payware multi-sided payment initiation and information exchange platform

Enables every smart phone to pay to every merchant with any financial institution’s mobile banking or e-wallet app.

Allows cashless payments at a fraction of the cost charged by card networks.

Allows users to conveniently pay by following links, typing texts, scanning BLE or NFC tags, QR or bar codes or “listening” to sounds.

Benefits all participants in the value chain – from the merchant, through the third-party payment systems to the end customer.