What is limiting adoption of Card Payments in-store and online in the Developing world?

High MDR Rate

Merchants can pay around 2.5% of their revenue as MDR, Too high for those operating on thin margins.

Security Risks

Online Transactions continue to be susceptible to CNP Fraud, holding back adoption

Limited P2P Systems

Most Card Systems donot offer P2P payments, excluding semi-formal sector entirely.

Merchant-Client Trust

Online Vendors in developing countries lack consumer trust, with no escrow/trustworthy merchant rating frameworks.

Heavy Infrastructure Reliance

POS Machines are not accessible for every merchant.

Tax Exposure Risks

Some merchants want to avoid detection by tax authorities, hence cash payments

We want to re-invent E-Payments, Better!

SeemiPay is next gen Payment technology that intends to compete on Cost, Security, & trust.

Its not the same!, We deliver low MDR, next-gen security, P2P Payments, Soft-POS,  along with escrow & seller reputation framework.

A person using contactless payment at a retail counter in Portugal wearing an apron.

Trust is Paramount!

Robust Escrow & Reputation system will unlock E-commerce growth

We allow users to clearly see reputation of who they are paying, The reputation framework ensures payers can trust recipients and rate their services. Additionally our network offers escrow mechanisms to safeguard buyer's interests whenever fraudulent transactions are reported.

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We invite disruptive Digital banks to experiment our Payment technology

Could every transaction be completely secure?

A simple tap on your phone to securely sign payment transactions.

On our platform, every card transaction is cryptographically signed by a hardware secure element inside a smart card. 

So here is how an online payment works on our network: Consumer checks out from an online store, merchant submits a transaction, end user is expected to approve the transaction by tapping their card with their phone.

That's it!, and with a single Tap, the transaction is securely signed with unforgeable cryptographic signatures.

There is no way to copy/reuse signatures and the private key never leaves the card.

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Crop concentrated man in warm clothes entering credentials of credit card on mobile phone while standing in street in daytime
Highly Secure, low cost payments can allow merchants and banks to tap into a large consumer base

Frequently Asked Questions

We are confident about our technology's potential to drive mass scale card payments, here are some FAQs
1What exactly are we offering?
We are offering a payment network that Banks can rely on offer highly secure & low cost P2P, in-store and online card payments.
2What type of cards are used by our network?
We use smart cards with an embedded secure element, where unexportable cryptographic key pairs can be generated, while ensuring that the private keys can never be exported/copied.
3Without POS machines, How could transactions be signed from a user's Phone?
Our Smart cards offer contact and contactless(NFC) Interface. With the ability to complete cryptographic signatures over NFC, Every smart Phone is a POS.
4Why should a bankinvest in a new payment technology?
As explained above, Existing Payment networks are expensive for merchants, lack P2P payments, and run with substantial transaction fraud risk. We provide full technology support for Banks to integrate into our payment network and issue out cards.
5Are there any certifications backing the claims here?
Our smart card tech uses proven RSA Asymmetric encryption algorithms that are recognized for their security across industry. Our Cards are FIPS 140-2 Level 3 and EAL6+ compliant backing the security claims.
6What other hardware is supported by our Payment technology for instore transactions?
To ensure ease of adoption across channels, our payment technology allows users to sign transactions by tapping their card to their phone, or by tapping card on a merchant's in-store POS device.

Allow us to explain more!

We are happy to explain in details & explain how our payment technology is set to revolutionize E-payments. Reach out today!

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