The resolution network you query - not compete with

No. payware is a resolution infrastructure - not a bank, not a wallet, and not a payment account provider. payware never holds customer funds, never authenticates customers, and never controls the payment execution. When a transaction occurs, your institution queries payware to resolve the transaction details, then your institution handles everything from authentication to funds transfer. The customer relationship, the SCA, and the money movement all stay with you. payware is infrastructure you depend on, not a competitor.

The institution integration is deliberately minimal. Your system needs to call two endpoints: resolveTransaction(trID) - which returns the merchant name, amount, currency, and the optimal merchant bank account for your institution - and then executePayment() using your existing payment rails. That's the core of the integration. Everything else (customer authentication, SCA, transaction display, funds movement) uses your existing infrastructure. Most institutions complete technical integration within 2-4 months.

When a merchant generates a payment request, payware creates a unique transaction ID (trID) that encodes the payment intent - merchant identity, amount, and currency. This ID is delivered to the customer via whichever of the 7 initiation methods the merchant uses (QR code, NFC tap, soundbite, etc.). The customer's bank then sends the trID to payware in a resolution query. payware returns the merchant name, amount, currency, and the optimal merchant bank account for that bank. The bank presents this to the customer for confirmation. This pull architecture means banks always initiate contact with payware - not the other way around.

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.

The resolution network means your customers can transact with any merchant at 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% interchange plus assessment fees, giving your institution a significant competitive advantage. You offer merchants lower costs, instant settlement, and innovative payment methods (QR, NFC, BLE, soundbite, etc.) that card networks can't match.

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 resolution network means you can monetise 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 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.

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, 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.

payware is available globally and designed for domestic transaction resolution within each country. The network works with local payment rails and banking infrastructure, ensuring compliance with regional regulations while maintaining interoperability across all connected institutions. Contact us to learn about specific market availability and integration timelines.