Digital Wallet Software Platform
Our comprehensive digital wallet software solution is specifically designed for FinTech SMBs, ambitious startups, and financial institutions. With our platform, you can quickly kickstart your ewallet product, save costs, and experience seamless growth. from Cloud pay fin tech e-wallet solution empowers you to accelerate your time-to-launch and expand into new markets effortlessly.
Features out of the box
Serving the customers
Individuals (ewallet, neobank, money remittance, currency exchange) Merchants (payment acceptance via POS or online) Corporate (neobank for corporate clients) (coming soon)
Self-registration via email or phone Flexible survey and document uploading (such as identity, utility bills, etc) KYC Automated (via pre-integrated vendors) Manual (via back-office interface) Two-factor authentication (2FA)
Accounts in any currency Any digital assets: crypto, points, bonuses, etc. Ledger for accounting and reflection in the system of any currencies or digital assets Card issuing (via pre-integrated vendor) IBANs (via pre-integrated vendor) ACH (via pre-integrated vendor, coming soon)
Top-ups and withdrawals Payment gateway operations (via pre-integrated vendors) In-system transfers or payments In-system currency exchange External currency exchange (via pre-integrated vendors) Payment link QR-payments (coming soon) Refund and chargeback (coming soon)
Identify suspicious transactions promptly Obtain the client’s confirmation to exclude fraud Get a proof of income from a client to be AML-compliant Freeze/unfreeze customer accounts if necessary Close the case
All customer details and activities in one place Communication with clients and creating notes Chats with customers via in-system messaging service Notes about a customer for future
User action history Log of system activities by clients and team members Full details: logins, sessions, actions performed Valuable for investigation purposes
Monetization and finances
Inputting terms and conditions from vendors Generating customer agreements with various commission structures and restrictions Allowing customers to select their desired contract option (e.g. with or without monthly charges).
Setting the fee structure as a flat rate, a percentage fee, or a blend of both Determining who will bear the fees, whether it be the sender or the receiver Establishing limits on transactions, including limits on frequency, amount, or total number of transactions.
Company liabilities reconciliation Liabilities in front of your clients Liabilities in front of your vendors Identifying unmatched transactions and discrepancies Resolving the detected issues Clear picture of your company’s gains on top of transactions
Ability to account any type of cash and manage “cash-desk” operations
Build the ewallet people will prefer
Cloud pay fintech e-wallet provider provides the essential framework required to prepare your digital wallet offering for success, ensuring it becomes the preferred choice for your customers and fulfills their financial requirements
You can utilize our transactional engine as a base to handle a wide range of assets, from fiat currencies and bonus points to coffee beans and liters. Feel free to incorporate as many currencies or asset types into the digital wallet system as you see fit, as there are no restrictions on the number
By integrating with a banking network, your digital wallet product can offer bank payments using IBAN and SWIFT, thereby meeting the financial service requirements of your users and enabling them to conveniently transfer funds to bank accounts. This integration presents a valuable opportunity to attract diverse audience segments and enhance your product’s turnover.
Offer seamless internal peer-to-peer (P2P) transfers, regardless of geographical boundaries. Whether your users want to send money to a friend at a local bar or make international transfers, empower them to do so effortlessly with just a few clicks. Streamline payments between cards, wallets, and mobile devices by integrating with relevant service providers or payment platform
Incorporate local merchants to facilitate payments for utility bills, broadband services, mobile phone top-ups, and various other commonly used services.
Enable customers to open their wallets in multiple currencies and perform currency exchange within their wallets.
Our user-friendly card issuance API enables you to effortlessly manage debit cards, providing a seamless experience for both virtual and physical card issuance.
Digital wallet dedicated development
Cloud pay fin tech will assist you from the idea to its implementation in code and interface
• Streamline product delivery
• Use a pre-developed FinTech backend
• Cooperate with a team of experts without the hassle of hiring
• Conserve the valuable resources of your internal team
Affordable digital wallet software for a quick start
No commitment or hefty investments. Enjoy the convenience of the pay-as-you-go pricing model and let us handle the ewallet app engine maintentance.
Affordable solution
Our pricing is exceptionally reasonable, significantly lower than the expenses involved in developing the identical functionality independently.
Works in any country
Your company’s server hosts your database, making it easily accessible. Regardless of where it is located, ensuring regulatory compliance becomes a simpler task.
API-driven
Quickly and affordably link your payment solution to a wide range of customer services with over 400 digital wallet API endpoints.
Out-of-the-box integrations
The Cloud Pay Fin Tech digital wallet Platform distinguishes itself through its seamless integration capabilities. It is equipped with pre-integrated vendors for essential functionalities like payment acceptance, card issuance, and KYC compliance. This efficient integration process guarantees a smooth setup for your financial operations. For further details on integrations, please refer to the additional information provided.
Cloud Pay Fin Tech digital wallet solution use cases
Our eWallet platform is designed to accommodate a wide range of industries and business models, thanks to its adaptability and flexibility.
This allows established businesses to explore new revenue streams through its implementation
eCommerce/retail marketplaces
Facilitate transactions between sellers and buyers by allowing peer-to-peer transfers in various currencies. Implement an escrow-like intermediary function to hold the funds once payment is made until the buyer confirms satisfaction with the purchase, ensuring the security of the funds
Loyalty program
Create a loyalty program centered on a secure payment system. Implement prepaid, gift, or bonus cards to track every transaction and instantly update balances. This will enhance the overall experience for both your customers and employees, providing them with added value.
Telecoms
Utilize the software offered by a digital wallet provider to establish a fresh source of income. Offer customers an alternative to traditional bank accounts by enabling them to receive and send money, as well as make payments, using their mobile balances.
Asset accounting
Incorporate a ledger system for asset management into your current product or company. Allocate a wallet to every individual device, vehicle, or appliance and utilize it for the storage, transfer, and tracking of any chosen asset.
Banks
Stay competitive and receive additional revenue by providing mobile wallet services 24/7 to your customers onthe-go.
Gaming industry
Allow your clients to keep their assets in their wallets and make payments with ease, fostering convenience and enhancing customer involvement
Cloud Pay Fin Tech digital wallet solution use cases
Faster time-to-market
E-wallets do not have a universal solution, however, Cloud Pay Fin Tech simplifies the development process. You have the option to deploy your ewallet software on your servers or utilize its cloud-hosted version for a quicker start. There is no requirement to create everything from the beginning, resulting in significant reductions in development time and expenses.
Easy start
Our digital wallet platform is delivered through the cloud, featuring a subscription-based pricing structure. There is no need for a long-term commitment or a significant initial investment. Enjoy the convenience of cloud-hosted software without the hassle of maintenance. However, if you prefer on-premise software, we also offer that option.
Powerful transactional core
Our e-wallet API platform is a resilient ledger built with cutting-edge fintech software development technologies. It is capable of efficiently managing a large number of users and transactions, allowing your team to concentrate on developing unique functionalities without worrying about the technical details. Further details about the technology can be found.
Standalone or embedded
Develop a comprehensive digital wallet product or integrate an e-wallet payment solution into your current product to tap into its revenue-generating capabilities. Whether you opt for virtual or real currency, bonus points, or any other account value, the options for expanding your services are endless.
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