer experience while maintaining payment security and compliance.

payware offers flexible pricing that scales with your business. This ensures affordability for small businesses while maintaining the same low rates as you grow.

Integration typically takes 1-2 days for basic setup using our pre-built plugins for major e-commerce platforms (WooCommerce, Magento, etc.). Custom API integrations usually take 1-2 weeks depending on complexity. We provide comprehensive documentation, sandbox environments, and dedicated integration support to ensure smooth onboarding. Most merchants are accepting payments within 48 hours of starting integration.

payware is a universal standard supported by growing network of payment institutions globally. The network includes major banks and financial institutions committed to open payment interoperability. When a customer initiates payment, they use their existing banking app from any institution in the network. Contact us to verify availability in your region.