The ePay platform and its functions are 100% digital, from the user to the merchant

The ePay platform is modular and adapts to the respective market situation. The front-end and back-end were developed independently with the latest technologies and are constantly being developed further.

ePay Front-end


  • Registration as a user or merchant
  • Registration of sub-accounts
  • Digitized KYC processes


  • Digitizing products or services
  • Digitizing the shopping cart
  • Paying and accepting payments
  • Initiating repayments
  • P2P payments / payment request
  • Overview of all transactions
  • m-commerce shopping
  • Creating various money charging methods
  • Money debit function
  • Creating a separate wallet account
  • Contact management

ePay Back-end


ePay has flexible APIs / SDKs, which can be integrated into any third-party system:

  • Flexible enterprise resource planning API / SDK
  • Flexible payment API / SDK

Enterprise resource planning system

ePay has its own enterprise resource planning system that is  connected with that of the merchant’s via API. The advantages:

  • Quick product representation on a smartphone
  • Data synchronization according to the merchant’s needs


  • Incorporation of all common money charging methods
  • Using the wallet to manage money in all currencies and similar monetary means, such as coupons
  • Use of various technologies, such as QR codes, barcode, beacon, WiFi, NFC
  • Use both in m/e-commerce as well as in stationary business
  • ePay is multi-bank / multi-provider capable.
  • ePay is a cloud-based wallet solution.
  • ePay is an independently licensed PSP (Payment Service Provider).
  • Institutional members of SWIFT with the BIC and SWIFT net connectivity
  • Multi currency IBAN handling for each client
  • Cross currency exchange

User management

  • Administration of accounts (user, merchant)
  • Management of sub-accounts
  • Sequence of the KYC process can be defined in the context of legal requirements

Market presence

Appearance options on the market:

  • Under the ePay brand
  • As co-branding with ePay
  • Own merchant solution (white label)


ePay ensures:

  • Data protection
  • Compliance with the necessary regulations
  • Detection of fraud
  • Maintenance of ePay high-security servers