Join the universal payment standard

Your customers currently make 15-25 transactions per month, all requiring them to actively go shopping. With payware, shopping comes to them through advertising. They'll make an additional 25-50 transactions monthly from radio ads, TV commercials, social media posts, and email campaigns. Same customers, 3-5x more transactions, all generating fee revenue for your institution.

No. Customers control their experience completely. Customers open your banking app and tap 'Listen for offers' when they want to discover products from ads. The app then listens for registered soundbites and shows matching products - customers simply confirm to purchase or dismiss. QR/link payments require active customer scanning/clicking. It's pull, not push - customers decide what they want to see. Early data shows 85% customer satisfaction with advertising-triggered payments because they capture intent at the perfect moment: customers actively choose to listen and confirm. Feels instant, takes 10 seconds.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.