7 Payment Initiation Methods
One universal standard. Seven ways to initiate payment. Maximum flexibility for every use case.
Why multi-modal matters
Traditional card networks offer one initiation method: physical card swipe/tap or card number entry. payware offers 7, giving you unmatched flexibility to optimize for every customer, every situation, every channel.
Optimize for Every Channel
In-store? Use NFC or QR. Online? Use Link. Over the phone? Use Text. The right method for the right situation.
Meet Customers Where They Are
Smartphone user? Feature phone? No phone? We have a payment method that works for everyone.
Future-Proof Innovation
New payment contexts emerge constantly. Multi-modal design lets you adapt without changing infrastructure.
Explore all 7 methods
Each method optimized for specific use cases. All backed by the same account-to-account (A2A) infrastructure with low fees.
QR Code
Visual scanning for instant payment initiation
NFC Contactless
Tap-to-pay for lightning-fast transactions
BLE Proximity
Bluetooth-based automatic payment detection
Soundbite
Audio-based payment data transmission
Barcode
Traditional 1D/2D barcode scanning
Link
URL-based payment initiation
Text/SMS
SMS and text message payment triggers
payware vs traditional cards
| Feature | payware | Card Networks |
|---|---|---|
| Initiation Methods | 7 methods | 1 method |
| Transaction Fee | 0.5% | 2-3% |
| No Hardware Option | ||
| Works on Feature Phones |
One infrastructure, seven methods
All payment initiation methods route through the same A2A infrastructure. Same low fee. Same instant settlement. Same security standards.
Unified Processing
Regardless of initiation method, all payments process through the same A2A rails with instant settlement.
Consistent Fees
low transaction fee across all methods. No premium for advanced features like contactless or audio.
Universal Security
End-to-end encryption and open standards compliance across all initiation methods.
Single Integration
Integrate once, unlock all 7 methods. Add new methods without changing your core integration.
Implement multi-modal payments
Get started with one, some, or all 7 payment initiation methods