Join the universal payment standard
Enable your customers with 7 innovative payment initiation methods while exponentially growing your network value
payware is the neutral universal interoperability standard that empowers payment institutions with production-ready infrastructure, delivering exceptional user experiences at every interaction point.
How can payment institutions optimize collaboration and create new revenue streams?
Every institution that joins payware doesn't just connect—they multiply value for the entire ecosystem. With our neutral universal standard, your innovation becomes everyone's capability, and their success amplifies yours.
Core Benefits
Universal Interoperability
Connect Once, Reach Everyone
Single integration to the neutral standard connects you with every participant globally. No bilateral agreements, no fragmentation—just seamless interoperability.
Global reach through one connection
Innovation at Scale
7 Payment Initiation Methods, Infinite Possibilities
Offer QR, NFC, BLE, soundbite (audio-broadcast triggers), text/link (instant banner payments, conversational commerce, delegated payments), and barcode payments. Each method optimized for exceptional UX at the point of interaction, creating new revenue streams through innovative channels.
Complete payment innovation suite
Exponential Value Creation
Your Growth Multiplies Network Value
Every merchant you bring enhances value for all institutions. Every innovation you deploy benefits the entire network. True network effects in action.
n(n-1)/2 connection possibilities
Domestic Excellence
Optimize Where It Matters Most
Most payment value flows domestically. payware delivers maximum value where you need it most, while maintaining global capabilities.
Domestic-first, globally capable
Technical Excellence
Join the Network
Integration paths for payment institutions joining the universal standard. Your adoption approach depends on your strategic goals and technical capabilities.
Standard Integration
Connect to the universal standard and enable all 7 payment initiation methods for your customers.
- Full network access
- All 7 payment initiation methods
- Technical documentation & support
Strategic Partnership
Co-develop new payment initiation methods and lead market transformation in your region.
- Everything in Standard
- Co-development opportunities
- Regional leadership opportunities
- Joint innovation initiatives
Questions about integration? Contact us to discuss your path forward.
Frequently Asked Questions
How does payware help payment institutions compete with card networks?
payware enables instant account-to-account (A2A) payments at 0.5% fees versus card networks' 2-3% rates, giving your institution a massive competitive advantage. You offer merchants lower costs, instant settlement, and innovative payment methods (QR, NFC, BLE, soundbite, etc.) that card networks can't match. This attracts merchant partners and increases transaction volume.
What technical infrastructure is required to join the payware network?
Payment institutions need API connectivity to their core banking systems and the ability to process real-time payment instructions. payware provides comprehensive technical specifications, certification programs, sandbox environments, and integration support. Most institutions complete technical integration within 2-4 months.
How does payware create new revenue streams for our institution?
Beyond transaction fees, payware enables revenue through value-added services: merchant analytics, payment method licensing, white-label solutions for corporate clients, and API access for independent software vendors (ISVs). The universal standard means you can monetize your infrastructure across the entire payment ecosystem, not just your direct customers.
What is the business model for payment institutions in the payware network?
Institutions earn a percentage of the transaction fees on payments flowing through their infrastructure. With instant A2A payments, you eliminate card network interchange fees, reduce fraud costs, and accelerate settlement cycles. The network effects mean as more merchants and institutions join, transaction volume increases exponentially for all participants.
How does payware handle regulatory compliance and security?
payware is built on open standards and is compliant with GDPR, and regional payment regulations. The protocol includes bank-grade security, end-to-end encryption, multi-factor authentication, and comprehensive audit trails. Institutions maintain full control over their customer relationships and regulatory obligations.
Can we offer payware alongside our existing payment services?
Yes, payware complements existing services. Most institutions start by offering payware as an additional payment option for merchants seeking lower fees and faster settlement. Over time, as merchants see the benefits, they naturally shift more volume to payware. You control the rollout pace and customer communication.
What competitive advantages does the universal standard provide?
Universal interoperability means your customers can transact with any merchant on any institution in the network without bilateral agreements or technical coordination. This network effect creates exponential value: each new participant increases opportunities for all. You focus on customer service and innovation, not integration complexity.
What regions and countries does payware support?
payware is available globally and designed for domestic payment interoperability within each country. The standard works with local payment rails and banking infrastructure, ensuring compliance with regional regulations while maintaining universal interoperability. Contact us to learn about specific market availability and integration timelines.
How do I access the sandbox environment for testing?
After registering as a payment institution partner, you'll receive immediate access to our comprehensive sandbox environment. The sandbox includes full API documentation, test accounts, mock payment flows for all 7 initiation methods, and integration support. Our developer portal at kb.payware.eu provides detailed guides and code examples.
What are the certification requirements to go live?
Institutions must complete technical integration testing, security audits, and compliance verification through our certification program. This includes API integration validation, payment flow testing across the selected payment initiation methods, security penetration testing, and regulatory compliance checks. The certification process typically takes 2-4 weeks once technical integration is complete.
What support is available during and after integration?
We provide dedicated technical account managers, integration support, comprehensive API documentation, sandbox environments, and ongoing platform updates. Post-launch, you'll have access to our merchant success team, developer resources, and regular product training. Premium support packages include dedicated infrastructure consulting and custom integration assistance.
How does payware pricing compare to traditional card networks?
payware charges as low as 0.5% transaction fee compared to card networks' 2-3% interchange plus assessment fees. This means significant savings for merchants, which helps payment institutions attract and retain merchant partners. The transparent, simple pricing model eliminates complex fee structures and makes cost forecasting straightforward for all network participants.