Closed Loop P2P

Instant transaction between buyer and seller

All transactions are same-as-cash using electronic funds transfer (EFT)

Transactions are direct peer-to-peer (P2P), no third parties

Increased speed, security, mobility, simplicity and cost reduction – no card fees

Instant fraud and compliance analysis at the time of transaction (SAR and CIP)

Very low transaction fees, no gateways

Merchant retains direct relationship with their customer